WallStSmart

SAP SE ADR (SAP)vsUpland Software Inc (UPLD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 18394% more annual revenue ($37.34B vs $201.91M). SAP leads profitability with a 19.6% profit margin vs -7.1%. UPLD appears more attractively valued with a PEG of 1.25. SAP earns a higher WallStSmart Score of 59/100 (C).

SAP

Buy

59

out of 100

Grade: C

Growth: 6.0Profit: 8.5Value: 4.7Quality: 6.8
Piotroski: 6/9Altman Z: 3.11

UPLD

Hold

36

out of 100

Grade: F

Growth: 2.7Profit: 4.0Value: 5.3Quality: 3.0
Piotroski: 4/9Altman Z: -1.74
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

SAPSignificantly Overvalued (-34.8%)

Margin of Safety

-34.8%

Fair Value

$145.80

Current Price

$148.06

$2.26 premium

UndervaluedFair: $145.80Overvalued

Intrinsic value data unavailable for UPLD.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SAP4 strengths · Avg: 9.3/10
Operating MarginProfitability
30.0%10/10

Strong operational efficiency at 30.0%

Altman Z-ScoreHealth
3.1110/10

Safe zone — low bankruptcy risk

Market CapQuality
$179.08B9/10

Large-cap with strong market position

Free Cash FlowQuality
$3.27B8/10

Generating 3.3B in free cash flow

UPLD0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

SAP0 concerns · Avg: 0/10

No major concerns identified

UPLD4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$14.09M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-18.3%2/10

ROE of -18.3% — below average capital efficiency

Revenue GrowthGrowth
-23.5%2/10

Revenue declined 23.5%

Comparative Analysis Report

WallStSmart Research

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 1.35 suggests the stock is reasonably priced for its growth.

Bull Case : UPLD

PEG of 1.25 suggests the stock is reasonably priced for its growth.

Bear Case : SAP

No major red flags identified for SAP, but monitor valuation.

Bear Case : UPLD

The primary concerns for UPLD are EPS Growth, Market Cap, Return on Equity. Debt-to-equity of 2.95 is elevated, increasing financial risk.

Key Dynamics to Monitor

SAP profiles as a mature stock while UPLD is a turnaround play — different risk/reward profiles.

UPLD carries more volatility with a beta of 1.36 — expect wider price swings.

SAP is growing revenue faster at 6.0% — sustainability is the question.

SAP generates stronger free cash flow (3.3B), providing more financial flexibility.

Bottom Line

SAP scores higher overall (59/100 vs 36/100), backed by strong 19.6% 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.

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Upland Software Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Upland Software, Inc. offers cloud-based enterprise work management software in the United States, the United Kingdom, Canada, and internationally. The company is headquartered in Austin, Texas.

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