NCR Atleos Corporation (NATL)vsSAP SE ADR (SAP)
NATL
NCR Atleos Corporation
$43.74
+0.60%
TECHNOLOGY · Cap: $3.20B
SAP
SAP SE ADR
$168.95
-1.20%
TECHNOLOGY · Cap: $217.55B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 745% more annual revenue ($36.80B vs $4.35B). SAP leads profitability with a 19.5% profit margin vs 3.7%. NATL trades at a lower P/E of 20.3x. SAP earns a higher WallStSmart Score of 58/100 (C).
NATL
Buy58
out of 100
Grade: C
SAP
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+58.8%
Fair Value
$100.15
Current Price
$43.74
$56.41 discount
Margin of Safety
-88.8%
Fair Value
$104.04
Current Price
$168.95
$64.91 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 52 in profit
Earnings expanding 97.5% YoY
Mega-cap, among the largest globally
Safe zone — low bankruptcy risk
Conservative balance sheet, low leverage
Growing faster than its price suggests
Strong operational efficiency at 29.2%
Generating 1.1B in free cash flow
Areas to Watch
4.0% revenue growth
3.7% margin — thin
Distress zone — elevated risk
Moderate valuation
3.3% revenue growth
Comparative Analysis Report
WallStSmart ResearchBull Case : NATL
The strongest argument for NATL centers on Return on Equity, EPS Growth.
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 : NATL
The primary concerns for NATL are Revenue Growth, Profit Margin, Altman Z-Score. Thin 3.7% margins leave little buffer for downturns.
Bear Case : SAP
The primary concerns for SAP are P/E Ratio, Revenue Growth.
Key Dynamics to Monitor
NATL carries more volatility with a beta of 0.79 — expect wider price swings.
NATL is growing revenue faster at 4.0% — sustainability is the question.
SAP generates stronger free cash flow (1.1B), providing more financial flexibility.
Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.
Bottom Line
NATL scores higher overall (58/100 vs 58/100). 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.
NCR Atleos Corporation
TECHNOLOGY · SOFTWARE - APPLICATION · USA
NCR ATMCo, LLC is a financial technology company in the United States, rest of Americas, the United Kingdom, rest of Europe, the Middle East, Africa, and the Asia Pacific.
Visit Website →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 →Compare with Other SOFTWARE - APPLICATION Stocks
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