WallStSmart

MIND CTI Ltd (MNDO)vsSAP SE ADR (SAP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 186041% more annual revenue ($36.80B vs $19.77M). SAP leads profitability with a 19.5% profit margin vs 14.6%. SAP appears more attractively valued with a PEG of 0.79. SAP earns a higher WallStSmart Score of 58/100 (C).

MNDO

Hold

43

out of 100

Grade: D

Growth: 2.0Profit: 6.0Value: 8.0Quality: 5.0

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

MNDOOvervalued (-10.8%)

Margin of Safety

-10.8%

Fair Value

$1.02

Current Price

$1.18

$0.16 premium

UndervaluedFair: $1.02Overvalued
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

MNDO2 strengths · Avg: 10.0/10
P/E RatioValuation
8.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

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

MNDO4 concerns · Avg: 2.8/10
PEG RatioValuation
2.234/10

Expensive relative to growth rate

Market CapQuality
$24.64M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-7.4%2/10

Revenue declined 7.4%

EPS GrowthGrowth
-25.0%2/10

Earnings declined 25.0%

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 : MNDO

The strongest argument for MNDO centers on P/E Ratio, Price/Book.

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 : MNDO

The primary concerns for MNDO are PEG Ratio, Market Cap, Revenue Growth.

Bear Case : SAP

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

Key Dynamics to Monitor

MNDO profiles as a declining stock while SAP is a value play — different risk/reward profiles.

SAP carries more volatility with a beta of 0.69 — expect wider price swings.

SAP is growing revenue faster at 3.3% — sustainability is the question.

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

Bottom Line

SAP scores higher overall (58/100 vs 43/100), backed by strong 19.5% margins. 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.

MIND CTI Ltd

TECHNOLOGY · SOFTWARE - APPLICATION · USA

MIND CTI Ltd. designs, develops, markets, supports, implements and operates offline and real-time customer support and converged billing software solutions in the Americas, Europe, Israel, Asia Pacific and Africa. The company is headquartered in Yokne'am Illit, Israel.

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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