Automatic Data Processing Inc (ADP)vsSapiens International Corporation NV (SPNS)
ADP
Automatic Data Processing Inc
$286.08
+0.25%
TECHNOLOGY · Cap: $113.74B
SPNS
Sapiens International Corporation NV
$43.45
0.00%
TECHNOLOGY · Cap: $2.43B
Smart Verdict
WallStSmart Research — data-driven comparison
Automatic Data Processing Inc generates 3789% more annual revenue ($21.95B vs $564.33M). ADP leads profitability with a 20.1% profit margin vs 0.1%. ADP appears more attractively valued with a PEG of 2.50. ADP earns a higher WallStSmart Score of 62/100 (C+).
ADP
Buy62
out of 100
Grade: C+
SPNS
Hold43
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-84.1%
Fair Value
$165.18
Current Price
$286.08
$120.90 premium
Intrinsic value data unavailable for SPNS.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 73 in profit
Large-cap with strong market position
Keeps 20 of every $100 in revenue as profit
Strong operational efficiency at 23.5%
Generating 1.4B in free cash flow
No standout strengths identified
Areas to Watch
Expensive relative to growth rate
Moderate valuation
Trading at 18.9x book value
Weak financial health signals
Premium valuation, high expectations priced in
0.1% revenue growth
ROE of 0.1% — below average capital efficiency
0.1% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : ADP
The strongest argument for ADP centers on Return on Equity, Market Cap, Profit Margin. Profitability is solid with margins at 20.1% and operating margin at 23.5%.
Bull Case : SPNS
SPNS has a balanced fundamental profile.
Bear Case : ADP
The primary concerns for ADP are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : SPNS
The primary concerns for SPNS are P/E Ratio, Revenue Growth, Return on Equity. Thin 0.1% margins leave little buffer for downturns.
Key Dynamics to Monitor
ADP profiles as a mature stock while SPNS is a value play — different risk/reward profiles.
SPNS carries more volatility with a beta of 0.90 — expect wider price swings.
ADP is growing revenue faster at 6.8% — sustainability is the question.
ADP generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ADP scores higher overall (62/100 vs 43/100), backed by strong 20.1% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Automatic Data Processing Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Automatic Data Processing, Inc. (ADP) is an American provider of human resources management software and services.
Sapiens International Corporation NV
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Sapiens International Corporation NV provides software solutions for the insurance and financial services industries in North America, Europe, Asia Pacific, and South Africa. The company is headquartered in Holon, Israel.
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