WallStSmart

Nerdy Inc (NRDY)vsSAP SE ADR (SAP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 21345% more annual revenue ($38.19B vs $178.10M). SAP leads profitability with a 20.4% profit margin vs -17.0%. SAP earns a higher WallStSmart Score of 64/100 (C+).

NRDY

Avoid

20

out of 100

Grade: F

Growth: 3.3Profit: 2.0Value: 5.0Quality: 4.5
Piotroski: 2/9Altman Z: -10.39

SAP

Buy

64

out of 100

Grade: C+

Growth: 7.3Profit: 8.5Value: 4.0Quality: 8.0
Piotroski: 6/9Altman Z: 3.11
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for NRDY.

SAPSignificantly Overvalued (-29.9%)

Margin of Safety

-29.9%

Fair Value

$151.18

Current Price

$213.66

$62.48 premium

UndervaluedFair: $151.18Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NRDY0 strengths · Avg: 0/10

No standout strengths identified

SAP6 strengths · Avg: 9.0/10
Market CapQuality
$248.28B10/10

Mega-cap, among the largest globally

Altman Z-ScoreHealth
3.1110/10

Safe zone — low bankruptcy risk

Profit MarginProfitability
20.4%9/10

Keeps 20 of every $100 in revenue as profit

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Operating MarginProfitability
27.6%8/10

Strong operational efficiency at 27.6%

EPS GrowthGrowth
30.6%8/10

Earnings expanding 30.6% YoY

Areas to Watch

NRDY4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$621.18M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.133/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

SAP3 concerns · Avg: 3.3/10
PEG RatioValuation
1.644/10

Expensive relative to growth rate

P/E RatioValuation
27.8x4/10

Moderate valuation

Price/BookValuation
67.2x2/10

Trading at 67.2x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : NRDY

NRDY has a balanced fundamental profile.

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 27.6%.

Bear Case : NRDY

The primary concerns for NRDY are EPS Growth, Market Cap, Debt/Equity.

Bear Case : SAP

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

Key Dynamics to Monitor

NRDY profiles as a turnaround stock while SAP is a mature play — different risk/reward profiles.

NRDY carries more volatility with a beta of 1.71 — expect wider price swings.

SAP is growing revenue faster at 9.4% — sustainability is the question.

SAP generates stronger free cash flow (3.0B), providing more financial flexibility.

Bottom Line

SAP scores higher overall (64/100 vs 20/100), backed by strong 20.4% margins. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Nerdy Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Nerdy Inc. is a prominent player in the online education sector, primarily known for its flagship platform, Varsity Tutors, which delivers personalized learning experiences through innovative technology. The company offers a diverse range of educational services, including one-on-one tutoring and small group classes, tailored to various subjects and academic levels. With a strong emphasis on data analytics to enhance learning efficacy, Nerdy Inc. is well-positioned to capitalize on the expanding online education landscape. Committed to improving accessibility and empowering students, the company is poised to significantly influence the future of education.

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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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