WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 951% more annual revenue ($37.34B vs $3.55B). SAP leads profitability with a 19.6% profit margin vs 10.7%. GRAB appears more attractively valued with a PEG of 0.86. GRAB earns a higher WallStSmart Score of 64/100 (C+).

GRAB

Buy

64

out of 100

Grade: C+

Growth: 9.3Profit: 4.5Value: 5.0Quality: 5.5
Piotroski: 3/9Altman Z: -0.54

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

Intrinsic value data unavailable for GRAB.

SAPSignificantly Overvalued (-34.8%)

Margin of Safety

-34.8%

Fair Value

$145.80

Current Price

$149.51

$3.71 premium

UndervaluedFair: $145.80Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GRAB5 strengths · Avg: 8.2/10
Debt/EquityHealth
0.309/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.868/10

Growing faster than its price suggests

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
23.5%8/10

Revenue surging 23.5% year-over-year

EPS GrowthGrowth
41.0%8/10

Earnings expanding 41.0% YoY

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

GRAB4 concerns · Avg: 2.8/10
Return on EquityProfitability
5.8%3/10

ROE of 5.8% — below average capital efficiency

Operating MarginProfitability
2.7%3/10

Operating margin of 2.7%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

P/E RatioValuation
82.5x2/10

Premium valuation, high expectations priced in

SAP0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : GRAB

The strongest argument for GRAB centers on Debt/Equity, PEG Ratio, Price/Book. Revenue growth of 23.5% demonstrates continued momentum. PEG of 0.86 suggests the stock is reasonably priced for its growth.

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 : GRAB

The primary concerns for GRAB are Return on Equity, Operating Margin, Piotroski F-Score. A P/E of 82.5x leaves little room for execution misses.

Bear Case : SAP

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

Key Dynamics to Monitor

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

GRAB carries more volatility with a beta of 0.89 — expect wider price swings.

GRAB is growing revenue faster at 23.5% — sustainability is the question.

SAP generates stronger free cash flow (3.3B), providing more financial flexibility.

Bottom Line

GRAB scores higher overall (64/100 vs 59/100) and 23.5% 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 platform in Southeast Asia, providing comprehensive services in ride-hailing, food delivery, and digital payment solutions. Founded in 2012, Grab has quickly established a robust presence in the region, serving millions of urban consumers while prioritizing innovation and sustainability. The company's continuous investment in strategic partnerships and advanced technology enhances its service offerings and operational efficiency. As Grab evolves its service portfolio and expands geographically, it is well-positioned to capitalize on the growing demand for integrated consumer solutions within 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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