SAP SE ADR (SAP)vsTyler Technologies Inc (TYL)
SAP
SAP SE ADR
$173.70
-0.58%
TECHNOLOGY · Cap: $204.11B
TYL
Tyler Technologies Inc
$324.58
-1.96%
TECHNOLOGY · Cap: $13.96B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 1469% more annual revenue ($37.34B vs $2.38B). SAP leads profitability with a 19.6% profit margin vs 13.3%. SAP appears more attractively valued with a PEG of 0.73. SAP earns a higher WallStSmart Score of 62/100 (C+).
SAP
Buy62
out of 100
Grade: C+
TYL
Buy51
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-16.9%
Fair Value
$168.01
Current Price
$173.70
$5.69 premium
Margin of Safety
+9.0%
Fair Value
$372.75
Current Price
$324.58
$48.17 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Strong operational efficiency at 30.0%
Safe zone — low bankruptcy risk
Conservative balance sheet, low leverage
Growing faster than its price suggests
Generating 3.3B in free cash flow
No standout strengths identified
Areas to Watch
No major concerns identified
Expensive relative to growth rate
2.2% earnings growth
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : SAP
The strongest argument for SAP centers on Market Cap, Operating Margin, Altman Z-Score. Profitability is solid with margins at 19.6% and operating margin at 30.0%. PEG of 0.73 suggests the stock is reasonably priced for its growth.
Bull Case : TYL
TYL has a balanced fundamental profile.
Bear Case : SAP
No major red flags identified for SAP, but monitor valuation.
Bear Case : TYL
The primary concerns for TYL are PEG Ratio, EPS Growth, P/E Ratio. A P/E of 45.7x leaves little room for execution misses.
Key Dynamics to Monitor
SAP profiles as a mature stock while TYL is a value play — different risk/reward profiles.
TYL carries more volatility with a beta of 0.86 — expect wider price swings.
TYL is growing revenue faster at 8.6% — sustainability is the question.
SAP generates stronger free cash flow (3.3B), providing more financial flexibility.
Bottom Line
SAP scores higher overall (62/100 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.
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 →Tyler Technologies Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Tyler Technologies, Inc., based in Plano, Texas, is the largest provider of software to the United States public sector.
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