WallStSmart

Diebold Nixdorf, Incorporated (DBD)vsSAP SE ADR (SAP)

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Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 886% more annual revenue ($38.19B vs $3.87B). SAP leads profitability with a 20.4% profit margin vs 2.9%. DBD trades at a lower P/E of 21.5x. SAP earns a higher WallStSmart Score of 64/100 (C+).

DBD

Buy

54

out of 100

Grade: C-

Growth: 6.0Profit: 5.5Value: 5.3Quality: 5.0
Piotroski: 4/9Altman Z: 1.57

SAP

Buy

64

out of 100

Grade: C+

Growth: 7.3Profit: 8.5Value: 4.7Quality: 8.0
Piotroski: 6/9Altman Z: 3.10
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for DBD.

SAPSignificantly Overvalued (-29.7%)

Margin of Safety

-29.7%

Fair Value

$151.45

Current Price

$224.29

$72.84 premium

UndervaluedFair: $151.45Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DBD2 strengths · Avg: 8.0/10
Price/BookValuation
2.3x8/10

Reasonable price relative to book value

EPS GrowthGrowth
34.2%8/10

Earnings expanding 34.2% YoY

SAP6 strengths · Avg: 9.0/10
Market CapQuality
$254.49B10/10

Mega-cap, among the largest globally

Altman Z-ScoreHealth
3.1010/10

Safe zone — low bankruptcy risk

Profit MarginProfitability
20.4%9/10

Keeps 20 of every $100 in revenue as profit

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Operating MarginProfitability
27.6%8/10

Strong operational efficiency at 27.6%

EPS GrowthGrowth
30.6%8/10

Earnings expanding 30.6% YoY

Areas to Watch

DBD4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
1.7%4/10

1.7% revenue growth

Altman Z-ScoreHealth
1.574/10

Distress zone — elevated risk

Profit MarginProfitability
2.9%3/10

2.9% margin — thin

Debt/EquityHealth
1.143/10

Elevated debt levels

SAP2 concerns · Avg: 3.0/10
P/E RatioValuation
28.2x4/10

Moderate valuation

Price/BookValuation
72.8x2/10

Trading at 72.8x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : DBD

The strongest argument for DBD centers on Price/Book, 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%. PEG of 1.17 suggests the stock is reasonably priced for its growth.

Bear Case : DBD

The primary concerns for DBD are Revenue Growth, Altman Z-Score, Profit Margin. Thin 2.9% margins leave little buffer for downturns.

Bear Case : SAP

The primary concerns for SAP are P/E Ratio, Price/Book.

Key Dynamics to Monitor

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

DBD carries more volatility with a beta of 1.19 — 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 54/100), 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.

Diebold Nixdorf, Incorporated

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Diebold Nixdorf, Incorporated provides connected commerce solutions to financial institutions and retailers in Western Europe, Eastern Europe, Asia, the Middle East, Africa, the United States, Canada, Mexico and Latin America. The company is headquartered in North Canton, Ohio.

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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