Q2 Holdings (QTWO)vsSAP SE ADR (SAP)
QTWO
Q2 Holdings
$60.42
+1.99%
TECHNOLOGY · Cap: $3.48B
SAP
SAP SE ADR
$185.99
+3.81%
TECHNOLOGY · Cap: $187.50B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 4445% more annual revenue ($37.34B vs $821.58M). SAP leads profitability with a 19.6% profit margin vs 9.0%. SAP appears more attractively valued with a PEG of 1.39. SAP earns a higher WallStSmart Score of 59/100 (C).
QTWO
Buy51
out of 100
Grade: C-
SAP
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for QTWO.
Margin of Safety
-34.9%
Fair Value
$145.64
Current Price
$185.99
$40.35 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 471.4% YoY
Strong operational efficiency at 30.0%
Safe zone — low bankruptcy risk
Large-cap with strong market position
Generating 3.0B in free cash flow
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Distress zone — elevated risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : QTWO
The strongest argument for QTWO centers on EPS Growth. Revenue growth of 14.1% demonstrates continued momentum.
Bull Case : SAP
The strongest argument for SAP centers on Operating Margin, Altman Z-Score, Market Cap. Profitability is solid with margins at 19.6% and operating margin at 30.0%. PEG of 1.39 suggests the stock is reasonably priced for its growth.
Bear Case : QTWO
The primary concerns for QTWO are PEG Ratio, P/E Ratio, Altman Z-Score. A P/E of 49.2x leaves little room for execution misses.
Bear Case : SAP
No major red flags identified for SAP, but monitor valuation.
Key Dynamics to Monitor
QTWO profiles as a value stock while SAP is a mature play — different risk/reward profiles.
QTWO carries more volatility with a beta of 1.33 — expect wider price swings.
QTWO is growing revenue faster at 14.1% — sustainability is the question.
SAP generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
SAP scores higher overall (59/100 vs 51/100), backed by strong 19.6% margins. 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.
Q2 Holdings
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Q2 Holdings, Inc. provides cloud-based digital banking solutions to Community and Regional Financial Institutions (RCFIs) in the United States. 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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