SAP SE ADR (SAP)vsSapiens International Corporation NV (SPNS)
SAP
SAP SE ADR
$168.95
-1.20%
TECHNOLOGY · Cap: $217.55B
SPNS
Sapiens International Corporation NV
$43.45
0.00%
TECHNOLOGY · Cap: $2.43B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 6421% more annual revenue ($36.80B vs $564.33M). SAP leads profitability with a 19.5% profit margin vs 11.4%. SAP appears more attractively valued with a PEG of 0.79. SAP earns a higher WallStSmart Score of 58/100 (C).
SAP
Buy58
out of 100
Grade: C
SPNS
Hold43
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-88.8%
Fair Value
$104.04
Current Price
$168.95
$64.91 premium
Margin of Safety
-455.6%
Fair Value
$7.82
Current Price
$43.45
$35.63 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
No standout strengths identified
Areas to Watch
Moderate valuation
3.3% revenue growth
Premium valuation, high expectations priced in
Expensive relative to growth rate
Earnings declined 23.8%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : SPNS
Revenue growth of 11.2% demonstrates continued momentum.
Bear Case : SAP
The primary concerns for SAP are P/E Ratio, Revenue Growth.
Bear Case : SPNS
The primary concerns for SPNS are P/E Ratio, PEG Ratio, EPS Growth.
Key Dynamics to Monitor
SPNS carries more volatility with a beta of 0.90 — expect wider price swings.
SPNS is growing revenue faster at 11.2% — 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
SAP scores higher overall (58/100 vs 43/100), backed by strong 19.5% 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.
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 →Sapiens International Corporation NV
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Sapiens International Corporation NV provides software solutions for the insurance and financial services industries in North America, Europe, Asia Pacific, and South Africa. The company is headquartered in Holon, Israel.
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