WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 41002% more annual revenue ($36.80B vs $89.53M). DJCO leads profitability with a 104.2% profit margin vs 19.5%. SAP appears more attractively valued with a PEG of 0.79. DJCO earns a higher WallStSmart Score of 66/100 (B-).

DJCO

Strong Buy

66

out of 100

Grade: B-

Growth: 8.0Profit: 7.5Value: 7.3Quality: 7.8
Piotroski: 5/9Altman Z: 4.65

SAP

Buy

58

out of 100

Grade: C

Growth: 5.3Profit: 8.5Value: 7.3Quality: 8.0
Piotroski: 6/9Altman Z: 3.09
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DJCOUndervalued (+82.4%)

Margin of Safety

+82.4%

Fair Value

$3168.36

Current Price

$488.02

$2680.34 discount

UndervaluedFair: $3168.36Overvalued
SAPSignificantly Overvalued (-88.8%)

Margin of Safety

-88.8%

Fair Value

$104.04

Current Price

$168.95

$64.91 premium

UndervaluedFair: $104.04Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DJCO6 strengths · Avg: 9.5/10
P/E RatioValuation
7.0x10/10

Attractively priced relative to earnings

Profit MarginProfitability
104.2%10/10

Keeps 104 of every $100 in revenue as profit

EPS GrowthGrowth
57.6%10/10

Earnings expanding 57.6% YoY

Altman Z-ScoreHealth
4.6510/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
27.7%9/10

Every $100 of equity generates 28 in profit

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

SAP6 strengths · Avg: 8.8/10
Market CapQuality
$217.55B10/10

Mega-cap, among the largest globally

Altman Z-ScoreHealth
3.0910/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.798/10

Growing faster than its price suggests

Operating MarginProfitability
29.2%8/10

Strong operational efficiency at 29.2%

Free Cash FlowQuality
$1.09B8/10

Generating 1.1B in free cash flow

Areas to Watch

DJCO3 concerns · Avg: 2.3/10
Market CapQuality
$648.20M3/10

Smaller company, higher risk/reward

PEG RatioValuation
4.322/10

Expensive relative to growth rate

Free Cash FlowQuality
$-1.95M2/10

Negative free cash flow — burning cash

SAP2 concerns · Avg: 4.0/10
P/E RatioValuation
26.3x4/10

Moderate valuation

Revenue GrowthGrowth
3.3%4/10

3.3% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : DJCO

The strongest argument for DJCO centers on P/E Ratio, Profit Margin, EPS Growth. Profitability is solid with margins at 104.2% and operating margin at 5.5%. Revenue growth of 10.4% demonstrates continued momentum.

Bull Case : SAP

The strongest argument for SAP centers on Market Cap, Altman Z-Score, Debt/Equity. Profitability is solid with margins at 19.5% and operating margin at 29.2%. PEG of 0.79 suggests the stock is reasonably priced for its growth.

Bear Case : DJCO

The primary concerns for DJCO are Market Cap, PEG Ratio, Free Cash Flow.

Bear Case : SAP

The primary concerns for SAP are P/E Ratio, Revenue Growth.

Key Dynamics to Monitor

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

DJCO carries more volatility with a beta of 0.85 — expect wider price swings.

DJCO is growing revenue faster at 10.4% — sustainability is the question.

SAP generates stronger free cash flow (1.1B), providing more financial flexibility.

Bottom Line

DJCO scores higher overall (66/100 vs 58/100), backed by strong 104.2% margins and 10.4% revenue growth. 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.

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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