WallStSmart

Carnival Plc ADS (CUK)vsSAP SE ADR (SAP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 38% more annual revenue ($37.34B vs $26.98B). SAP leads profitability with a 19.6% profit margin vs 11.5%. CUK appears more attractively valued with a PEG of 1.12. CUK earns a higher WallStSmart Score of 67/100 (B-).

CUK

Strong Buy

67

out of 100

Grade: B-

Growth: 8.7Profit: 7.0Value: 8.0Quality: 3.0
Piotroski: 5/9Altman Z: 0.89

SAP

Buy

58

out of 100

Grade: C

Growth: 6.0Profit: 8.5Value: 4.0Quality: 6.8
Piotroski: 6/9Altman Z: 3.11
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CUKUndervalued (+75.5%)

Margin of Safety

+75.5%

Fair Value

$134.00

Current Price

$27.47

$106.53 discount

UndervaluedFair: $134.00Overvalued
SAPSignificantly Overvalued (-34.7%)

Margin of Safety

-34.7%

Fair Value

$145.83

Current Price

$184.77

$38.94 premium

UndervaluedFair: $145.83Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CUK4 strengths · Avg: 8.3/10
Return on EquityProfitability
25.2%9/10

Every $100 of equity generates 25 in profit

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

EPS GrowthGrowth
35.8%8/10

Earnings expanding 35.8% YoY

SAP4 strengths · Avg: 9.5/10
Market CapQuality
$205.30B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
30.0%10/10

Strong operational efficiency at 30.0%

Altman Z-ScoreHealth
3.1110/10

Safe zone — low bankruptcy risk

Free Cash FlowQuality
$3.27B8/10

Generating 3.3B in free cash flow

Areas to Watch

CUK2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.892/10

Distress zone — elevated risk

Debt/EquityHealth
2.281/10

Elevated debt levels

SAP1 concerns · Avg: 4.0/10
PEG RatioValuation
1.514/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : CUK

The strongest argument for CUK centers on Return on Equity, P/E Ratio, Price/Book. PEG of 1.12 suggests the stock is reasonably priced for its growth.

Bull Case : SAP

The strongest argument for SAP centers on Market Cap, Operating Margin, Altman Z-Score. Profitability is solid with margins at 19.6% and operating margin at 30.0%.

Bear Case : CUK

The primary concerns for CUK are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.28 is elevated, increasing financial risk.

Bear Case : SAP

The primary concerns for SAP are PEG Ratio.

Key Dynamics to Monitor

CUK profiles as a value stock while SAP is a mature play — different risk/reward profiles.

CUK carries more volatility with a beta of 2.33 — expect wider price swings.

CUK is growing revenue faster at 6.1% — sustainability is the question.

SAP generates stronger free cash flow (3.3B), providing more financial flexibility.

Bottom Line

CUK scores higher overall (67/100 vs 58/100). Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Carnival Plc ADS

CONSUMER CYCLICAL · TRAVEL SERVICES · USA

Carnival Corporation & plc is a leisure travel company. The company is headquartered in Miami, Florida.

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SAP SE ADR

TECHNOLOGY · SOFTWARE - APPLICATION · USA

SAP SE is a global enterprise application software company. The company is headquartered in Walldorf, Germany.

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