NetSol Technologies Inc (NTWK)vsSAP SE ADR (SAP)
NTWK
NetSol Technologies Inc
$7.76
-6.28%
TECHNOLOGY · Cap: $93.95M
SAP
SAP SE ADR
$236.93
+0.48%
TECHNOLOGY · Cap: $272.16B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 52860% more annual revenue ($39.39B vs $74.37M). SAP leads profitability with a 20.4% profit margin vs 4.0%. NTWK appears more attractively valued with a PEG of 0.35. NTWK earns a higher WallStSmart Score of 66/100 (B-).
NTWK
Strong Buy66
out of 100
Grade: B-
SAP
Buy60
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for NTWK.
Margin of Safety
-25.6%
Fair Value
$156.37
Current Price
$236.93
$80.56 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 21.6%
Earnings expanding 45.6% YoY
Mega-cap, among the largest globally
Safe zone — low bankruptcy risk
Keeps 20 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Generating 1.7B in free cash flow
Areas to Watch
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
4.0% margin — thin
Weak financial health signals
Expensive relative to growth rate
Moderate valuation
Trading at 74.3x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : NTWK
The strongest argument for NTWK centers on PEG Ratio, Debt/Equity, Price/Book. Revenue growth of 12.5% 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, Profit Margin. Profitability is solid with margins at 20.4% and operating margin at 29.5%. Revenue growth of 13.2% demonstrates continued momentum.
Bear Case : NTWK
The primary concerns for NTWK are P/E Ratio, Market Cap, Profit Margin. Thin 4.0% margins leave little buffer for downturns.
Bear Case : SAP
The primary concerns for SAP are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
NTWK profiles as a value stock while SAP is a mature play — different risk/reward profiles.
NTWK carries more volatility with a beta of 0.94 — expect wider price swings.
SAP is growing revenue faster at 13.2% — sustainability is the question.
SAP generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
NTWK scores higher overall (66/100 vs 60/100) and 12.5% revenue growth. Both earn "Strong 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.
Visit Website →Compare with Other SOFTWARE - APPLICATION Stocks
Want to dig deeper into these stocks?