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BSY vs. ORCL: Bentley Systems vs. Oracle Stock Comparison

How do Bentley Systems (BSY) and Oracle (ORCL) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Bentley Systems (BSY) and Oracle (ORCL) both belong to the Software industry, though BSY is classified under Application Software while ORCL falls under Systems Software.

Oracle (ORCL) has more than two decades of public-market history since March 12, 1986, whereas Bentley Systems (BSY) listed on September 23, 2020 and has a much shorter record to draw on.

Company profile comparison for Bentley Systems (BSY) and Oracle (ORCL)
Profile ItemBSYORCL
NameBentley Systems, Incorporated Class B Common StockOracle Corporation
Country/RegionUnited StatesUnited States
GICS SectorInformation TechnologyInformation Technology
GICS Industry GroupSoftware & ServicesSoftware & Services
GICS IndustrySoftwareSoftware
GICS Sub-IndustryApplication SoftwareSystems Software
Market Capitalization13.50 billion USD361.97 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateSeptember 23, 2020March 12, 1986
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

BSY
ORCL
GSPC
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Bentley Systems (BSY) vs. Oracle (ORCL), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Bentley Systems (BSY) and Oracle (ORCL). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Bentley Systems (BSY) and Oracle (ORCL). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Bentley Systems (BSY) and Oracle (ORCL)
MetricBSYORCL
Total Return (1Y)-2.57%-49.72%
Total Return (3Y, Annualized)-3.01%3.11%
Total Return (5Y, Annualized)-5.13%6.07%

Risk Profile

Drawdown History

BSY
ORCL
GSPC
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Bentley Systems (BSY) vs. Oracle (ORCL), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Bentley Systems (BSY) and Oracle (ORCL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Bentley Systems (BSY) and Oracle (ORCL)
MetricBSYORCL
Volatility (1Y, Annualized)41.49%59.45%
Beta (5Y)0.921.80
Max Drawdown (5Y)-53.94%-64.58%
Avg. Volume (3M)2.67M33.24M

Risk-Adjusted Performance

Risk-Return Positioning

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BSY and ORCL are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Bentley Systems (BSY) and Oracle (ORCL)
MetricBSYORCL
Sharpe Ratio (1Y)-0.17-0.91
Sortino Ratio (1Y)-0.25-1.29

Profitability

ROE (TTM)

Both Bentley Systems (BSY) at 26.03% and Oracle (ORCL) at 41.19% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.

BSY

Software & Services industry group

26.03%

Max
53.85%
BSY
26.03%
Q3
17.90%
Median
6.59%
Q1
-9.59%
Min
-50.52%

ORCL

Software & Services industry group

41.19%

Max
53.85%
ORCL
41.19%
Q3
17.90%
Median
6.59%
Q1
-9.59%
Min
-50.52%
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Bentley Systems (BSY) vs. Oracle (ORCL): A comparison of their ROE against the Software & Services industry group benchmark.

Net Margin (TTM)

For every dollar of sales, both Bentley Systems (BSY) at 19.57% and Oracle (ORCL) at 26.36% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

BSY

Software & Services industry group

19.57%

Max
41.17%
BSY
19.57%
Q3
15.28%
Median
4.63%
Q1
-5.42%
Min
-33.17%

ORCL

Software & Services industry group

26.36%

Max
41.17%
ORCL
26.36%
Q3
15.28%
Median
4.63%
Q1
-5.42%
Min
-33.17%
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Bentley Systems (BSY) vs. Oracle (ORCL): A comparison of their net margin against the Software & Services industry group benchmark.

Operating Margin (TTM)

Both Bentley Systems (BSY) at 29.81% and Oracle (ORCL) at 35.63% convert sales into operating profit at a top-quartile rate, pointing to tighter cost discipline before financing and tax.

BSY

Software & Services industry group

29.81%

Max
46.89%
BSY
29.81%
Q3
17.64%
Median
8.73%
Q1
-2.13%
Min
-30.45%

ORCL

Software & Services industry group

35.63%

Max
46.89%
ORCL
35.63%
Q3
17.64%
Median
8.73%
Q1
-2.13%
Min
-30.45%
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Bentley Systems (BSY) vs. Oracle (ORCL): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Bentley Systems (BSY) and Oracle (ORCL)
MetricBSYORCL
ROE (TTM)26.03%41.19%
ROA (TTM)7.73%6.36%
Net Margin (TTM)19.57%26.36%
Operating Margin (TTM)29.81%35.63%
Gross Margin (TTM)82.37%63.96%

Growth

Revenue Growth

Both Bentley Systems (BSY) at 10.99% and Oracle (ORCL) at 17.35% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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Bentley Systems (BSY) vs. Oracle (ORCL): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Bentley Systems (BSY) at 18.06% and Oracle (ORCL) at 34.33% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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Bentley Systems (BSY) vs. Oracle (ORCL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Bentley Systems (BSY) and Oracle (ORCL)
MetricBSYORCL
Revenue Growth (YoY)10.99%17.35%
Revenue Growth (3Y CAGR)10.97%10.48%
EPS Growth (YoY)18.06%34.33%
EPS Growth (3Y CAGR)15.62%23.84%

Financial Strength

Current Ratio (MRQ)

Oracle (ORCL) at 1.17 keeps current ratio within its industry’s typical mid-range, while Bentley Systems (BSY) at 0.65 runs in the tighter-liquidity quartile — a thinner cushion against current liabilities for BSY.

BSY

Software & Services industry group

0.65

Max
5.11
Q3
2.77
Median
1.67
Q1
1.01
BSY
0.65
Min
0.03

ORCL

Software & Services industry group

1.17

Max
5.11
Q3
2.77
Median
1.67
ORCL
1.17
Q1
1.01
Min
0.03
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Bentley Systems (BSY) vs. Oracle (ORCL): A comparison of their current ratio against the Software & Services industry group benchmark.

Debt / Equity (MRQ)

Bentley Systems (BSY) at 0.94 carries an industry-typical debt-to-equity mix, while Oracle (ORCL) at 2.52 uses more debt funding than most peers.

BSY

Software & Services industry group

0.94

Max
2.52
Q3
1.13
BSY
0.94
Median
0.40
Q1
0.07
Min
0.00

ORCL

Software & Services industry group

2.52

ORCL
2.52
Max
2.52
Q3
1.13
Median
0.40
Q1
0.07
Min
0.00
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Bentley Systems (BSY) vs. Oracle (ORCL): A comparison of their debt-to-equity ratio against the Software & Services industry group benchmark.

Financial Strength Metrics

Financial strength metrics for Bentley Systems (BSY) and Oracle (ORCL)
MetricBSYORCL
Current Ratio (MRQ)0.651.17
Debt / Equity (MRQ)0.942.52
Net Debt / EBITDA2.123.84

Dividends

Dividend Yield (TTM)

Both Bentley Systems (BSY) at 0.62% and Oracle (ORCL) at 1.74% yield above their industries’ entire benchmark ranges — high enough that dividend safety, not income, becomes the first question.

BSY

Software & Services industry group

0.62%

BSY
0.62%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%

ORCL

Software & Services industry group

1.74%

ORCL
1.74%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Bentley Systems (BSY) vs. Oracle (ORCL): A comparison of their dividend yield against the Software & Services industry group benchmark.

Dividend Payout Ratio (TTM)

Both Bentley Systems (BSY) at 27.72% and Oracle (ORCL) at 31.35% pay out more of their earnings than any of their industry peers — the thinnest cover in their groups, so dividend headroom deserves attention.

BSY

Software & Services industry group

27.72%

BSY
27.72%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%

ORCL

Software & Services industry group

31.35%

ORCL
31.35%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Bentley Systems (BSY) vs. Oracle (ORCL): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Bentley Systems (BSY) and Oracle (ORCL)
MetricBSYORCL
Dividend Yield (TTM)0.62%1.74%
Dividend Payout Ratio (TTM)27.72%31.35%

Valuation

P/E Ratio (TTM)

Oracle (ORCL) at 18.20 sits in the cheaper P/E ratio quartile, while Bentley Systems (BSY) at 44.21 is closer to its industry’s usual earnings multiple — a discount for ORCL, though growth and earnings durability still matter.

BSY

Software & Services industry group

44.21

Max
112.94
Q3
60.32
BSY
44.21
Median
32.91
Q1
18.77
Min
6.69

ORCL

Software & Services industry group

18.20

Max
112.94
Q3
60.32
Median
32.91
Q1
18.77
ORCL
18.20
Min
6.69
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Bentley Systems (BSY) vs. Oracle (ORCL): A comparison of their P/E ratio against the Software & Services industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Bentley Systems (BSY) at 8.19 and Oracle (ORCL) at 5.04 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

BSY

Software & Services industry group

8.19

Max
17.91
Q3
8.78
BSY
8.19
Median
4.25
Q1
2.23
Min
0.02

ORCL

Software & Services industry group

5.04

Max
17.91
Q3
8.78
ORCL
5.04
Median
4.25
Q1
2.23
Min
0.02
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Bentley Systems (BSY) vs. Oracle (ORCL): A comparison of their P/S ratio against the Software & Services industry group benchmark.

P/B Ratio (MRQ)

Oracle (ORCL) at 5.68 is valued about in line with its industry on P/B ratio, while Bentley Systems (BSY) at 10.79 carries an above-peer premium to book — BSY is pricier on assets.

BSY

Software & Services industry group

10.79

Max
16.63
BSY
10.79
Q3
8.50
Median
4.30
Q1
1.92
Min
-3.90

ORCL

Software & Services industry group

5.68

Max
16.63
Q3
8.50
ORCL
5.68
Median
4.30
Q1
1.92
Min
-3.90
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Bentley Systems (BSY) vs. Oracle (ORCL): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Bentley Systems (BSY) and Oracle (ORCL)
MetricBSYORCL
P/E Ratio (TTM)44.2118.20
P/S Ratio (TTM)8.195.04
P/B Ratio (MRQ)10.795.68
Free Cash Flow Yield (TTM)2.74%-12.67%