SAP SE ADR (SAP)vsUpbound Group Inc. (UPBD)
SAP
SAP SE ADR
$148.06
-1.27%
TECHNOLOGY · Cap: $179.08B
UPBD
Upbound Group Inc.
$19.84
+0.38%
TECHNOLOGY · Cap: $1.19B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 688% more annual revenue ($37.34B vs $4.74B). SAP leads profitability with a 19.6% profit margin vs 1.8%. SAP appears more attractively valued with a PEG of 1.35. UPBD earns a higher WallStSmart Score of 63/100 (C+).
SAP
Buy59
out of 100
Grade: C
UPBD
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-34.8%
Fair Value
$145.80
Current Price
$148.06
$2.26 premium
Margin of Safety
+35.5%
Fair Value
$30.71
Current Price
$19.84
$10.87 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
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 45.2% YoY
Areas to Watch
No major concerns identified
3.7% revenue growth
Smaller company, higher risk/reward
1.8% margin — thin
Weak financial health signals
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 1.35 suggests the stock is reasonably priced for its growth.
Bull Case : UPBD
The strongest argument for UPBD centers on P/E Ratio, Price/Book, EPS Growth. PEG of 1.39 suggests the stock is reasonably priced for its growth.
Bear Case : SAP
No major red flags identified for SAP, but monitor valuation.
Bear Case : UPBD
The primary concerns for UPBD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 2.41 is elevated, increasing financial risk. Thin 1.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
SAP profiles as a mature stock while UPBD is a value play — different risk/reward profiles.
UPBD carries more volatility with a beta of 1.82 — expect wider price swings.
SAP is growing revenue faster at 6.0% — sustainability is the question.
SAP generates stronger free cash flow (3.3B), providing more financial flexibility.
Bottom Line
UPBD scores higher overall (63/100 vs 59/100). 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 →Upbound Group Inc.
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Upbound Group, Inc., an omni-channel platform company, leases household durable goods to customers on a lease-to-own basis in the United States, Puerto Rico, and Mexico. The company is headquartered in Plano, Texas.
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