Bill Com Holdings Inc (BILL)vsSAP SE ADR (SAP)
BILL
Bill Com Holdings Inc
$35.97
+0.03%
TECHNOLOGY · Cap: $3.30B
SAP
SAP SE ADR
$184.77
-1.27%
TECHNOLOGY · Cap: $192.92B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 2233% more annual revenue ($37.34B vs $1.60B). SAP leads profitability with a 19.6% profit margin vs 0.0%. BILL appears more attractively valued with a PEG of 0.33. SAP earns a higher WallStSmart Score of 59/100 (C).
BILL
Buy55
out of 100
Grade: C-
SAP
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+80.7%
Fair Value
$243.50
Current Price
$35.97
$207.53 discount
Margin of Safety
-34.7%
Fair Value
$145.83
Current Price
$184.77
$38.94 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 30.0%
Safe zone — low bankruptcy risk
Large-cap with strong market position
Generating 3.3B in free cash flow
Areas to Watch
0.0% earnings growth
ROE of 0.0% — below average capital efficiency
0.0% margin — thin
Operating margin of 1.1%
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : BILL
The strongest argument for BILL centers on PEG Ratio, Price/Book. Revenue growth of 13.5% demonstrates continued momentum. PEG of 0.33 suggests the stock is reasonably priced for its growth.
Bull 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 1.44 suggests the stock is reasonably priced for its growth.
Bear Case : BILL
The primary concerns for BILL are EPS Growth, Return on Equity, Profit Margin. Thin 0.0% margins leave little buffer for downturns.
Bear Case : SAP
No major red flags identified for SAP, but monitor valuation.
Key Dynamics to Monitor
BILL profiles as a value stock while SAP is a mature play — different risk/reward profiles.
BILL carries more volatility with a beta of 1.18 — expect wider price swings.
BILL is growing revenue faster at 13.5% — sustainability is the question.
SAP generates stronger free cash flow (3.3B), providing more financial flexibility.
Bottom Line
SAP scores higher overall (59/100 vs 55/100), backed by strong 19.6% margins. BILL offers better value entry with a 80.7% 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.
Bill Com Holdings Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Bill.com Holdings, Inc. provides cloud-based software that digitizes and automates financial back-office operations for small and medium-sized businesses globally. The company is headquartered in Palo Alto, California.
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 →Compare with Other SOFTWARE - APPLICATION Stocks
Want to dig deeper into these stocks?