WallStSmart

SAP SE ADR (SAP)vsTyler Technologies Inc (TYL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 1472% more annual revenue ($38.19B vs $2.43B). SAP leads profitability with a 20.4% profit margin vs 13.4%. TYL appears more attractively valued with a PEG of 1.55. SAP earns a higher WallStSmart Score of 64/100 (C+).

SAP

Buy

64

out of 100

Grade: C+

Growth: 7.3Profit: 8.5Value: 4.0Quality: 8.0
Piotroski: 6/9Altman Z: 3.11

TYL

Buy

53

out of 100

Grade: C-

Growth: 6.7Profit: 6.0Value: 4.7Quality: 7.0
Piotroski: 5/9Altman Z: 2.35
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

SAPSignificantly Overvalued (-29.9%)

Margin of Safety

-29.9%

Fair Value

$151.18

Current Price

$209.22

$58.04 premium

UndervaluedFair: $151.18Overvalued
TYLUndervalued (+2.2%)

Margin of Safety

+2.2%

Fair Value

$347.00

Current Price

$332.46

$14.54 discount

UndervaluedFair: $347.00Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SAP6 strengths · Avg: 9.0/10
Market CapQuality
$241.75B10/10

Mega-cap, among the largest globally

Altman Z-ScoreHealth
3.1110/10

Safe zone — low bankruptcy risk

Profit MarginProfitability
20.4%9/10

Keeps 20 of every $100 in revenue as profit

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Operating MarginProfitability
27.6%8/10

Strong operational efficiency at 27.6%

EPS GrowthGrowth
30.6%8/10

Earnings expanding 30.6% YoY

TYL0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

SAP3 concerns · Avg: 3.3/10
PEG RatioValuation
1.604/10

Expensive relative to growth rate

P/E RatioValuation
27.3x4/10

Moderate valuation

Price/BookValuation
65.8x2/10

Trading at 65.8x book value

TYL2 concerns · Avg: 3.0/10
PEG RatioValuation
1.554/10

Expensive relative to growth rate

P/E RatioValuation
44.5x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

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 27.6%.

Bull Case : TYL

TYL has a balanced fundamental profile.

Bear Case : SAP

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

Bear Case : TYL

The primary concerns for TYL are PEG Ratio, P/E Ratio. A P/E of 44.5x 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 0.83 — expect wider price swings.

SAP is growing revenue faster at 9.4% — sustainability is the question.

SAP generates stronger free cash flow (3.0B), providing more financial flexibility.

Bottom Line

SAP scores higher overall (64/100 vs 53/100), backed by strong 20.4% 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.

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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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