SAP SE ADR (SAP)vsUpbound Group Inc. (UPBD)
SAP
SAP SE ADR
$210.68
+0.75%
TECHNOLOGY · Cap: $241.75B
UPBD
Upbound Group Inc.
$16.09
+1.39%
TECHNOLOGY · Cap: $978.26M
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 705% more annual revenue ($38.19B vs $4.74B). SAP leads profitability with a 20.4% profit margin vs 1.9%. UPBD appears more attractively valued with a PEG of 1.39. SAP earns a higher WallStSmart Score of 64/100 (C+).
SAP
Buy64
out of 100
Grade: C+
UPBD
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-29.9%
Fair Value
$151.18
Current Price
$210.68
$59.50 premium
Margin of Safety
+34.6%
Fair Value
$30.28
Current Price
$16.09
$14.19 discount
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 27.6%
Earnings expanding 30.6% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 42.3% YoY
Areas to Watch
Expensive relative to growth rate
Moderate valuation
Trading at 66.3x book value
0.5% revenue growth
Smaller company, higher risk/reward
1.9% margin — thin
Weak financial health signals
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 27.6%.
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
The primary concerns for SAP are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : UPBD
The primary concerns for UPBD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 2.33 is elevated, increasing financial risk. Thin 1.9% 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 1.77 — 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 63/100), backed by strong 20.4% margins. UPBD offers better value entry with a 34.6% margin of safety. 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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