WallStSmart

Grab Holdings Ltd (GRAB)vsSAP SE ADR (SAP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 992% more annual revenue ($36.80B vs $3.37B). SAP leads profitability with a 19.5% profit margin vs 8.0%. GRAB appears more attractively valued with a PEG of 0.53. SAP earns a higher WallStSmart Score of 58/100 (C).

GRAB

Buy

58

out of 100

Grade: C

Growth: 9.3Profit: 4.5Value: 4.7Quality: 4.8
Piotroski: 5/9Altman Z: -0.37

SAP

Buy

58

out of 100

Grade: C

Growth: 5.3Profit: 8.5Value: 7.3Quality: 8.0
Piotroski: 6/9Altman Z: 3.09
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

GRABSignificantly Overvalued (-50.5%)

Margin of Safety

-50.5%

Fair Value

$2.81

Current Price

$3.73

$0.92 premium

UndervaluedFair: $2.81Overvalued
SAPSignificantly Overvalued (-88.8%)

Margin of Safety

-88.8%

Fair Value

$104.04

Current Price

$168.95

$64.91 premium

UndervaluedFair: $104.04Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GRAB4 strengths · Avg: 8.0/10
PEG RatioValuation
0.538/10

Growing faster than its price suggests

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
18.6%8/10

18.6% revenue growth

EPS GrowthGrowth
41.0%8/10

Earnings expanding 41.0% YoY

SAP6 strengths · Avg: 8.8/10
Market CapQuality
$217.55B10/10

Mega-cap, among the largest globally

Altman Z-ScoreHealth
3.0910/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.798/10

Growing faster than its price suggests

Operating MarginProfitability
29.2%8/10

Strong operational efficiency at 29.2%

Free Cash FlowQuality
$1.09B8/10

Generating 1.1B in free cash flow

Areas to Watch

GRAB4 concerns · Avg: 2.5/10
Return on EquityProfitability
3.0%3/10

ROE of 3.0% — below average capital efficiency

Profit MarginProfitability
8.0%3/10

8.0% margin — thin

P/E RatioValuation
63.2x2/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
-0.372/10

Distress zone — elevated risk

SAP2 concerns · Avg: 4.0/10
P/E RatioValuation
26.3x4/10

Moderate valuation

Revenue GrowthGrowth
3.3%4/10

3.3% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : GRAB

The strongest argument for GRAB centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 18.6% demonstrates continued momentum. PEG of 0.53 suggests the stock is reasonably priced for its growth.

Bull Case : SAP

The strongest argument for SAP centers on Market Cap, Altman Z-Score, Debt/Equity. Profitability is solid with margins at 19.5% and operating margin at 29.2%. PEG of 0.79 suggests the stock is reasonably priced for its growth.

Bear Case : GRAB

The primary concerns for GRAB are Return on Equity, Profit Margin, P/E Ratio. A P/E of 63.2x leaves little room for execution misses.

Bear Case : SAP

The primary concerns for SAP are P/E Ratio, Revenue Growth.

Key Dynamics to Monitor

GRAB profiles as a growth stock while SAP is a value play — different risk/reward profiles.

GRAB carries more volatility with a beta of 0.96 — expect wider price swings.

GRAB is growing revenue faster at 18.6% — sustainability is the question.

SAP generates stronger free cash flow (1.1B), providing more financial flexibility.

Bottom Line

GRAB scores higher overall (58/100 vs 58/100) and 18.6% revenue growth. 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.

Grab Holdings Ltd

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Grab Holdings Ltd is a leading technology company in Southeast Asia, recognized for its extensive range of services spanning ride-hailing, food delivery, and digital payments. Founded in 2012, Grab has swiftly expanded its operations to cater to urban mobility and convenience for millions of users across the region. The company is committed to innovation and sustainability, leveraging strategic partnerships and technology investments to enhance its platform. As Grab continues to diversify its service offerings and expand its geographic footprint, it is well-positioned to capitalize on the growing demand for integrated consumer services in the dynamic Southeast Asian digital economy.

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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