WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 39594% more annual revenue ($37.34B vs $94.08M). SAP leads profitability with a 19.6% profit margin vs 14.8%. SAP appears more attractively valued with a PEG of 1.44. SAP earns a higher WallStSmart Score of 59/100 (C).

DJCO

Buy

57

out of 100

Grade: C

Growth: 8.7Profit: 5.5Value: 2.0Quality: 9.0
Piotroski: 5/9Altman Z: 4.65

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

DJCOSignificantly Overvalued (-87.3%)

Margin of Safety

-87.3%

Fair Value

$297.93

Current Price

$519.41

$221.48 premium

UndervaluedFair: $297.93Overvalued
SAPSignificantly Overvalued (-34.7%)

Margin of Safety

-34.7%

Fair Value

$145.83

Current Price

$184.77

$38.94 premium

UndervaluedFair: $145.83Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DJCO5 strengths · Avg: 9.2/10
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
2.1x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
25.0%8/10

Revenue surging 25.0% year-over-year

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

DJCO4 concerns · Avg: 2.5/10
Market CapQuality
$715.60M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.0%3/10

ROE of 4.0% — below average capital efficiency

PEG RatioValuation
4.322/10

Expensive relative to growth rate

P/E RatioValuation
51.2x2/10

Premium valuation, high expectations priced in

SAP0 concerns · Avg: 0/10

No major concerns identified

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 25.0% 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 : DJCO

The primary concerns for DJCO are Market Cap, Return on Equity, PEG Ratio. A P/E of 51.2x leaves little room for execution misses.

Bear Case : SAP

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

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 0.86 — expect wider price swings.

DJCO is growing revenue faster at 25.0% — 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 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.

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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