NorrisAI AlphaLens · Sample Report

ORCL: the cloud boom, and the bill for it

ORCL: Oracle Corporation
Framework(s): Debt Maturity Wall & Stated Covenants and Liquidity, Leverage & Commitments
Data pulled: September 29, 2026
Financials cover: Q1 FY2027, quarter ended August 31, 2026 (Form 10-Q and September 10, 2026 8-K); the debt maturity schedule and free cash flow figure are separately labeled where they come from the fiscal year 2026 Form 10-K (year ended May 31, 2026) instead. This report never blends the two windows.
Data used: live market price, SEC XBRL 10-Q facts, the XBRL debt maturity schedule, and the verbatim text of the Q1 FY2027 earnings 8-K exhibit, pulled fresh from NorrisAI's live proxy on the data-pulled date above, not training-cutoff memory.
Snapshot, not a live price target.

Method: How AlphaLens works · All modes: 15 frameworks · Same sequence by hand: How to analyze a stock

$137.79
Price, Sept 29, 2026
+62%
Q1 FY27 cloud revenue, YoY
$125.3B
Total debt, 8/31/26
$664B
Backlog (RPO), 8/31/26
Oracle's 52-week high, per live market data, is $322.54; the stock is down roughly 57% from that level as of the data-pulled date. Price moves continuously and this figure will be stale quickly.

Oracle's Q1 fiscal 2027 numbers, reported September 10, 2026, were genuinely strong: cloud revenue up 62%, a record $664 billion backlog, and GAAP diluted EPS of $1.56, up 55%. None of that is the interesting question. The interesting question is what it costs to generate that growth, and whether the business itself is paying for it. Oracle's interest expense ran $1.428 billion in the quarter alone, up 55% year over year, against $125.3 billion in total debt. Two frameworks below on the debt maturity wall and the liquidity picture, exactly as filed, not a recap of the earnings beat.

What actually happened in Q1 FY2027, as filed

Total revenue was $19.345 billion, up 30%. Cloud revenue (infrastructure plus applications) was $11.607 billion, up 62%, with Cloud Infrastructure (IaaS) specifically up 121% to $7.4 billion and Cloud Applications (SaaS) up 10% to $4.2 billion. Software revenue declined 3% to $5.55 billion as customers continue migrating off on-premises licenses. Operating income was $6.728 billion, a 35% margin, up 57%. Oracle also completed the sale of $20 billion of common stock through an at-the-market equity program during the quarter, part of a previously disclosed capital investment program, and the board declared a $0.50 per share quarterly dividend payable October 23, 2026.

On cash flow specifically, the filed press release states record Q1 operating cash flow of $23 billion, up 184%, with free cash flow negative $5 billion for the quarter. That is a different window from the free cash flow figure used in the framework sections below, which comes from the full fiscal year 2026 10-K (operating cash flow $31.977 billion minus capital expenditures $55.663 billion, for free cash flow of negative $23.686 billion for the twelve months ended May 31, 2026). Both figures are real and both are as filed; they simply cover different periods, and this report keeps them labeled separately rather than treating a one-quarter figure and a twelve-month figure as comparable.

FRAMEWORK 08 OF 15

Debt Maturity Wall & Stated Covenants

Data-or-disclose pass · run on ORCL · data pulled September 29, 2026

Debt maturity data in the retrieved block

Yes. The retrieved block contains a named maturity schedule tagged in XBRL.

Maturity wall as filed

Filing stamp: Form 10-Q, period ended August 31, 2026, filed September 11, 2026, SEC accession 0001193125-26-389274. The maturity figures themselves are dated as of May 31, 2026, meaning this 10-Q is carrying forward the schedule from the fiscal year 2026 10-K rather than restating it fresh this quarter. As filed:

YearPrincipal due
Year 1$7.21B
Year 2$10.145B
Year 3$5.5B
Year 4$7.25B
Year 5$9.75B
Thereafter$90.25B

These figures sum to approximately $130.1 billion, which is not identical to the $125.3 billion total debt figure reported elsewhere in this same 10-Q; the two are tagged from different XBRL concepts (a gross maturity schedule versus a carrying-value total debt figure) and this report presents both as filed rather than forcing them to reconcile to a single number.

Debt instruments as filed

Not in the retrieved block. The individual named instruments (issue name, coupon, stated maturity) were not located in this pass of the filing text.

Near-term concentration

Year 1 plus Year 2 equals $17.355 billion, or about 13.3% of the $130.1 billion disclosed maturity total. This is arithmetic on the filed rows above, not a separate rating or stress test.

Stated covenants

Not in the retrieved block. No maintenance covenant ratio, threshold, or general compliance sentence was located in this pass of the filing text.

Subsequent event overlay

No qualifying subsequent 8-K was found in this feed.

What would change this read

The verbatim long-term debt footnote from the 10-Q or 10-K, which would name each instrument, its coupon and stated maturity, and any covenant terms, none of which were located in this particular data pull.

Key Watchpoints

  • Watch whether the next 10-Q restates the maturity schedule with a period-end date matching that filing, rather than carrying forward the May 31, 2026 figures used here.
  • Watch the $17.355 billion due across the next two years against the $36.369 billion cash balance on hand, covered in the Liquidity section below. Note the maturity schedule is dated May 31, 2026 while the cash figure is dated August 31, 2026, so roughly a quarter of that Year 1 window has already elapsed without a restated schedule.
  • Watch for the debt footnote to become available in a future filing pull, which would allow the stated covenant terms to be quoted directly instead of marked not in the retrieved block.

Run this same framework on any stock →

Try free, card required
FRAMEWORK 10 OF 15

Liquidity, Leverage & Commitments

Cash, debt, and committed capacity, as printed · run on ORCL · data pulled September 29, 2026

Liquidity figures in the retrieved block

Yes. The retrieved block contains named cash and debt figures.

What the retrieved figures actually show

As of August 31, 2026 (Form 10-Q): cash and cash equivalents $36.369 billion, total debt $125.337 billion, total assets $303.259 billion. The current-versus-noncurrent split of that debt total is not broken out separately in this payload; the aggregate figure is tagged from two combined components (long-term notes and loans, plus current notes payable) without the individual dollar amounts of each shown here. For the fiscal year ended May 31, 2026 (Form 10-K): operating cash flow $31.977 billion against capital expenditures $55.663 billion, for free cash flow of negative $23.686 billion. Separately, the filed Q1 FY2027 press release narrative states record quarterly operating cash flow of $23 billion (up 184% year over year) with free cash flow negative $5 billion for the quarter, a different period than the annual figures just cited. The filing states Oracle completed a $20 billion at-the-market equity raise during the quarter; a prior-quarter cash and debt balance to measure the change against is not in this payload, so this report states the August 31, 2026 balances above without an unverified prior-period comparison.

Commitments, leases, guarantees

Not in the filing. No operating or finance lease, purchase obligation, or guarantee disclosure was located in this pass of the retrieved filing text.

What would change the liquidity read

An itemized current-versus-noncurrent debt split and the leases and purchase-obligations footnote, neither of which is in this payload, would sharpen this picture. A revolver-availability disclosure, if one exists, would also matter and is not present here.

Key Watchpoints

  • Watch whether total debt keeps declining from the $125.337 billion level as the at-the-market equity program and operating cash flow are deployed, or whether new borrowing reverses that trend as the capital investment program continues.
  • Watch quarterly free cash flow against the negative $5 billion Q1 FY2027 figure stated in the filed press release; a narrowing gap would be the clearest sign the capex cycle is being funded increasingly by operations rather than external capital.
  • Watch for a future filing to break out the current-versus-noncurrent split of the $125.337 billion debt total and disclose lease and purchase-obligation commitments, both absent from this payload.
  • Watch RPO conversion: the filing states $664 billion in backlog, up $209 billion year over year on more than $30 billion of new AI cloud contracts booked in the quarter; how much of that converts to cash on the stated schedule is the mechanism that would fund the buildout without further dilution or borrowing.

Run this analysis on any stock.

Every framework. Live prices, SEC filings, current news, synthesized in plain English. Free trial. Card required, billed day 8.

Start Free →
Card required, billed day 8. Trial code is in the video description on YouTube.

More analyses: MRVL 2026 · FDXF 2026 · NVDA 2026 · all sample reports

DISCLAIMER: NorrisAI AlphaLens is an AI-powered research tool only. NorrisAI is NOT a registered investment adviser, broker-dealer, or fiduciary under federal or state securities laws. Nothing on this page constitutes investment advice, a recommendation to buy or sell any security, or a solicitation of any investment decision. All analysis is AI-generated and may contain errors or inaccuracies. Financial figures are based on Oracle's own SEC filings as pulled on September 29, 2026. Past performance does not guarantee future results. You are solely responsible for your own investment decisions. Always consult a licensed financial professional before investing.
How this run was generated
Analysis run: September 29, 2026
Frameworks used: Debt Maturity Wall & Stated Covenants and Liquidity, Leverage & Commitments
Data as of: September 29, 2026 (Q1 FY2027 10-Q ended 8/31/26; FY2026 10-K for annual free cash flow)
Last verified: September 29, 2026
A NorrisAI AlphaLens editorial analysis. Figures were current as of the dates above and change continuously.