SAP SE ADR (SAP)vsTyler Technologies Inc (TYL)
SAP
SAP SE ADR
$171.10
-3.96%
TECHNOLOGY · Cap: $217.55B
TYL
Tyler Technologies Inc
$338.27
-3.10%
TECHNOLOGY · Cap: $15.05B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 1478% more annual revenue ($36.80B vs $2.33B). SAP leads profitability with a 19.5% profit margin vs 13.5%. SAP appears more attractively valued with a PEG of 0.79. SAP earns a higher WallStSmart Score of 58/100 (C).
SAP
Buy58
out of 100
Grade: C
TYL
Hold49
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-88.8%
Fair Value
$104.04
Current Price
$171.10
$67.06 premium
Margin of Safety
-449.7%
Fair Value
$61.72
Current Price
$338.27
$276.55 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Safe zone — low bankruptcy risk
Conservative balance sheet, low leverage
Growing faster than its price suggests
Strong operational efficiency at 29.2%
Generating 1.1B in free cash flow
Earnings expanding 110.0% YoY
Areas to Watch
Moderate valuation
3.3% revenue growth
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, 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.
Bull Case : TYL
The strongest argument for TYL centers on EPS Growth.
Bear Case : SAP
The primary concerns for SAP are P/E Ratio, Revenue Growth.
Bear Case : TYL
The primary concerns for TYL are PEG Ratio, P/E Ratio. A P/E of 48.6x leaves little room for execution misses.
Key Dynamics to Monitor
TYL carries more volatility with a beta of 0.93 — expect wider price swings.
TYL is growing revenue faster at 6.3% — 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 49/100), 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.
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.
Compare with Other SOFTWARE - APPLICATION Stocks
Want to dig deeper into these stocks?