IIIV vs PCOR vs ORCL vs PAYC vs SAP

For growth investors, Procore Technologies, Inc.

(PCOR) is the stronger pick with 14. 8% revenue growth year-over-year, versus -7. 3% for i3 Verticals, Inc. (IIIV). Paycom Software, Inc. (PAYC) offers the better valuation at 16. 9x trailing P/E (12. 6x forward), making it the more compelling value choice. Analysts rate i3 Verticals, Inc. (IIIV) a "Buy" — based on 14 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Paycom Software, Inc.

(PAYC) is the cheapest at 16. 9x versus Oracle Corporation at 45. 1x. On forward P/E, Paycom Software, Inc. is actually cheaper at 12. 6x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Paycom Software, Inc. wins at 0. 47x versus Oracle Corporation's 3. 69x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Oracle Corporation (ORCL) delivered a total return of +154.

4%, compared to -55. 3% for Paycom Software, Inc. (PAYC). Over 10 years, the gap is even starker: ORCL returned +428. 7% versus PCOR's -39. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Paycom Software, Inc.

(PAYC) is the lower-risk stock at 0. 49β versus Oracle Corporation's 1. 58β — meaning ORCL is approximately 224% more volatile than PAYC relative to the S&P 500. On balance sheet safety, i3 Verticals, Inc. (IIIV) carries a lower debt/equity ratio of 1% versus 5% for Oracle Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Procore Technologies, Inc.

(PCOR) is pulling ahead at 14. 8% versus -7. 3% for i3 Verticals, Inc. (IIIV). On earnings-per-share growth, the picture is similar: SAP SE grew EPS 126. 0% year-over-year, compared to -87. 9% for i3 Verticals, Inc.. Over a 3-year CAGR, PCOR leads at 22. 5% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Paycom Software, Inc.

(PAYC) is the more profitable company, earning 22. 1% net margin versus -7. 6% for Procore Technologies, Inc. — meaning it keeps 22. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ORCL leads at 30. 8% versus -8. 9% for PCOR. At the gross margin level — before operating expenses — PAYC leads at 78. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Paycom Software, Inc. (PAYC) is the more undervalued stock at a PEG of 0. 47x versus Oracle Corporation's 3. 69x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Paycom Software, Inc. (PAYC) trades at 12. 6x forward P/E versus 31. 7x for Procore Technologies, Inc. — 19. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for SAP: 125. 5% to $391. 67.

In this comparison, SAP (1.

5% yield), PAYC (1. 1% yield), ORCL (0. 8% yield) pay a dividend. IIIV, PCOR do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Paycom Software, Inc.

(PAYC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 49), 1. 1% yield, +267. 8% 10Y return). Both have compounded well over 10 years (PAYC: +267. 8%, PCOR: -39. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: IIIV is a small-cap quality compounder stock; PCOR is a small-cap quality compounder stock; ORCL is a large-cap quality compounder stock; PAYC is a small-cap deep-value stock; SAP is a large-cap quality compounder stock. ORCL, PAYC, SAP pay a dividend while IIIV, PCOR do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.