WallStSmart

Daily Journal Corp (DJCO)vsSAP SE ADR (SAP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 39013% more annual revenue ($38.19B vs $97.64M). SAP leads profitability with a 20.4% profit margin vs -11.6%. SAP appears more attractively valued with a PEG of 1.64. SAP earns a higher WallStSmart Score of 64/100 (C+).

DJCO

Hold

47

out of 100

Grade: D+

Growth: 8.7Profit: 4.0Value: 3.0Quality: 9.0
Piotroski: 5/9Altman Z: 4.65

SAP

Buy

64

out of 100

Grade: C+

Growth: 7.3Profit: 8.5Value: 4.0Quality: 8.0
Piotroski: 6/9Altman Z: 3.11
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DJCOSignificantly Overvalued (-76.5%)

Margin of Safety

-76.5%

Fair Value

$316.13

Current Price

$661.90

$345.77 premium

UndervaluedFair: $316.13Overvalued
SAPSignificantly Overvalued (-30.1%)

Margin of Safety

-30.1%

Fair Value

$151.01

Current Price

$206.36

$55.35 premium

UndervaluedFair: $151.01Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DJCO6 strengths · Avg: 9.0/10
EPS GrowthGrowth
57.6%10/10

Earnings expanding 57.6% YoY

Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.6510/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Operating MarginProfitability
22.2%8/10

Strong operational efficiency at 22.2%

Revenue GrowthGrowth
15.3%8/10

15.3% revenue growth

SAP6 strengths · Avg: 9.0/10
Market CapQuality
$248.28B10/10

Mega-cap, among the largest globally

Altman Z-ScoreHealth
3.1110/10

Safe zone — low bankruptcy risk

Profit MarginProfitability
20.4%9/10

Keeps 20 of every $100 in revenue as profit

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Operating MarginProfitability
27.6%8/10

Strong operational efficiency at 27.6%

EPS GrowthGrowth
30.6%8/10

Earnings expanding 30.6% YoY

Areas to Watch

DJCO4 concerns · Avg: 2.0/10
Market CapQuality
$912.07M3/10

Smaller company, higher risk/reward

PEG RatioValuation
4.322/10

Expensive relative to growth rate

Return on EquityProfitability
-3.4%2/10

ROE of -3.4% — below average capital efficiency

Profit MarginProfitability
-11.6%1/10

Currently unprofitable

SAP3 concerns · Avg: 3.3/10
PEG RatioValuation
1.644/10

Expensive relative to growth rate

P/E RatioValuation
27.8x4/10

Moderate valuation

Price/BookValuation
64.9x2/10

Trading at 64.9x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : DJCO

The strongest argument for DJCO centers on EPS Growth, Debt/Equity, Altman Z-Score. Revenue growth of 15.3% demonstrates continued momentum.

Bull Case : SAP

The strongest argument for SAP centers on Market Cap, Altman Z-Score, Profit Margin. Profitability is solid with margins at 20.4% and operating margin at 27.6%.

Bear Case : DJCO

The primary concerns for DJCO are Market Cap, PEG Ratio, Return on Equity.

Bear Case : SAP

The primary concerns for SAP are PEG Ratio, P/E Ratio, Price/Book.

Key Dynamics to Monitor

DJCO profiles as a growth stock while SAP is a mature play — different risk/reward profiles.

DJCO carries more volatility with a beta of 0.84 — expect wider price swings.

DJCO is growing revenue faster at 15.3% — sustainability is the question.

SAP generates stronger free cash flow (3.0B), providing more financial flexibility.

Bottom Line

SAP scores higher overall (64/100 vs 47/100), backed by strong 20.4% 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.

Daily Journal Corp

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Daily Journal Corporation publishes newspapers and websites covering California, Arizona, and Utah. The company is headquartered in Los Angeles, California.

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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