WallStSmart

Lightspeed Commerce Inc (LSPD)vsSAP SE ADR (SAP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 2943% more annual revenue ($37.34B vs $1.23B). SAP leads profitability with a 19.6% profit margin vs -11.8%. SAP earns a higher WallStSmart Score of 59/100 (C).

LSPD

Hold

40

out of 100

Grade: D

Growth: 6.0Profit: 2.0Value: 5.0Quality: 9.0
Piotroski: 5/9Altman Z: 3.49

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

Intrinsic value data unavailable for LSPD.

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

LSPD3 strengths · Avg: 10.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
3.4910/10

Safe zone — low bankruptcy risk

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

LSPD4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$1.33B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-9.7%2/10

ROE of -9.7% — below average capital efficiency

Free Cash FlowQuality
$-7.99M2/10

Negative free cash flow — burning cash

SAP0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : LSPD

The strongest argument for LSPD centers on Price/Book, Debt/Equity, Altman Z-Score. Revenue growth of 14.7% 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 : LSPD

The primary concerns for LSPD are EPS Growth, Market Cap, Return on Equity.

Bear Case : SAP

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

Key Dynamics to Monitor

LSPD profiles as a turnaround stock while SAP is a mature play — different risk/reward profiles.

LSPD carries more volatility with a beta of 1.85 — expect wider price swings.

LSPD is growing revenue faster at 14.7% — sustainability is the question.

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

Bottom Line

SAP scores higher overall (59/100 vs 40/100), backed by strong 19.6% 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.

Lightspeed Commerce Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Lightspeed POS Inc. provides a software-as-a-service (SaaS) platform that enables commerce for small and medium-sized businesses, retailers, restaurants, and golf course operators in Canada, the United States, Germany, Australia, and internationally. The company is headquartered in Montral, Canada.

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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