FOUR vs. ORCL: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at FOUR and ORCL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | FOUR | ORCL |
|---|---|---|
| Company Name | Shift4 Payments, Inc. | Oracle Corporation |
| Country | United States | United States |
| GICS Sector | Financials | Information Technology |
| GICS Industry | Financial Services | Software |
| Market Capitalization | 6.95 billion USD | 823.91 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 5, 2020 | March 12, 1986 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of FOUR 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.
Historical Performance at a Glance
| Symbol | FOUR | ORCL |
|---|---|---|
| 5-Day Price Return | -4.36% | -8.82% |
| 13-Week Price Return | -21.91% | 28.64% |
| 26-Week Price Return | -10.20% | 90.28% |
| 52-Week Price Return | -11.90% | 66.67% |
| Month-to-Date Return | -14.41% | 24.37% |
| Year-to-Date Return | -25.42% | 68.77% |
| 10-Day Avg. Volume | 2.51M | 32.16M |
| 3-Month Avg. Volume | 1.68M | 18.59M |
| 3-Month Volatility | 40.59% | 82.45% |
| Beta | 1.72 | 1.52 |
Profitability
Return on Equity (TTM)
FOUR
21.96%
Financial Services Industry
- Max
- 39.28%
- Q3
- 18.88%
- Median
- 9.97%
- Q1
- 4.03%
- Min
- -10.25%
In the upper quartile for the Financial Services industry, FOUR’s Return on Equity of 21.96% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
ORCL
66.28%
Software Industry
- Max
- 66.28%
- Q3
- 21.28%
- Median
- 9.33%
- Q1
- -8.77%
- Min
- -48.16%
In the upper quartile for the Software industry, ORCL’s Return on Equity of 66.28% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Net Profit Margin (TTM)
FOUR
6.11%
Financial Services Industry
- Max
- 52.16%
- Q3
- 25.35%
- Median
- 12.68%
- Q1
- 6.11%
- Min
- -11.69%
FOUR’s Net Profit Margin of 6.11% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.
ORCL
21.08%
Software Industry
- Max
- 51.92%
- Q3
- 19.23%
- Median
- 6.98%
- Q1
- -7.14%
- Min
- -41.00%
A Net Profit Margin of 21.08% places ORCL in the upper quartile for the Software industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin (TTM)
FOUR
7.53%
Financial Services Industry
- Max
- 75.57%
- Q3
- 37.78%
- Median
- 19.09%
- Q1
- 10.04%
- Min
- -19.42%
FOUR’s Operating Profit Margin of 7.53% is in the lower quartile for the Financial Services industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
ORCL
30.44%
Software Industry
- Max
- 60.40%
- Q3
- 21.25%
- Median
- 9.90%
- Q1
- -4.97%
- Min
- -43.50%
An Operating Profit Margin of 30.44% 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.
Profitability at a Glance
| Symbol | FOUR | ORCL |
|---|---|---|
| Return on Equity (TTM) | 21.96% | 66.28% |
| Return on Assets (TTM) | 3.99% | 7.56% |
| Net Profit Margin (TTM) | 6.11% | 21.08% |
| Operating Profit Margin (TTM) | 7.53% | 30.44% |
| Gross Profit Margin (TTM) | 30.55% | 69.66% |
Financial Strength
Current Ratio (MRQ)
FOUR
2.53
Financial Services Industry
- Max
- 4.83
- Q3
- 2.70
- Median
- 1.44
- Q1
- 0.86
- Min
- 0.01
For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
ORCL
0.62
Software Industry
- Max
- 4.29
- Q3
- 2.37
- Median
- 1.40
- Q1
- 1.03
- Min
- 0.25
ORCL’s Current Ratio of 0.62 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.
Debt-to-Equity Ratio (MRQ)
FOUR
2.34
Financial Services Industry
- Max
- 5.07
- Q3
- 2.14
- Median
- 0.66
- Q1
- 0.12
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.
ORCL
3.78
Software Industry
- Max
- 2.16
- Q3
- 0.86
- Median
- 0.31
- Q1
- 0.00
- Min
- 0.00
With a Debt-to-Equity Ratio of 3.78, 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.
Interest Coverage Ratio (TTM)
FOUR
14.17
Financial Services Industry
- Max
- 136.23
- Q3
- 56.08
- Median
- 6.55
- Q1
- 2.01
- Min
- -33.27
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.
ORCL
4.92
Software Industry
- Max
- 89.65
- Q3
- 32.64
- Median
- 1.00
- Q1
- -9.84
- Min
- -71.23
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.
Financial Strength at a Glance
| Symbol | FOUR | ORCL |
|---|---|---|
| Current Ratio (MRQ) | 2.53 | 0.62 |
| Quick Ratio (MRQ) | 2.49 | 0.50 |
| Debt-to-Equity Ratio (MRQ) | 2.34 | 3.78 |
| Interest Coverage Ratio (TTM) | 14.17 | 4.92 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
FOUR
0.00%
Financial Services Industry
- Max
- 8.12%
- Q3
- 3.37%
- Median
- 1.70%
- Q1
- 0.00%
- Min
- 0.00%
FOUR currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
ORCL
0.63%
Software Industry
- Max
- 0.22%
- Q3
- 0.11%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
ORCL’s Dividend Yield of 0.63% 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.
Dividend Payout Ratio (TTM)
FOUR
0.00%
Financial Services Industry
- Max
- 132.10%
- Q3
- 64.32%
- Median
- 18.23%
- Q1
- 0.00%
- Min
- 0.00%
FOUR has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
ORCL
40.62%
Software Industry
- Max
- 3.29%
- Q3
- 2.41%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
At 40.62%, 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.
Dividend at a Glance
| Symbol | FOUR | ORCL |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.63% |
| Dividend Payout Ratio (TTM) | 0.00% | 40.62% |
Valuation
Price-to-Earnings Ratio (TTM)
FOUR
30.76
Financial Services Industry
- Max
- 45.81
- Q3
- 30.21
- Median
- 16.29
- Q1
- 10.14
- Min
- 0.70
A P/E Ratio of 30.76 places FOUR in the upper quartile for the Financial Services industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
ORCL
64.02
Software Industry
- Max
- 145.74
- Q3
- 94.88
- Median
- 45.35
- Q1
- 26.66
- Min
- 8.80
ORCL’s P/E Ratio of 64.02 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.
Price-to-Sales Ratio (TTM)
FOUR
1.88
Financial Services Industry
- Max
- 10.88
- Q3
- 5.34
- Median
- 2.64
- Q1
- 1.24
- Min
- 0.06
The P/S Ratio is often not a primary valuation tool in the Financial Services industry.
ORCL
13.50
Software Industry
- Max
- 25.67
- Q3
- 13.68
- Median
- 8.28
- Q1
- 4.95
- Min
- 0.90
ORCL’s P/S Ratio of 13.50 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.
Price-to-Book Ratio (MRQ)
FOUR
5.45
Financial Services Industry
- Max
- 7.93
- Q3
- 3.78
- Median
- 1.49
- Q1
- 0.88
- Min
- 0.08
FOUR’s P/B Ratio of 5.45 is in the upper tier for the Financial Services 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.
ORCL
26.30
Software Industry
- Max
- 30.67
- Q3
- 14.92
- Median
- 8.52
- Q1
- 3.89
- Min
- 0.38
ORCL’s P/B Ratio of 26.30 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.
Valuation at a Glance
| Symbol | FOUR | ORCL |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 30.76 | 64.02 |
| Price-to-Sales Ratio (TTM) | 1.88 | 13.50 |
| Price-to-Book Ratio (MRQ) | 5.45 | 26.30 |
| Price-to-Free Cash Flow Ratio (TTM) | 17.82 | 93.95 |