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 1.49. 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: 6.8
Piotroski: 6/9Altman Z: 3.11

TYL

Buy

55

out of 100

Grade: C

Growth: 6.7Profit: 5.5Value: 5.3Quality: 7.5
Piotroski: 5/9Altman Z: 2.35
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

SAPSignificantly Overvalued (-30.4%)

Margin of Safety

-30.4%

Fair Value

$150.68

Current Price

$206.16

$55.48 premium

UndervaluedFair: $150.68Overvalued
TYLUndervalued (+2.6%)

Margin of Safety

+2.6%

Fair Value

$348.17

Current Price

$312.45

$35.72 discount

UndervaluedFair: $348.17Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SAP6 strengths · Avg: 8.8/10
Market CapQuality
$208.77B10/10

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

Operating MarginProfitability
27.6%8/10

Strong operational efficiency at 27.6%

EPS GrowthGrowth
30.6%8/10

Earnings expanding 30.6% YoY

Free Cash FlowQuality
$3.04B8/10

Generating 3.0B in free cash flow

TYL1 strengths · Avg: 9.0/10
Debt/EquityHealth
0.259/10

Conservative balance sheet, low leverage

Areas to Watch

SAP2 concerns · Avg: 3.0/10
PEG RatioValuation
1.634/10

Expensive relative to growth rate

Price/BookValuation
65.9x2/10

Trading at 65.9x book value

TYL2 concerns · Avg: 2.5/10
Return on EquityProfitability
5.6%3/10

ROE of 5.6% — below average capital efficiency

P/E RatioValuation
40.6x2/10

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

The strongest argument for TYL centers on Debt/Equity. PEG of 1.49 suggests the stock is reasonably priced for its growth.

Bear Case : SAP

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

Bear Case : TYL

The primary concerns for TYL are Return on Equity, P/E Ratio. A P/E of 40.6x 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 0.82 — 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 55/100), 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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