SAP SE ADR (SAP)vsTyler Technologies Inc (TYL)
SAP
SAP SE ADR
$149.51
-1.27%
TECHNOLOGY · Cap: $192.92B
TYL
Tyler Technologies Inc
$312.07
+1.27%
TECHNOLOGY · Cap: $12.29B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 1469% more annual revenue ($37.34B vs $2.38B). SAP leads profitability with a 19.6% profit margin vs 13.3%. SAP appears more attractively valued with a PEG of 1.44. SAP earns a higher WallStSmart Score of 59/100 (C).
SAP
Buy59
out of 100
Grade: C
TYL
Buy53
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-34.8%
Fair Value
$145.80
Current Price
$149.51
$3.71 premium
Margin of Safety
+0.4%
Fair Value
$340.69
Current Price
$312.07
$28.62 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 30.0%
Safe zone — low bankruptcy risk
Large-cap with strong market position
Generating 3.3B in free cash flow
Conservative balance sheet, low leverage
Areas to Watch
No major concerns identified
2.2% earnings growth
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : TYL
The strongest argument for TYL centers on Debt/Equity. PEG of 1.45 suggests the stock is reasonably priced for its growth.
Bear Case : SAP
No major red flags identified for SAP, but monitor valuation.
Bear Case : TYL
The primary concerns for TYL are EPS Growth, P/E Ratio. A P/E of 41.3x leaves little room for execution misses.
Key Dynamics to Monitor
SAP profiles as a mature stock while TYL is a value play — different risk/reward profiles.
TYL carries more volatility with a beta of 0.81 — expect wider price swings.
TYL is growing revenue faster at 8.6% — 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 53/100), backed by strong 19.6% margins. 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.
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 →Tyler Technologies Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Tyler Technologies, Inc., based in Plano, Texas, is the largest provider of software to the United States public sector.
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