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

Updated on October 5, 2025

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

Company Profile

Symbol	ORCL	WFC
Company Name	Oracle Corporation	Wells Fargo & Company
Country	United States	United States
GICS Sector	Information Technology	Financials
GICS Industry	Software	Banks
Market Capitalization	815.73 billion USD	258.42 billion USD
Exchange	NYSE	NYSE
Listing Date	March 12, 1986	June 1, 1972
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of ORCL and WFC 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.

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

Historical Performance at a Glance

Symbol	ORCL	WFC
5-Day Price Return	1.20%	-4.70%
13-Week Price Return	20.57%	-3.50%
26-Week Price Return	104.66%	12.37%
52-Week Price Return	70.62%	45.88%
Month-to-Date Return	1.74%	-3.76%
Year-to-Date Return	71.71%	14.85%
10-Day Avg. Volume	28.17M	11.56M
3-Month Avg. Volume	18.95M	15.92M
3-Month Volatility	81.84%	24.11%
Beta	1.65	1.14

Profitability

Return on Equity (TTM)

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.

WFC

11.36%

Banks Industry

Max: 25.40%
Q3: 15.55%
Median: 12.00%
Q1: 8.98%
Min: -0.10%

WFC’s Return on Equity of 11.36% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

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

Net Profit Margin (TTM)

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.

WFC

22.19%

Banks Industry

Max: 54.20%
Q3: 35.73%
Median: 28.97%
Q1: 22.56%
Min: 6.98%

Falling into the lower quartile for the Banks industry, WFC’s Net Profit Margin of 22.19% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

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

Operating Profit Margin (TTM)

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.

WFC

25.35%

Banks Industry

Max: 63.35%
Q3: 44.73%
Median: 37.24%
Q1: 28.25%
Min: 12.28%

WFC’s Operating Profit Margin of 25.35% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

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

Profitability at a Glance

Symbol	ORCL	WFC
Return on Equity (TTM)	66.28%	11.36%
Return on Assets (TTM)	7.56%	1.06%
Net Profit Margin (TTM)	21.08%	22.19%
Operating Profit Margin (TTM)	30.44%	25.35%
Gross Profit Margin (TTM)	69.66%	--

Financial Strength

Current Ratio (MRQ)

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.

WFC

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

Debt-to-Equity Ratio (MRQ)

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.

WFC

2.01

Banks Industry

Max: 5.78
Q3: 2.66
Median: 1.05
Q1: 0.40
Min: 0.00

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

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

Interest Coverage Ratio (TTM)

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.

WFC

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

Financial Strength at a Glance

Symbol	ORCL	WFC
Current Ratio (MRQ)	0.62	--
Quick Ratio (MRQ)	0.50	--
Debt-to-Equity Ratio (MRQ)	3.78	2.01
Interest Coverage Ratio (TTM)	4.92	--

Growth

Revenue Growth

ORCL vs. WFC: 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

ORCL vs. WFC: 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)

ORCL

0.61%

Software Industry

Max: 0.22%
Q3: 0.11%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

ORCL’s Dividend Yield of 0.61% 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.

WFC

2.47%

Banks Industry

Max: 11.03%
Q3: 6.00%
Median: 3.87%
Q1: 2.41%
Min: 0.00%

WFC’s Dividend Yield of 2.47% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

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

Dividend Payout Ratio (TTM)

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.

WFC

31.00%

Banks Industry

Max: 134.24%
Q3: 79.39%
Median: 55.09%
Q1: 36.09%
Min: 0.00%

WFC’s Dividend Payout Ratio of 31.00% 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 vs. WFC: A comparison of their Dividend Payout Ratio (TTM) against their respective Software and Banks industry benchmarks.

Dividend at a Glance

Symbol	ORCL	WFC
Dividend Yield (TTM)	0.61%	2.47%
Dividend Payout Ratio (TTM)	40.62%	31.00%

Valuation

Price-to-Earnings Ratio (TTM)

ORCL

67.00

Software Industry

Max: 145.74
Q3: 94.88
Median: 45.35
Q1: 26.66
Min: 8.80

ORCL’s P/E Ratio of 67.00 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.

WFC

12.54

Banks Industry

Max: 22.69
Q3: 13.75
Median: 10.32
Q1: 7.73
Min: 2.59

WFC’s P/E Ratio of 12.54 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 vs. WFC: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Software and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

ORCL

14.12

Software Industry

Max: 25.67
Q3: 13.68
Median: 8.28
Q1: 4.95
Min: 0.90

ORCL’s P/S Ratio of 14.12 is in the upper echelon for the Software industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

WFC

1.91

Banks Industry

Max: 4.90
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 vs. WFC: A comparison of their Price-to-Sales Ratio (TTM) against their respective Software and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

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.

WFC

1.42

Banks Industry

Max: 2.09
Q3: 1.40
Median: 1.11
Q1: 0.86
Min: 0.29

WFC’s P/B Ratio of 1.42 is in the upper tier for the Banks 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 vs. WFC: A comparison of their Price-to-Book Ratio (MRQ) against their respective Software and Banks industry benchmarks.

Valuation at a Glance

Symbol	ORCL	WFC
Price-to-Earnings Ratio (TTM)	67.00	12.54
Price-to-Sales Ratio (TTM)	14.12	1.91
Price-to-Book Ratio (MRQ)	26.30	1.42
Price-to-Free Cash Flow Ratio (TTM)	98.32	17.02