WallStSmart

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

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Smart Verdict

WallStSmart Research — data-driven comparison

SAP SE ADR generates 19221% more annual revenue ($38.19B vs $197.67M). SAP leads profitability with a 20.4% profit margin vs -18.5%. UPLD appears more attractively valued with a PEG of 1.25. SAP earns a higher WallStSmart Score of 64/100 (C+).

SAP

Buy

64

out of 100

Grade: C+

Growth: 7.3Profit: 8.5Value: 4.0Quality: 8.0
Piotroski: 6/9Altman Z: 3.11

UPLD

Hold

36

out of 100

Grade: F

Growth: 2.7Profit: 4.0Value: 5.3Quality: 5.0
Piotroski: 4/9Altman Z: -1.74
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

SAPSignificantly Overvalued (-29.9%)

Margin of Safety

-29.9%

Fair Value

$151.18

Current Price

$210.68

$59.50 premium

UndervaluedFair: $151.18Overvalued

Intrinsic value data unavailable for UPLD.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SAP6 strengths · Avg: 9.0/10
Market CapQuality
$241.75B10/10

Mega-cap, among the largest globally

Altman Z-ScoreHealth
3.1110/10

Safe zone — low bankruptcy risk

Profit MarginProfitability
20.4%9/10

Keeps 20 of every $100 in revenue as profit

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Operating MarginProfitability
27.6%8/10

Strong operational efficiency at 27.6%

EPS GrowthGrowth
30.6%8/10

Earnings expanding 30.6% YoY

UPLD1 strengths · Avg: 10.0/10
Debt/EquityHealth
-2.5210/10

Conservative balance sheet, low leverage

Areas to Watch

SAP3 concerns · Avg: 3.3/10
PEG RatioValuation
1.604/10

Expensive relative to growth rate

P/E RatioValuation
27.3x4/10

Moderate valuation

Price/BookValuation
66.3x2/10

Trading at 66.3x book value

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

0.0% earnings growth

Market CapQuality
$10.85M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-18.3%2/10

ROE of -18.3% — below average capital efficiency

Revenue GrowthGrowth
-7.9%2/10

Revenue declined 7.9%

Comparative Analysis Report

WallStSmart Research

Bull 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 : UPLD

The strongest argument for UPLD centers on Debt/Equity. PEG of 1.25 suggests the stock is reasonably priced for its growth.

Bear Case : SAP

The primary concerns for SAP are PEG Ratio, P/E Ratio, Price/Book.

Bear Case : UPLD

The primary concerns for UPLD are EPS Growth, Market Cap, Return on Equity.

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 1.43 — 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 36/100), backed by strong 20.4% 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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