BAC vs. ORCL: A Head-to-Head Stock Comparison

Updated on August 20, 2025

Here’s a clear look at BAC and ORCL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	BAC	ORCL
Company Name	Bank of America Corporation	Oracle Corporation
Country	United States	United States
GICS Sector	Financials	Information Technology
GICS Industry	Banks	Software
Market Capitalization	349.90 billion USD	685.86 billion USD
Exchange	NYSE	NYSE
Listing Date	February 21, 1973	March 12, 1986
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of BAC and ORCL by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

BAC vs. ORCL: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	BAC	ORCL
5-Day Price Return	5.16%	-2.09%
13-Week Price Return	8.95%	55.31%
26-Week Price Return	-1.05%	41.68%
52-Week Price Return	23.76%	84.18%
Month-to-Date Return	-0.06%	-3.78%
Year-to-Date Return	7.49%	46.53%
10-Day Avg. Volume	35.63M	11.15M
3-Month Avg. Volume	44.57M	12.07M
3-Month Volatility	20.76%	42.39%
Beta	1.36	1.51

Profitability

Return on Equity (TTM)

BAC

9.46%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

BAC’s Return on Equity of 9.46% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

ORCL

80.61%

Software Industry

Max: 59.01%
Q3: 21.98%
Median: 7.15%
Q1: -11.12%
Min: -51.24%

ORCL’s Return on Equity of 80.61% is exceptionally high, placing it well beyond the typical range for the Software industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

BAC vs. ORCL: A comparison of their Return on Equity (TTM) against their respective Banks and Software industry benchmarks.

Net Profit Margin (TTM)

BAC

30.16%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

BAC’s Net Profit Margin of 30.16% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

ORCL

21.68%

Software Industry

Max: 48.14%
Q3: 18.23%
Median: 5.60%
Q1: -9.22%
Min: -49.36%

A Net Profit Margin of 21.68% places ORCL in the upper quartile for the Software industry, signifying strong profitability and more effective cost management than most of its peers.

BAC vs. ORCL: A comparison of their Net Profit Margin (TTM) against their respective Banks and Software industry benchmarks.

Operating Profit Margin (TTM)

BAC

32.74%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

BAC’s Operating Profit Margin of 32.74% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

ORCL

30.80%

Software Industry

Max: 57.34%
Q3: 20.60%
Median: 7.84%
Q1: -8.72%
Min: -51.37%

An Operating Profit Margin of 30.80% places ORCL in the upper quartile for the Software industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

BAC vs. ORCL: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Software industry benchmarks.

Profitability at a Glance

Symbol	BAC	ORCL
Return on Equity (TTM)	9.46%	80.61%
Return on Assets (TTM)	0.84%	8.00%
Net Profit Margin (TTM)	30.16%	21.68%
Operating Profit Margin (TTM)	32.74%	30.80%
Gross Profit Margin (TTM)	--	70.51%

Financial Strength

Current Ratio (MRQ)

BAC

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

ORCL

0.75

Software Industry

Max: 3.83
Q3: 2.31
Median: 1.45
Q1: 1.03
Min: 0.24

ORCL’s Current Ratio of 0.75 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

BAC vs. ORCL: A comparison of their Current Ratio (MRQ) against their respective Banks and Software industry benchmarks.

Debt-to-Equity Ratio (MRQ)

BAC

2.54

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

ORCL

4.53

Software Industry

Max: 2.14
Q3: 0.90
Median: 0.29
Q1: 0.00
Min: 0.00

With a Debt-to-Equity Ratio of 4.53, ORCL operates with exceptionally high leverage compared to the Software industry norm. This suggests an aggressive reliance on debt financing, which can magnify returns but also significantly elevates financial risk.

BAC vs. ORCL: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Software industry benchmarks.

Interest Coverage Ratio (TTM)

BAC

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

ORCL

4.92

Software Industry

Max: 67.02
Q3: 19.86
Median: 0.70
Q1: -12.50
Min: -53.00

ORCL’s Interest Coverage Ratio of 4.92 is positioned comfortably within the norm for the Software industry, indicating a standard and healthy capacity to cover its interest payments.

BAC vs. ORCL: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Software industry benchmarks.

Financial Strength at a Glance

Symbol	BAC	ORCL
Current Ratio (MRQ)	--	0.75
Quick Ratio (MRQ)	--	0.61
Debt-to-Equity Ratio (MRQ)	2.54	4.53
Interest Coverage Ratio (TTM)	--	4.92

Growth

Revenue Growth

BAC vs. ORCL: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BAC vs. ORCL: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BAC

2.70%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

BAC’s Dividend Yield of 2.70% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

ORCL

0.66%

Software Industry

Max: 0.08%
Q3: 0.03%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

ORCL’s Dividend Yield of 0.66% is exceptionally high, placing it well above the typical range for the Software industry. While this may seem attractive, an unusually high yield can sometimes be a warning sign, reflecting a falling stock price or market concerns about the dividend’s sustainability.

BAC vs. ORCL: A comparison of their Dividend Yield (TTM) against their respective Banks and Software industry benchmarks.

Dividend Payout Ratio (TTM)

BAC

33.91%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

BAC’s Dividend Payout Ratio of 33.91% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

ORCL

38.12%

Software Industry

Max: 1.32%
Q3: 0.53%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

At 38.12%, ORCL’s Dividend Payout Ratio is exceptionally high, exceeding the typical range for the Software industry. While this provides a significant return to shareholders, it may limit funds for reinvestment and could be difficult to sustain.

BAC vs. ORCL: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Software industry benchmarks.

Dividend at a Glance

Symbol	BAC	ORCL
Dividend Yield (TTM)	2.70%	0.66%
Dividend Payout Ratio (TTM)	33.91%	38.12%

Valuation

Price-to-Earnings Ratio (TTM)

BAC

12.56

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

BAC’s P/E Ratio of 12.56 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

ORCL

57.90

Software Industry

Max: 149.35
Q3: 100.21
Median: 47.97
Q1: 26.77
Min: 11.68

ORCL’s P/E Ratio of 57.90 is within the middle range for the Software industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

BAC vs. ORCL: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Software industry benchmarks.

Price-to-Sales Ratio (TTM)

BAC

2.33

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

ORCL

12.55

Software Industry

Max: 25.24
Q3: 13.52
Median: 8.15
Q1: 4.87
Min: 0.98

ORCL’s P/S Ratio of 12.55 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

BAC vs. ORCL: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Software industry benchmarks.

Price-to-Book Ratio (MRQ)

BAC

1.17

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

BAC’s P/B Ratio of 1.17 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

ORCL

22.84

Software Industry

Max: 30.95
Q3: 14.91
Median: 7.75
Q1: 3.60
Min: 0.38

ORCL’s P/B Ratio of 22.84 is in the upper tier for the Software industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

BAC vs. ORCL: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Software industry benchmarks.

Valuation at a Glance

Symbol	BAC	ORCL
Price-to-Earnings Ratio (TTM)	12.56	57.90
Price-to-Sales Ratio (TTM)	2.33	12.55
Price-to-Book Ratio (MRQ)	1.17	22.84
Price-to-Free Cash Flow Ratio (TTM)	8.01	84.98