WallStSmart

Phunware Inc (PHUN)vsSAP SE ADR (SAP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 1388195% more annual revenue ($38.19B vs $2.75M). SAP leads profitability with a 20.4% profit margin vs 0.0%. SAP earns a higher WallStSmart Score of 64/100 (C+).

PHUN

Avoid

34

out of 100

Grade: F

Growth: 5.3Profit: 2.5Value: 5.0Quality: 6.5
Piotroski: 2/9Altman Z: -0.74

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 PHUN.

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

PHUN3 strengths · Avg: 10.0/10
Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
75.6%10/10

Revenue surging 75.6% year-over-year

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

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

PHUN4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$40.72M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

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 : PHUN

The strongest argument for PHUN centers on Price/Book, Revenue Growth, Debt/Equity. Revenue growth of 75.6% demonstrates continued momentum.

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 : PHUN

The primary concerns for PHUN are EPS Growth, Market Cap, Profit Margin.

Bear Case : SAP

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

Key Dynamics to Monitor

PHUN profiles as a hypergrowth stock while SAP is a mature play — different risk/reward profiles.

PHUN carries more volatility with a beta of 2.64 — expect wider price swings.

PHUN is growing revenue faster at 75.6% — 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 34/100), 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.

Phunware Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Phunware, Inc. provides an integrated software platform that equips companies with the products, solutions and services to engage, manage and monetize their mobile application portfolios globally. The company is headquartered in Austin, Texas.

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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