Bill Com Holdings Inc (BILL)vsSAP SE ADR (SAP)
BILL
Bill Com Holdings Inc
$38.17
-0.86%
TECHNOLOGY · Cap: $3.86B
SAP
SAP SE ADR
$168.95
-1.20%
TECHNOLOGY · Cap: $217.55B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 2271% more annual revenue ($36.80B vs $1.55B). SAP leads profitability with a 19.5% profit margin vs -1.6%. BILL appears more attractively valued with a PEG of 0.55. SAP earns a higher WallStSmart Score of 58/100 (C).
BILL
Hold48
out of 100
Grade: D+
SAP
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for BILL.
Margin of Safety
-88.8%
Fair Value
$104.04
Current Price
$168.95
$64.91 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Growing faster than its price suggests
Mega-cap, among the largest globally
Safe zone — low bankruptcy risk
Conservative balance sheet, low leverage
Growing faster than its price suggests
Strong operational efficiency at 29.2%
Generating 1.1B in free cash flow
Areas to Watch
0.0% earnings growth
ROE of -0.6% — below average capital efficiency
Distress zone — elevated risk
Currently unprofitable
Moderate valuation
3.3% revenue growth
Comparative Analysis Report
WallStSmart ResearchBull Case : BILL
The strongest argument for BILL centers on Price/Book, PEG Ratio. Revenue growth of 14.4% demonstrates continued momentum. PEG of 0.55 suggests the stock is reasonably priced for its growth.
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.
Bear Case : BILL
The primary concerns for BILL are EPS Growth, Return on Equity, Altman Z-Score.
Bear Case : SAP
The primary concerns for SAP are P/E Ratio, Revenue Growth.
Key Dynamics to Monitor
BILL profiles as a turnaround stock while SAP is a value play — different risk/reward profiles.
BILL carries more volatility with a beta of 1.30 — expect wider price swings.
BILL is growing revenue faster at 14.4% — 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 48/100), backed by strong 19.5% margins. Both earn "Buy" and "Hold" 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.
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