SAP vs. TWLO: SAP vs. Twilio Stock Comparison
How do SAP (SAP) and Twilio (TWLO) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
SAP (SAP) and Twilio (TWLO) both fall under the Software & Services industry group, but SAP is classified in Software while TWLO is classified in IT Services.
Twilio (TWLO) trades as ordinary local shares, while SAP (SAP) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | SAP | TWLO |
|---|---|---|
| Name | SAP SE Sponsored ADR | Twilio Inc. Class A Common Stock |
| Country/Region | Germany | United States |
| GICS Sector | Information Technology | Information Technology |
| GICS Industry Group | Software & Services | Software & Services |
| GICS Industry | Software | IT Services |
| GICS Sub-Industry | Application Software | Internet Services & Infrastructure |
| Market Capitalization | 269.45 billion USD | 31.26 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 18, 1995 | June 23, 2016 |
| Security Type | ADR | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | SAP | TWLO |
|---|---|---|
| Total Return (1Y) | -3.87% | 61.15% |
| Total Return (3Y, Annualized) | 20.21% | 54.31% |
| Total Return (5Y, Annualized) | 11.79% | -7.91% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | SAP | TWLO |
|---|---|---|
| Volatility (1Y, Annualized) | 39.05% | 63.75% |
| Beta (5Y) | 1.09 | 1.48 |
| Max Drawdown (5Y) | -52.26% | -86.25% |
| Avg. Volume (3M) | 2.27M | 3.05M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | SAP | TWLO |
|---|---|---|
| Sharpe Ratio (1Y) | -0.21 | 0.89 |
| Sortino Ratio (1Y) | -0.29 | 1.49 |
Profitability
ROE (TTM)
SAP (SAP) at 18.18% sits in the top ROE quartile, while Twilio (TWLO) at 14.92% is closer to the peer norm — stronger capital efficiency for SAP.
SAP
Software & Services industry group
18.18%
- Max
- 53.85%
- SAP
- 18.18%
- Q3
- 17.90%
- Median
- 6.59%
- Q1
- -9.59%
- Min
- -50.52%
TWLO
Software & Services industry group
14.92%
- Max
- 53.85%
- Q3
- 17.90%
- TWLO
- 14.92%
- Median
- 6.59%
- Q1
- -9.59%
- Min
- -50.52%
Net Margin (TTM)
For every dollar of sales, both SAP (SAP) at 20.41% and Twilio (TWLO) at 21.82% retain more as net profit than most peers, landing in the top net margin quartile of their industries.
SAP
Software & Services industry group
20.41%
- Max
- 41.17%
- SAP
- 20.41%
- Q3
- 15.28%
- Median
- 4.63%
- Q1
- -5.42%
- Min
- -33.17%
TWLO
Software & Services industry group
21.82%
- Max
- 41.17%
- TWLO
- 21.82%
- Q3
- 15.28%
- Median
- 4.63%
- Q1
- -5.42%
- Min
- -33.17%
Operating Margin (TTM)
SAP (SAP) at 29.50% operates in the top operating margin quartile, ahead of Twilio (TWLO) at 9.53%, which runs around its industry’s norm.
SAP
Software & Services industry group
29.50%
- Max
- 46.89%
- SAP
- 29.50%
- Q3
- 17.64%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
TWLO
Software & Services industry group
9.53%
- Max
- 46.89%
- Q3
- 17.64%
- TWLO
- 9.53%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
Profitability Metrics
| Metric | SAP | TWLO |
|---|---|---|
| ROE (TTM) | 18.18% | 14.92% |
| ROA (TTM) | 9.91% | 2.69% |
| Net Margin (TTM) | 20.41% | 21.82% |
| Operating Margin (TTM) | 29.50% | 9.53% |
| Gross Margin (TTM) | 73.58% | 48.61% |
Growth
Revenue Growth
Both SAP (SAP) at 7.68% and Twilio (TWLO) at 13.66% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Only one side can be read here: SAP (SAP) reports EPS growth of 130.19%, ranked against its industry; Twilio (TWLO) has no EPS growth figure this period.
Growth Metrics
| Metric | SAP | TWLO |
|---|---|---|
| Revenue Growth (YoY) | 7.68% | 13.66% |
| Revenue Growth (3Y CAGR) | 7.63% | 9.82% |
| EPS Growth (YoY) | 130.19% | -- |
| EPS Growth (3Y CAGR) | 46.25% | -- |
Financial Strength
Current Ratio (MRQ)
SAP (SAP) at 1.16 keeps current ratio within its industry’s typical mid-range, while Twilio (TWLO) at 4.47 sits above its industry’s typical mid-range — comfortable liquidity, though possibly with more idle current assets relative to peers.
SAP
Software & Services industry group
1.16
- Max
- 5.11
- Q3
- 2.77
- Median
- 1.67
- SAP
- 1.16
- Q1
- 1.01
- Min
- 0.03
TWLO
Software & Services industry group
4.47
- Max
- 5.11
- TWLO
- 4.47
- Q3
- 2.77
- Median
- 1.67
- Q1
- 1.01
- Min
- 0.03
Debt / Equity (MRQ)
Both SAP (SAP) at 0.23 and Twilio (TWLO) at 0.12 fund their balance sheets with roughly industry-typical debt-to-equity mixes.
SAP
Software & Services industry group
0.23
- Max
- 2.52
- Q3
- 1.13
- Median
- 0.40
- SAP
- 0.23
- Q1
- 0.07
- Min
- 0.00
TWLO
Software & Services industry group
0.12
- Max
- 2.52
- Q3
- 1.13
- Median
- 0.40
- TWLO
- 0.12
- Q1
- 0.07
- Min
- 0.00
Financial Strength Metrics
| Metric | SAP | TWLO |
|---|---|---|
| Current Ratio (MRQ) | 1.16 | 4.47 |
| Debt / Equity (MRQ) | 0.23 | 0.12 |
| Net Debt / EBITDA | -0.03 | -3.13 |
Dividends
Dividend Yield (TTM)
Twilio (TWLO) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile SAP (SAP) reports a yield of 1.03%, ranking against industry peers normally.
SAP
Software & Services industry group
1.03%
- SAP
- 1.03%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
TWLO
Software & Services industry group
0.00%
- TWLO
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Twilio (TWLO) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile SAP (SAP) reports a payout of 36.45%, ranking against industry peers normally.
SAP
Software & Services industry group
36.45%
- SAP
- 36.45%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
TWLO
Software & Services industry group
0.00%
- TWLO
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | SAP | TWLO |
|---|---|---|
| Dividend Yield (TTM) | 1.03% | 0.00% |
| Dividend Payout Ratio (TTM) | 36.45% | 0.00% |
Valuation
P/E Ratio (TTM)
Both SAP (SAP) at 29.07 and Twilio (TWLO) at 25.38 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
SAP
Software & Services industry group
29.07
- Max
- 112.94
- Q3
- 60.32
- Median
- 32.91
- SAP
- 29.07
- Q1
- 18.77
- Min
- 6.69
TWLO
Software & Services industry group
25.38
- Max
- 112.94
- Q3
- 60.32
- Median
- 32.91
- TWLO
- 25.38
- Q1
- 18.77
- Min
- 6.69
P/S Ratio (TTM)
On P/S ratio, both SAP (SAP) at 6.84 and Twilio (TWLO) at 5.36 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
SAP
Software & Services industry group
6.84
- Max
- 17.91
- Q3
- 8.78
- SAP
- 6.84
- Median
- 4.25
- Q1
- 2.23
- Min
- 0.02
TWLO
Software & Services industry group
5.36
- Max
- 17.91
- Q3
- 8.78
- TWLO
- 5.36
- Median
- 4.25
- Q1
- 2.23
- Min
- 0.02
P/B Ratio (MRQ)
Twilio (TWLO) at 3.41 sits near its industry’s typical P/B ratio, while SAP (SAP) at 73.25 prices above its benchmark range — SAP looks rich relative to book.
SAP
Software & Services industry group
73.25
- SAP
- 73.25
- Max
- 16.63
- Q3
- 8.50
- Median
- 4.30
- Q1
- 1.92
- Min
- -3.90
TWLO
Software & Services industry group
3.41
- Max
- 16.63
- Q3
- 8.50
- Median
- 4.30
- TWLO
- 3.41
- Q1
- 1.92
- Min
- -3.90
Valuation Metrics
| Metric | SAP | TWLO |
|---|---|---|
| P/E Ratio (TTM) | 29.07 | 25.38 |
| P/S Ratio (TTM) | 6.84 | 5.36 |
| P/B Ratio (MRQ) | 73.25 | 3.41 |
| Free Cash Flow Yield (TTM) | 3.73% | 3.45% |