WallStSmart

Grab Holdings Ltd (GRAB)vsSAP SE ADR (SAP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 951% more annual revenue ($37.34B vs $3.55B). SAP leads profitability with a 19.6% profit margin vs 10.7%. SAP appears more attractively valued with a PEG of 0.73. SAP earns a higher WallStSmart Score of 62/100 (C+).

GRAB

Buy

59

out of 100

Grade: C

Growth: 9.3Profit: 4.5Value: 4.0Quality: 4.8
Piotroski: 5/9Altman Z: -0.37

SAP

Buy

62

out of 100

Grade: C+

Growth: 6.0Profit: 8.5Value: 5.3Quality: 7.5
Piotroski: 5/9Altman Z: 3.11
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

GRABFair Value (-1.9%)

Margin of Safety

-1.9%

Fair Value

$4.15

Current Price

$3.72

$0.43 premium

UndervaluedFair: $4.15Overvalued
SAPSignificantly Overvalued (-16.9%)

Margin of Safety

-16.9%

Fair Value

$168.01

Current Price

$173.70

$5.69 premium

UndervaluedFair: $168.01Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GRAB3 strengths · Avg: 8.0/10
Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
23.5%8/10

Revenue surging 23.5% year-over-year

EPS GrowthGrowth
41.0%8/10

Earnings expanding 41.0% YoY

SAP6 strengths · Avg: 9.2/10
Market CapQuality
$204.11B10/10

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

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.738/10

Growing faster than its price suggests

Free Cash FlowQuality
$3.27B8/10

Generating 3.3B in free cash flow

Areas to Watch

GRAB4 concerns · Avg: 2.5/10
Return on EquityProfitability
4.8%3/10

ROE of 4.8% — below average capital efficiency

Operating MarginProfitability
2.7%3/10

Operating margin of 2.7%

P/E RatioValuation
94.3x2/10

Premium valuation, high expectations priced in

Free Cash FlowQuality
$-29.00M2/10

Negative free cash flow — burning cash

SAP0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : GRAB

The strongest argument for GRAB centers on Price/Book, Revenue Growth, EPS Growth. Revenue growth of 23.5% demonstrates continued momentum. PEG of 1.02 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%. PEG of 0.73 suggests the stock is reasonably priced for its growth.

Bear Case : GRAB

The primary concerns for GRAB are Return on Equity, Operating Margin, P/E Ratio. A P/E of 94.3x leaves little room for execution misses.

Bear Case : SAP

No major red flags identified for SAP, but monitor valuation.

Key Dynamics to Monitor

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

GRAB carries more volatility with a beta of 0.93 — expect wider price swings.

GRAB is growing revenue faster at 23.5% — sustainability is the question.

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

Bottom Line

SAP scores higher overall (62/100 vs 59/100), backed by strong 19.6% margins. Both earn "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.

Grab Holdings Ltd

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Grab Holdings Ltd is a premier technology platform in Southeast Asia, specializing in ride-hailing, food delivery, and digital payment solutions. Established in 2012, Grab has rapidly scaled its operations to meet the diverse needs of urban consumers, serving millions across the region. With a strong emphasis on innovation and sustainability, the company continues to invest in strategic partnerships and technology to improve its offerings. As Grab expands its services and geographic presence, it is strategically positioned to capture the burgeoning demand for integrated consumer solutions in the fast-evolving Southeast Asian digital landscape.

SAP SE ADR

TECHNOLOGY · SOFTWARE - APPLICATION · USA

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

Visit Website →

Want to dig deeper into these stocks?