WallStSmart

Pattern Group Inc. Series A Common Stock (PTRN)vsSAP SE ADR (SAP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 1371% more annual revenue ($36.80B vs $2.50B). PTRN leads profitability with a 65.0% profit margin vs 19.5%. SAP earns a higher WallStSmart Score of 58/100 (C).

PTRN

Hold

47

out of 100

Grade: D+

Growth: 9.3Profit: 5.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 5.46

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

Intrinsic value data unavailable for PTRN.

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

PTRN5 strengths · Avg: 9.6/10
Profit MarginProfitability
65.0%10/10

Keeps 65 of every $100 in revenue as profit

Revenue GrowthGrowth
40.3%10/10

Revenue surging 40.3% year-over-year

Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
5.4610/10

Safe zone — low bankruptcy risk

EPS GrowthGrowth
24.4%8/10

Earnings expanding 24.4% YoY

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

PTRN3 concerns · Avg: 3.0/10
Return on EquityProfitability
3.4%3/10

ROE of 3.4% — below average capital efficiency

Operating MarginProfitability
3.6%3/10

Operating margin of 3.6%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 : PTRN

The strongest argument for PTRN centers on Profit Margin, Revenue Growth, Debt/Equity. Profitability is solid with margins at 65.0% and operating margin at 3.6%. Revenue growth of 40.3% demonstrates continued momentum.

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 : PTRN

The primary concerns for PTRN are Return on Equity, Operating Margin, Piotroski F-Score.

Bear Case : SAP

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

Key Dynamics to Monitor

PTRN profiles as a growth stock while SAP is a value play — different risk/reward profiles.

PTRN is growing revenue faster at 40.3% — sustainability is the question.

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

Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SAP scores higher overall (58/100 vs 47/100), 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.

Pattern Group Inc. Series A Common Stock

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Pattern Group Inc. operates online marketplaces that sell various consumer products. The company is headquartered in Lehi, Utah.

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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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