WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 924% more annual revenue ($38.19B vs $3.73B). SAP leads profitability with a 20.4% profit margin vs 16.0%. GRAB appears more attractively valued with a PEG of 0.58. GRAB earns a higher WallStSmart Score of 70/100 (B).

GRAB

Strong Buy

70

out of 100

Grade: B

Growth: 9.3Profit: 5.5Value: 6.3Quality: 5.0
Piotroski: 3/9Altman Z: -0.54

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

Intrinsic value data unavailable for GRAB.

SAPSignificantly Overvalued (-29.9%)

Margin of Safety

-29.9%

Fair Value

$151.18

Current Price

$210.68

$59.50 premium

UndervaluedFair: $151.18Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GRAB4 strengths · Avg: 8.0/10
PEG RatioValuation
0.588/10

Growing faster than its price suggests

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
21.9%8/10

Revenue surging 21.9% year-over-year

EPS GrowthGrowth
41.0%8/10

Earnings expanding 41.0% YoY

SAP6 strengths · Avg: 9.0/10
Market CapQuality
$241.75B10/10

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

GRAB4 concerns · Avg: 3.0/10
P/E RatioValuation
25.4x4/10

Moderate valuation

Operating MarginProfitability
2.1%3/10

Operating margin of 2.1%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.542/10

Distress zone — elevated risk

SAP3 concerns · Avg: 3.3/10
PEG RatioValuation
1.604/10

Expensive relative to growth rate

P/E RatioValuation
27.3x4/10

Moderate valuation

Price/BookValuation
66.3x2/10

Trading at 66.3x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : GRAB

The strongest argument for GRAB centers on PEG Ratio, Price/Book, Revenue Growth. Profitability is solid with margins at 16.0% and operating margin at 2.1%. Revenue growth of 21.9% 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 : GRAB

The primary concerns for GRAB are P/E Ratio, Operating Margin, Piotroski F-Score.

Bear Case : SAP

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

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 0.89 — expect wider price swings.

GRAB is growing revenue faster at 21.9% — sustainability is the question.

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

Bottom Line

GRAB scores higher overall (70/100 vs 64/100), backed by strong 16.0% margins and 21.9% 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.

Grab Holdings Ltd

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Grab Holdings Ltd is a leading technology platform in Southeast Asia, specializing in a diverse range of services including ride-hailing, food delivery, and digital payment solutions. Founded in 2012, Grab has quickly become integral to urban life in the region, serving millions of consumers while prioritizing innovation and sustainable practices. The company actively engages in strategic partnerships and invests significantly in technology to enhance operational efficiency and expand its offerings. With its focus on integrated consumer services, Grab is well-positioned to capitalize on the burgeoning demand within Southeast Asia's dynamic digital economy.

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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