JPMorgan downgrades Oracle’s credit rating to Neutral on AI expansion costs

Published 20/10/2025, 12:30
JPMorgan downgrades Oracle’s credit rating to Neutral on AI expansion costs

Investing.com - JPMorgan downgraded Oracle’s credit rating to Neutral from Overweight on Monday, citing substantial capital needs and limited visibility into the company’s financing strategy for its ambitious AI expansion plans.

Oracle has positioned itself as a leading infrastructure and platform provider for the AI era, rapidly scaling cloud capacity and investing heavily in next-generation data centers.

The company projects capital expenditures exceeding $35 billion this year as it pursues this strategy, which JPMorgan analysts note creates execution risk requiring disciplined financing and balance sheet management.

The downgrade comes despite Oracle’s stock continuing to trade wide of most investment-grade technology peers, particularly fellow AI beneficiaries. JPMorgan sees limited near-term spread upside until management outlines a clear funding plan and provides greater transparency around its balance sheet strategy and long-term capital allocation priorities.

Oracle’s newly-refreshed management team recently outlined ambitious long-term targets, including Cloud Infrastructure revenue of $166 billion by FY30, representing a 75% five-year compound annual growth rate. The company also guided to gross margins of 30-40% for its AI products, addressing concerns following reports of lower profitability.

Credit investors remain cautious about Oracle’s aggressive growth goals, adopting what JPMorgan describes as a "wait and see" stance given the substantial execution risk. The investment bank expects broader investment engagement to remain limited until management demonstrates tangible progress toward these targets.

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