WallStSmart

Intuit Inc (INTU)vsSAP SE ADR (SAP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 78% more annual revenue ($37.34B vs $20.93B). INTU leads profitability with a 21.9% profit margin vs 19.6%. INTU appears more attractively valued with a PEG of 0.72. INTU earns a higher WallStSmart Score of 78/100 (B+).

INTU

Strong Buy

78

out of 100

Grade: B+

Growth: 6.7Profit: 8.5Value: 8.0Quality: 7.0
Piotroski: 6/9Altman Z: 2.52

SAP

Buy

59

out of 100

Grade: C

Growth: 6.0Profit: 8.5Value: 4.7Quality: 6.8
Piotroski: 6/9Altman Z: 3.11
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

INTUUndervalued (+24.4%)

Margin of Safety

+24.4%

Fair Value

$371.60

Current Price

$296.76

$74.84 discount

UndervaluedFair: $371.60Overvalued
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

INTU6 strengths · Avg: 8.8/10
Operating MarginProfitability
47.0%10/10

Strong operational efficiency at 47.0%

Market CapQuality
$77.07B9/10

Large-cap with strong market position

Return on EquityProfitability
22.2%9/10

Every $100 of equity generates 22 in profit

Profit MarginProfitability
21.9%9/10

Keeps 22 of every $100 in revenue as profit

PEG RatioValuation
0.728/10

Growing faster than its price suggests

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

SAP4 strengths · Avg: 9.3/10
Operating MarginProfitability
30.0%10/10

Strong operational efficiency at 30.0%

Altman Z-ScoreHealth
3.1110/10

Safe zone — low bankruptcy risk

Market CapQuality
$192.92B9/10

Large-cap with strong market position

Free Cash FlowQuality
$3.27B8/10

Generating 3.3B in free cash flow

Areas to Watch

INTU0 concerns · Avg: 0/10

No major concerns identified

SAP0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : INTU

The strongest argument for INTU centers on Operating Margin, Market Cap, Return on Equity. Profitability is solid with margins at 21.9% and operating margin at 47.0%. Revenue growth of 10.4% demonstrates continued momentum.

Bull Case : SAP

The strongest argument for SAP centers on Operating Margin, Altman Z-Score, Market Cap. Profitability is solid with margins at 19.6% and operating margin at 30.0%. PEG of 1.44 suggests the stock is reasonably priced for its growth.

Bear Case : INTU

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

Bear Case : SAP

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

Key Dynamics to Monitor

INTU carries more volatility with a beta of 0.96 — expect wider price swings.

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

INTU generates stronger free cash flow (5.2B), providing more financial flexibility.

Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

INTU scores higher overall (78/100 vs 59/100), backed by strong 21.9% 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.

Intuit Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Intuit Inc. is an American business that specializes in financial software. Intuit's products include the tax preparation application TurboTax, personal finance app Mint and the small business accounting program QuickBooks.

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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