SAP SE ADR (SAP)vsTyler Technologies Inc (TYL)
SAP
SAP SE ADR
$206.16
+3.36%
TECHNOLOGY · Cap: $208.77B
TYL
Tyler Technologies Inc
$312.45
+2.00%
TECHNOLOGY · Cap: $12.68B
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 1.49. SAP earns a higher WallStSmart Score of 64/100 (C+).
SAP
Buy64
out of 100
Grade: C+
TYL
Buy55
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-30.4%
Fair Value
$150.68
Current Price
$206.16
$55.48 premium
Margin of Safety
+2.6%
Fair Value
$348.17
Current Price
$312.45
$35.72 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
Strong operational efficiency at 27.6%
Earnings expanding 30.6% YoY
Generating 3.0B in free cash flow
Conservative balance sheet, low leverage
Areas to Watch
Expensive relative to growth rate
Trading at 65.9x book value
ROE of 5.6% — below average capital efficiency
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
The strongest argument for TYL centers on Debt/Equity. PEG of 1.49 suggests the stock is reasonably priced for its growth.
Bear Case : SAP
The primary concerns for SAP are PEG Ratio, Price/Book.
Bear Case : TYL
The primary concerns for TYL are Return on Equity, P/E Ratio. A P/E of 40.6x 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 0.82 — 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 55/100), 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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