WallStSmart

SAP SE ADR (SAP)vsWorkiva Inc (WK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 4060% more annual revenue ($36.80B vs $884.57M). SAP leads profitability with a 19.5% profit margin vs -3.0%. SAP earns a higher WallStSmart Score of 58/100 (C).

SAP

Buy

58

out of 100

Grade: C

Growth: 5.3Profit: 8.5Value: 7.3Quality: 8.0
Piotroski: 6/9Altman Z: 3.09

WK

Avoid

32

out of 100

Grade: F

Growth: 6.7Profit: 2.5Value: 5.0Quality: 4.8
Piotroski: 4/9Altman Z: 0.30
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

SAPSignificantly Overvalued (-88.8%)

Margin of Safety

-88.8%

Fair Value

$104.04

Current Price

$168.95

$64.91 premium

UndervaluedFair: $104.04Overvalued

Intrinsic value data unavailable for WK.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SAP6 strengths · Avg: 8.8/10
Market CapQuality
$217.55B10/10

Mega-cap, among the largest globally

Altman Z-ScoreHealth
3.0910/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.798/10

Growing faster than its price suggests

Operating MarginProfitability
29.2%8/10

Strong operational efficiency at 29.2%

Free Cash FlowQuality
$1.09B8/10

Generating 1.1B in free cash flow

WK1 strengths · Avg: 8.0/10
Revenue GrowthGrowth
19.5%8/10

19.5% revenue growth

Areas to Watch

SAP2 concerns · Avg: 4.0/10
P/E RatioValuation
26.3x4/10

Moderate valuation

Revenue GrowthGrowth
3.3%4/10

3.3% revenue growth

WK4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Operating MarginProfitability
3.3%3/10

Operating margin of 3.3%

Return on EquityProfitability
-27.6%2/10

ROE of -27.6% — below average capital efficiency

Altman Z-ScoreHealth
0.302/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : SAP

The strongest argument for SAP centers on Market Cap, Altman Z-Score, Debt/Equity. Profitability is solid with margins at 19.5% and operating margin at 29.2%. PEG of 0.79 suggests the stock is reasonably priced for its growth.

Bull Case : WK

The strongest argument for WK centers on Revenue Growth. Revenue growth of 19.5% demonstrates continued momentum.

Bear Case : SAP

The primary concerns for SAP are P/E Ratio, Revenue Growth.

Bear Case : WK

The primary concerns for WK are EPS Growth, Operating Margin, Return on Equity.

Key Dynamics to Monitor

SAP profiles as a value stock while WK is a growth play — different risk/reward profiles.

SAP carries more volatility with a beta of 0.69 — expect wider price swings.

WK is growing revenue faster at 19.5% — sustainability is the question.

SAP generates stronger free cash flow (1.1B), providing more financial flexibility.

Bottom Line

SAP scores higher overall (58/100 vs 32/100), backed by strong 19.5% margins. Both earn "Buy" and "Avoid" 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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Workiva Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Workiva Inc. provides global cloud-based compliance and regulatory reporting solutions. The company is headquartered in Ames, Iowa.

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