SAP SE ADR (SAP)vsSapiens International Corporation NV (SPNS)
SAP
SAP SE ADR
$236.93
+0.48%
TECHNOLOGY · Cap: $272.16B
SPNS
Sapiens International Corporation NV
$43.45
0.00%
TECHNOLOGY · Cap: $2.43B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 6879% more annual revenue ($39.39B vs $564.33M). SAP leads profitability with a 20.4% profit margin vs 0.1%. SAP appears more attractively valued with a PEG of 1.84. SAP earns a higher WallStSmart Score of 60/100 (C).
SAP
Buy60
out of 100
Grade: C
SPNS
Hold43
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-25.6%
Fair Value
$156.37
Current Price
$236.93
$80.56 premium
Intrinsic value data unavailable for SPNS.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Safe zone — low bankruptcy risk
Keeps 20 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Generating 1.7B in free cash flow
No standout strengths identified
Areas to Watch
Expensive relative to growth rate
Moderate valuation
Trading at 74.3x book value
Premium valuation, high expectations priced in
0.1% revenue growth
ROE of 0.1% — below average capital efficiency
0.1% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : SPNS
SPNS has a balanced fundamental profile.
Bear Case : SAP
The primary concerns for SAP are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : SPNS
The primary concerns for SPNS are P/E Ratio, Revenue Growth, Return on Equity. Thin 0.1% margins leave little buffer for downturns.
Key Dynamics to Monitor
SAP profiles as a mature stock while SPNS is a value play — different risk/reward profiles.
SPNS carries more volatility with a beta of 0.90 — 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
SAP scores higher overall (60/100 vs 43/100), backed by strong 20.4% margins and 13.2% revenue growth. 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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