WallStSmart

Daily Journal Corp (DJCO)vsSAP SE ADR (SAP)

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Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 40237% more annual revenue ($39.39B vs $97.64M). SAP leads profitability with a 20.4% profit margin vs -11.6%. SAP appears more attractively valued with a PEG of 1.84. SAP earns a higher WallStSmart Score of 60/100 (C).

DJCO

Hold

47

out of 100

Grade: D+

Growth: 8.7Profit: 4.0Value: 3.0Quality: 9.0
Piotroski: 5/9Altman Z: 4.65

SAP

Buy

60

out of 100

Grade: C

Growth: 6.0Profit: 8.5Value: 4.0Quality: 8.0
Piotroski: 6/9Altman Z: 3.10
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DJCOSignificantly Overvalued (-74.1%)

Margin of Safety

-74.1%

Fair Value

$320.57

Current Price

$628.67

$308.10 premium

UndervaluedFair: $320.57Overvalued
SAPSignificantly Overvalued (-25.6%)

Margin of Safety

-25.6%

Fair Value

$156.37

Current Price

$236.93

$80.56 premium

UndervaluedFair: $156.37Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DJCO6 strengths · Avg: 9.0/10
EPS GrowthGrowth
57.6%10/10

Earnings expanding 57.6% YoY

Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.6510/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Operating MarginProfitability
22.2%8/10

Strong operational efficiency at 22.2%

Revenue GrowthGrowth
15.3%8/10

15.3% revenue growth

SAP6 strengths · Avg: 9.0/10
Market CapQuality
$272.16B10/10

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
0.239/10

Conservative balance sheet, low leverage

Operating MarginProfitability
29.5%8/10

Strong operational efficiency at 29.5%

Free Cash FlowQuality
$1.71B8/10

Generating 1.7B in free cash flow

Areas to Watch

DJCO4 concerns · Avg: 2.0/10
Market CapQuality
$787.15M3/10

Smaller company, higher risk/reward

PEG RatioValuation
4.322/10

Expensive relative to growth rate

Return on EquityProfitability
-3.4%2/10

ROE of -3.4% — below average capital efficiency

Profit MarginProfitability
-11.6%1/10

Currently unprofitable

SAP3 concerns · Avg: 3.3/10
PEG RatioValuation
1.844/10

Expensive relative to growth rate

P/E RatioValuation
29.4x4/10

Moderate valuation

Price/BookValuation
74.3x2/10

Trading at 74.3x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : DJCO

The strongest argument for DJCO centers on EPS Growth, Debt/Equity, Altman Z-Score. Revenue growth of 15.3% demonstrates continued momentum.

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 29.5%. Revenue growth of 13.2% demonstrates continued momentum.

Bear Case : DJCO

The primary concerns for DJCO are Market Cap, PEG Ratio, Return on Equity.

Bear Case : SAP

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

Key Dynamics to Monitor

DJCO profiles as a growth stock while SAP is a mature play — different risk/reward profiles.

DJCO carries more volatility with a beta of 0.83 — expect wider price swings.

DJCO is growing revenue faster at 15.3% — sustainability is the question.

SAP generates stronger free cash flow (1.7B), providing more financial flexibility.

Bottom Line

SAP scores higher overall (60/100 vs 47/100), backed by strong 20.4% margins and 13.2% revenue growth. 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.

Daily Journal Corp

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Daily Journal Corporation publishes newspapers and websites covering California, Arizona, and Utah. The company is headquartered in Los Angeles, 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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