Centene Corp (CNC)vsSAP SE ADR (SAP)
CNC
Centene Corp
$55.33
+4.44%
HEALTHCARE · Cap: $26.34B
SAP
SAP SE ADR
$173.44
-1.04%
TECHNOLOGY · Cap: $206.62B
Smart Verdict
WallStSmart Research — data-driven comparison
Centene Corp generates 378% more annual revenue ($178.33B vs $37.34B). SAP leads profitability with a 19.6% profit margin vs -3.6%. SAP appears more attractively valued with a PEG of 0.74. SAP earns a higher WallStSmart Score of 62/100 (C+).
CNC
Buy57
out of 100
Grade: C
SAP
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CNC.
Margin of Safety
-16.9%
Fair Value
$167.99
Current Price
$173.44
$5.45 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Generating 3.4B in free cash flow
Mega-cap, among the largest globally
Strong operational efficiency at 30.0%
Safe zone — low bankruptcy risk
Conservative balance sheet, low leverage
Growing faster than its price suggests
Generating 3.3B in free cash flow
Areas to Watch
ROE of -26.0% — below average capital efficiency
Currently unprofitable
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : CNC
The strongest argument for CNC centers on Price/Book, Free Cash Flow. PEG of 1.02 suggests the stock is reasonably priced for its growth.
Bull Case : SAP
The strongest argument for SAP centers on Market Cap, Operating Margin, Altman Z-Score. Profitability is solid with margins at 19.6% and operating margin at 30.0%. PEG of 0.74 suggests the stock is reasonably priced for its growth.
Bear Case : CNC
The primary concerns for CNC are Return on Equity, Profit Margin.
Bear Case : SAP
No major red flags identified for SAP, but monitor valuation.
Key Dynamics to Monitor
CNC profiles as a turnaround stock while SAP is a mature play — different risk/reward profiles.
SAP carries more volatility with a beta of 0.76 — expect wider price swings.
SAP is growing revenue faster at 6.0% — sustainability is the question.
CNC generates stronger free cash flow (3.4B), providing more financial flexibility.
Bottom Line
SAP scores higher overall (62/100 vs 57/100), backed by strong 19.6% margins. 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.
Centene Corp
HEALTHCARE · HEALTHCARE PLANS · USA
Centene Corporation is a large publicly traded company and a multi-line managed care enterprise that serves as a major intermediary for both government-sponsored and privately insured health care programs. It is a healthcare insurer that focuses on managed care for uninsured, underinsured, and low-income individuals.
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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