WallStSmart

NetSol Technologies Inc (NTWK)vsSAP SE ADR (SAP)

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Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 52860% more annual revenue ($39.39B vs $74.37M). SAP leads profitability with a 20.4% profit margin vs 4.0%. NTWK appears more attractively valued with a PEG of 0.35. NTWK earns a higher WallStSmart Score of 66/100 (B-).

NTWK

Strong Buy

66

out of 100

Grade: B-

Growth: 8.0Profit: 6.0Value: 6.3Quality: 7.5
Piotroski: 2/9Altman Z: 2.06

SAP

Buy

60

out of 100

Grade: C

Growth: 6.0Profit: 8.5Value: 4.0Quality: 8.0
Piotroski: 6/9Altman Z: 3.10
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for NTWK.

SAPSignificantly Overvalued (-25.6%)

Margin of Safety

-25.6%

Fair Value

$156.37

Current Price

$236.93

$80.56 premium

UndervaluedFair: $156.37Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NTWK5 strengths · Avg: 8.6/10
PEG RatioValuation
0.3510/10

Growing faster than its price suggests

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Operating MarginProfitability
21.6%8/10

Strong operational efficiency at 21.6%

EPS GrowthGrowth
45.6%8/10

Earnings expanding 45.6% YoY

SAP6 strengths · Avg: 9.0/10
Market CapQuality
$272.16B10/10

Mega-cap, among the largest globally

Altman Z-ScoreHealth
3.1010/10

Safe zone — low bankruptcy risk

Profit MarginProfitability
20.4%9/10

Keeps 20 of every $100 in revenue as profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Operating MarginProfitability
29.5%8/10

Strong operational efficiency at 29.5%

Free Cash FlowQuality
$1.71B8/10

Generating 1.7B in free cash flow

Areas to Watch

NTWK4 concerns · Avg: 3.3/10
P/E RatioValuation
31.4x4/10

Premium valuation, high expectations priced in

Market CapQuality
$93.95M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
4.0%3/10

4.0% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

SAP3 concerns · Avg: 3.3/10
PEG RatioValuation
1.844/10

Expensive relative to growth rate

P/E RatioValuation
29.4x4/10

Moderate valuation

Price/BookValuation
74.3x2/10

Trading at 74.3x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : NTWK

The strongest argument for NTWK centers on PEG Ratio, Debt/Equity, Price/Book. Revenue growth of 12.5% demonstrates continued momentum. PEG of 0.35 suggests the stock is reasonably priced for its growth.

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 29.5%. Revenue growth of 13.2% demonstrates continued momentum.

Bear Case : NTWK

The primary concerns for NTWK are P/E Ratio, Market Cap, Profit Margin. Thin 4.0% margins leave little buffer for downturns.

Bear Case : SAP

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

Key Dynamics to Monitor

NTWK profiles as a value stock while SAP is a mature play — different risk/reward profiles.

NTWK carries more volatility with a beta of 0.94 — expect wider price swings.

SAP is growing revenue faster at 13.2% — sustainability is the question.

SAP generates stronger free cash flow (1.7B), providing more financial flexibility.

Bottom Line

NTWK scores higher overall (66/100 vs 60/100) and 12.5% 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.

NetSol Technologies Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

NetSol Technologies, Inc. designs, develops, markets and exports software products to the global auto finance and leasing, banking and financial services industries. The company is headquartered in Calabasas, California.

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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