Verdict: Side-by-side breakdown using the Bull Rankings model. ORCL scored 68.7, DAVE scored 84.2 — DAVE leads.
Compare another set
ORCL
Oracle Corporation
Software - Infrastructure · Quality-Growth
68.7
$143.20 · $434.1B
fundamentals as of
Score gap
15.5
DAVE leads
DAVE
Dave Inc.
Software - Application · Quality-Growth
84.2
$362.87 · $4.6B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
Fastest growthDAVE+59.7%
Strongest balance sheetDAVE1.29
Highest qualityDAVE76 / 100
Side by side · every name on one set of axes
The model, pillar by pillar (0–100 each)
ORCL
stronger →← stronger
DAVE
62
Qualityreturns · margins · balance sheet
76
89
Growthrevenue & earnings expansion
99
59
Valuevaluation vs sector peers
80
DAVE is stronger on 3 of 3 pillars.
Fundamentals, head-to-head
ORCL
DAVE
-$28.7bF
FCF
$319mC
+21.6%A-
Rev
+59.7%A
2.52D
D/E
1.29C
6.0xC+
P/S
—
0.79A-
PEG
0.83B+
—
P/E
23.4xB+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
ORCL
DAVE
—
Price vs fair valuelower is cheaper
2% above
—
Growth the price impliesyr-1 FCF growth, fading to 4% · lower = less priced in
~16%/yr
—
1-yr DCF upside
-24%
—
5-yr DCF upside
-2%
—
10-yr DCF upside
+38%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
ORCL
Why this score
Raising its dividend
Durable high returns
Diluting shareholders
DAVE
Why this score
Durable high returns
Diluting shareholders
The companies
ORCLOracle Corporation
Software - Infrastructure · $143.20 · beta 1.77
Why now
Software - Infrastructure · market cap $434.1b. Down 56% from 52-week high of $322.54 — deep drawdown territory. Revenue growing +22%, comfortably above the S&P median. PEG 0.79 — paying under fair value for the growth rate. 41 sell-side analysts rate this a Buy with a mean 1-yr target of $237.97 (implying +66% upside).
Moat
Net margin 26% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 28% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. $434.1b market cap places it among the largest companies in the sector — distribution, R&D, and customer-acquisition costs amortize across a base peers can't replicate.
Risk
D/E 2.52 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Free cash flow is negative (-$28.7b) — capital raises or debt issuance likely required; dilution / leverage risk. Down 56% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up.
DAVEDave Inc.
Software - Application · $362.87 · beta 3.93
Why now
Software - Application · market cap $4.6b. Down 21% from 52-week high of $458.25 — deep drawdown territory. Revenue growing +60% — in hypergrowth territory. PEG 0.83 — paying under fair value for the growth rate. 14 sell-side analysts rate this a Buy with a mean 1-yr target of $445.07 (implying +23% upside).
Moat
Net margin 35% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. FCF converts 143% of net income — earnings translate cleanly into cash. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
Beta 3.93 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return. SaaS displacement — recurring revenue is sticky in good times but accelerates in churn during a downturn as customers consolidate vendors and renegotiate seat counts.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Where ORCL and DAVE diverge
On the headline score the gap is 15.5 points in favor of DAVE. The widest single difference is Value, where DAVE leads by 21.5 points.
ValueORCL 58.6 · DAVE 80.1DAVE +21.5
QualityORCL 62.2 · DAVE 75.5DAVE +13.3
GrowthORCL 88.8 · DAVE 98.6DAVE +9.8
Pillars run 0–100. Value is judged against each company's own sector, so a Value score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.
Common questions
Is DAVE or ORCL the better stock?
DAVE scores higher: DAVE 84.2, ORCL 68.7 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
Where do DAVE and ORCL differ most?
The widest gap is value, where DAVE leads by 22 points on the 0–100 pillar scale. DAVE leads all three pillars, so the gap is broad rather than a single-measure difference.
How are DAVE and ORCL scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.