WallStSmart

CCC Intelligent Solutions Holdings Inc. (CCC)vsSAP SE ADR (SAP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 3336% more annual revenue ($37.34B vs $1.09B). SAP leads profitability with a 19.6% profit margin vs 3.2%. SAP trades at a lower P/E of 22.8x. SAP earns a higher WallStSmart Score of 59/100 (C).

CCC

Buy

55

out of 100

Grade: C

Growth: 8.0Profit: 5.0Value: 5.7Quality: 4.0
Piotroski: 2/9Altman Z: 0.28

SAP

Buy

59

out of 100

Grade: C

Growth: 6.0Profit: 8.5Value: 4.7Quality: 6.8
Piotroski: 6/9Altman Z: 3.11
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CCCUndervalued (+42.2%)

Margin of Safety

+42.2%

Fair Value

$8.96

Current Price

$4.66

$4.30 discount

UndervaluedFair: $8.96Overvalued
SAPSignificantly Overvalued (-34.8%)

Margin of Safety

-34.8%

Fair Value

$145.80

Current Price

$149.51

$3.71 premium

UndervaluedFair: $145.80Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CCC2 strengths · Avg: 8.0/10
Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
35.0%8/10

Earnings expanding 35.0% YoY

SAP4 strengths · Avg: 9.3/10
Operating MarginProfitability
30.0%10/10

Strong operational efficiency at 30.0%

Altman Z-ScoreHealth
3.1110/10

Safe zone — low bankruptcy risk

Market CapQuality
$192.92B9/10

Large-cap with strong market position

Free Cash FlowQuality
$3.27B8/10

Generating 3.3B in free cash flow

Areas to Watch

CCC4 concerns · Avg: 2.8/10
Return on EquityProfitability
2.0%3/10

ROE of 2.0% — below average capital efficiency

Profit MarginProfitability
3.2%3/10

3.2% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

P/E RatioValuation
76.7x2/10

Premium valuation, high expectations priced in

SAP0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : CCC

The strongest argument for CCC centers on Price/Book, EPS Growth. Revenue growth of 11.8% demonstrates continued momentum.

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 : CCC

The primary concerns for CCC are Return on Equity, Profit Margin, Piotroski F-Score. A P/E of 76.7x leaves little room for execution misses. Thin 3.2% margins leave little buffer for downturns.

Bear Case : SAP

No major red flags identified for SAP, but monitor valuation.

Key Dynamics to Monitor

CCC profiles as a value stock while SAP is a mature play — different risk/reward profiles.

SAP carries more volatility with a beta of 0.73 — expect wider price swings.

CCC is growing revenue faster at 11.8% — 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. CCC offers better value entry with a 42.2% 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.

CCC Intelligent Solutions Holdings Inc.

TECHNOLOGY · SOFTWARE - APPLICATION · USA

CCC Intelligent Solutions Holdings Inc. is a leading provider of digital solutions in the automotive and insurance industries, leveraging advanced data analytics and machine learning technologies to drive efficiency and streamline operations. Its comprehensive platform enhances claims management, vehicle valuation, and repair estimation, serving a broad spectrum of clients. Positioned at the intersection of technology and risk management, CCC is poised for significant growth as it addresses the data-driven demands of a rapidly evolving marketplace, making it a pivotal player in the insurance tech landscape.

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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