CSG Systems International Inc (CSGS)vsSAP SE ADR (SAP)
CSGS
CSG Systems International Inc
$80.69
0.00%
TECHNOLOGY · Cap: $2.29B
SAP
SAP SE ADR
$207.97
-0.63%
TECHNOLOGY · Cap: $241.55B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 2986% more annual revenue ($38.19B vs $1.24B). SAP leads profitability with a 20.4% profit margin vs 5.1%. CSGS appears more attractively valued with a PEG of 1.56. SAP earns a higher WallStSmart Score of 64/100 (C+).
CSGS
Buy60
out of 100
Grade: C+
SAP
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-64.7%
Fair Value
$48.33
Current Price
$80.69
$32.36 premium
Margin of Safety
-30.4%
Fair Value
$150.69
Current Price
$207.97
$57.28 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 22 in profit
Earnings expanding 45.6% YoY
Mega-cap, among the largest globally
Safe zone — low bankruptcy risk
Keeps 20 of every $100 in revenue as profit
Strong operational efficiency at 27.6%
Earnings expanding 30.6% YoY
Generating 3.0B in free cash flow
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
4.8% revenue growth
5.1% margin — thin
Expensive relative to growth rate
Moderate valuation
Trading at 65.4x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : CSGS
The strongest argument for CSGS centers on Return on Equity, EPS Growth.
Bull Case : SAP
The strongest argument for SAP centers on Market Cap, Altman Z-Score, Profit Margin. Profitability is solid with margins at 20.4% and operating margin at 27.6%.
Bear Case : CSGS
The primary concerns for CSGS are PEG Ratio, P/E Ratio, Revenue Growth. Debt-to-equity of 2.07 is elevated, increasing financial risk.
Bear Case : SAP
The primary concerns for SAP are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
CSGS profiles as a value stock while SAP is a mature play — different risk/reward profiles.
CSGS carries more volatility with a beta of 0.82 — expect wider price swings.
SAP is growing revenue faster at 9.4% — sustainability is the question.
SAP generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
SAP scores higher overall (64/100 vs 60/100), backed by strong 20.4% 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.
CSG Systems International Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
CSG Systems International, Inc. provides revenue management, customer experience, and payment solutions primarily to the communications industry in the Americas, Europe, the Middle East, Africa, and Asia Pacific. The company is headquartered in Greenwood Village, Colorado.
Visit Website →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
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