NetSol Technologies Inc (NTWK)vsSAP SE ADR (SAP)
NTWK
NetSol Technologies Inc
$3.39
-1.45%
TECHNOLOGY · Cap: $41.36M
SAP
SAP SE ADR
$168.95
-1.20%
TECHNOLOGY · Cap: $217.55B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 52642% more annual revenue ($36.80B vs $69.77M). SAP leads profitability with a 19.5% profit margin vs 2.7%. NTWK appears more attractively valued with a PEG of 0.35. NTWK earns a higher WallStSmart Score of 65/100 (C+).
NTWK
Buy65
out of 100
Grade: C+
SAP
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+57.7%
Fair Value
$7.49
Current Price
$3.39
$4.10 discount
Margin of Safety
-88.8%
Fair Value
$104.04
Current Price
$168.95
$64.91 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 21.1% year-over-year
Mega-cap, among the largest globally
Safe zone — low bankruptcy risk
Conservative balance sheet, low leverage
Growing faster than its price suggests
Strong operational efficiency at 29.2%
Generating 1.1B in free cash flow
Areas to Watch
3.2% earnings growth
Smaller company, higher risk/reward
2.7% margin — thin
Negative free cash flow — burning cash
Moderate valuation
3.3% revenue growth
Comparative Analysis Report
WallStSmart ResearchBull Case : NTWK
The strongest argument for NTWK centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 21.1% demonstrates continued momentum. PEG of 0.35 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 : NTWK
The primary concerns for NTWK are EPS Growth, Market Cap, Profit Margin. Thin 2.7% margins leave little buffer for downturns.
Bear Case : SAP
The primary concerns for SAP are P/E Ratio, Revenue Growth.
Key Dynamics to Monitor
NTWK profiles as a growth stock while SAP is a value play — different risk/reward profiles.
NTWK carries more volatility with a beta of 0.90 — expect wider price swings.
NTWK is growing revenue faster at 21.1% — sustainability is the question.
SAP generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
NTWK scores higher overall (65/100 vs 58/100) and 21.1% 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.
NetSol Technologies Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
NetSol Technologies, Inc. designs, develops, markets and exports software products to the global auto finance and leasing, banking and financial services industries. The company is headquartered in Calabasas, 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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