COMPARE · Data as of August 27, 2026
INTU vs ORCL
Verdict: Side-by-side breakdown using the Bull Rankings model. INTU scored 85.0, ORCL scored 69.6 — INTU leads.
Compare another set
INTU
Intuit Inc.
85
$358.06 · $97.9B
fundamentals as of
Score gap
15.4
INTU leads
ORCL
Oracle Corporation
69.6
$150.85 · $434.5B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- Fastest growthORCL+17.4%
- Strongest balance sheetINTU0.44
- Highest qualityINTU85 / 100
- Largest discount to fair valueINTU-34%
Side by side · every name on one set of axes
The model, pillar by pillar (0–100 each)
INTU
stronger →← stronger
ORCL
85
Qualityreturns · margins · balance sheet
66
90
Growthrevenue & earnings expansion
89
80
Valuevaluation vs sector peers
58
INTU is stronger on 3 of 3 pillars.
Fundamentals, head-to-head
INTU
ORCL
$7.8bB+
FCF
-$23.7bF
+15.1%B+
Rev
+17.4%B+
0.44B
D/E
3.89D
21.8xB+
P/E
—
0.93B+
PEG
0.82B+
—
P/S
6.5xC+
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
INTU
ORCL
34% below
Price vs fair valuelower is cheaper
—
~-1%/yr
Growth the price implies10-yr FCF · lower = less priced in
—
+33%
1-yr DCF upside
—
+52%
5-yr DCF upside
—
+84%
10-yr DCF upside
—
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
INTU
Why this score
- Raising its dividend
ORCL
Why this score
- Raising its dividend
- Durable high returns
- Diluting shareholders
The companies
INTUIntuit Inc.
Why now
Software - Application · market cap $97.9b. Down 49% from 52-week high of $705.08 — deep drawdown territory. Revenue growing +15%, comfortably above the S&P median. PEG 0.93 — paying under fair value for the growth rate. 32 sell-side analysts rate this a Buy with a mean 1-yr target of $428.61 (implying +20% upside).
Moat
Net margin 22% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 22% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 169% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Down 49% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
ORCLOracle Corporation
Why now
Software - Infrastructure · market cap $434.5b. Down 56% from 52-week high of $345.72 — deep drawdown territory. Revenue growing +17%, comfortably above the S&P median. PEG 0.82 — paying under fair value for the growth rate. 42 sell-side analysts rate this a Buy with a mean 1-yr target of $244.12 (implying +62% upside).
Moat
Net margin 25% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 40% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. $434.5b 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 3.89 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Free cash flow is negative (-$23.7b) — 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.
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 INTU and ORCL diverge
On the headline score the gap is 15.4 points in favor of INTU. The widest single difference is Value, where INTU leads by 22.9 points.
- ValueINTU 80.4 · ORCL 57.5INTU +22.9
- QualityINTU 85.3 · ORCL 65.9INTU +19.4
- GrowthINTU 89.6 · ORCL 88.9level
Pillars run 0–100 against sector peers, so a 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.