SAP SE ADR (SAP)vsTyler Technologies Inc (TYL)
SAP
SAP SE ADR
$209.22
-0.11%
TECHNOLOGY · Cap: $241.75B
TYL
Tyler Technologies Inc
$332.46
-1.49%
TECHNOLOGY · Cap: $13.82B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 1472% more annual revenue ($38.19B vs $2.43B). SAP leads profitability with a 20.4% profit margin vs 13.4%. TYL appears more attractively valued with a PEG of 1.55. SAP earns a higher WallStSmart Score of 64/100 (C+).
SAP
Buy64
out of 100
Grade: C+
TYL
Buy53
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-29.9%
Fair Value
$151.18
Current Price
$209.22
$58.04 premium
Margin of Safety
+2.2%
Fair Value
$347.00
Current Price
$332.46
$14.54 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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 27.6%
Earnings expanding 30.6% YoY
No standout strengths identified
Areas to Watch
Expensive relative to growth rate
Moderate valuation
Trading at 65.8x book value
Expensive relative to growth rate
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : TYL
TYL has a balanced fundamental profile.
Bear Case : SAP
The primary concerns for SAP are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : TYL
The primary concerns for TYL are PEG Ratio, P/E Ratio. A P/E of 44.5x 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 0.83 — expect wider price swings.
SAP is growing revenue faster at 9.4% — 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 53/100), backed by strong 20.4% 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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