SAP vs. V: SAP vs. Visa Stock Comparison

June 13, 2026

This page compares SAP (SAP) with Visa (V) using performance and risk, profitability, financial strength, growth, dividends, and valuation metrics.

Performance

Cumulative Growth

SAP

SAP (SAP) vs. Visa (V): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

Loading price history…

Trailing total returns for SAP (SAP) and Visa (V). Returns over one year are annualized.

Performance at a Glance

Performance metrics for SAP (SAP) and Visa (V)
Metric	SAP	V
1-Year Return	-44.64%	-12.51%

Risk

Drawdown

SAP

SAP (SAP) vs. Visa (V): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Risk at a Glance

Risk metrics for SAP (SAP) and Visa (V)
Metric	SAP	V
1-Year Volatility	34.33%	22.39%
Beta	1.14	0.77
3-Month Avg. Volume	3.45M	7.40M

Company Profile

SAP (SAP) is classified in the Information Technology sector (Software & Services), whereas Visa (V) belongs to Financials (Financial Services) — their GICS classifications point to very different parts of the market.

Visa (V) 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.

Company profile comparison for SAP (SAP) and Visa (V)
Profile Item	SAP	V
Name	SAP SE Sponsored ADR	Visa Inc. Class A
Country/Region	Germany	United States
GICS Sector	Information Technology	Financials
GICS Industry Group	Software & Services	Financial Services
GICS Industry	Software	Financial Services
GICS Sub-Industry	Application Software	Transaction & Payment Processing Services
Market Capitalization	193.56 billion USD	613.10 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	September 18, 1995	March 19, 2008
Security Type	ADR	Common Stock

Valuation

Price-to-Earnings Ratio (TTM)

SAP (SAP) at 22.83 is near its industry’s usual P/E ratio, while Visa (V) at 28.08 sits in the richer quartile — V needs stronger growth or earnings quality to justify the premium.

SAP

Software & Services industry group

22.83

Max: 106.12
Q3: 56.70
Median: 30.10
SAP: 22.83
Q1: 15.65
Min: 0.39

V

Financial Services industry group

28.08

Max: 47.33
V: 28.08
Q3: 25.83
Median: 14.56
Q1: 9.03
Min: 0.60

SAP (SAP) vs. Visa (V): A comparison of their P/E ratio against their respective Software & Services and Financial Services industry group benchmarks.

Price-to-Sales Ratio (TTM)

SAP (SAP) at 5.18 prices around its industry’s typical P/S ratio, while Visa (V) at 14.25 clears its benchmark range — V looks notably rich on sales.

SAP

Software & Services industry group

5.18

Max: 18.75
Q3: 8.80
SAP: 5.18
Median: 3.97
Q1: 2.05
Min: 0.02

V

Financial Services industry group

14.25

V: 14.25
Max: 9.45
Q3: 4.84
Median: 2.86
Q1: 1.48
Min: -1.12

SAP (SAP) vs. Visa (V): A comparison of their P/S ratio against their respective Software & Services and Financial Services industry group benchmarks.

Price-to-Book Ratio (MRQ)

SAP (SAP) at 3.66 sits near its industry’s typical P/B ratio, while Visa (V) at 17.29 prices above its benchmark range — V looks rich relative to book.

SAP

Software & Services industry group

3.66

Max: 16.52
Q3: 8.04
Median: 3.96
SAP: 3.66
Q1: 1.96
Min: -6.70

V

Financial Services industry group

17.29

V: 17.29
Max: 7.24
Q3: 3.50
Median: 1.63
Q1: 0.92
Min: 0.00

SAP (SAP) vs. Visa (V): A comparison of their P/B ratio against their respective Software & Services and Financial Services industry group benchmarks.

Valuation at a Glance

Valuation metrics for SAP (SAP) and Visa (V)
Metric	SAP	V
Price-to-Earnings Ratio (TTM)	22.83	28.08
Price-to-Sales Ratio (TTM)	5.18	14.25
Price-to-Book Ratio (MRQ)	3.66	17.29
Free Cash Flow Yield	4.21%	--

Profitability

Return on Equity (TTM)

Visa (V) at 60.35% clears its industry range for ROE, a sharper capital-efficiency signal than SAP (SAP) at 16.35%, which is closer to a typical peer reading.

SAP

Software & Services industry group

16.35%

Max: 53.38%
Q3: 16.49%
SAP: 16.35%
Median: 5.29%
Q1: -13.69%
Min: -58.43%

V

Financial Services industry group

60.35%

V: 60.35%
Max: 42.17%
Q3: 21.40%
Median: 12.18%
Q1: 5.01%
Min: -18.74%

SAP (SAP) vs. Visa (V): A comparison of their ROE against their respective Software & Services and Financial Services industry group benchmarks.

Net Profit Margin (TTM)

For every dollar of sales, both SAP (SAP) at 19.58% and Visa (V) at 51.68% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

SAP

Software & Services industry group

19.58%

Max: 44.20%
SAP: 19.58%
Q3: 14.93%
Median: 3.32%
Q1: -6.49%
Min: -34.99%

V

Financial Services industry group

51.68%

Max: 66.55%
V: 51.68%
Q3: 30.41%
Median: 16.58%
Q1: 4.49%
Min: -26.88%

SAP (SAP) vs. Visa (V): A comparison of their net margin against their respective Software & Services and Financial Services industry group benchmarks.

Operating Profit Margin (TTM)

Both SAP (SAP) at 30.03% and Visa (V) at 67.35% convert sales into operating profit at a top-quartile rate, pointing to tighter cost discipline before financing and tax.

SAP

Software & Services industry group

30.03%

Max: 60.45%
SAP: 30.03%
Q3: 16.49%
Median: 4.46%
Q1: -12.92%
Min: -54.21%

V

Financial Services industry group

67.35%

Max: 95.95%
V: 67.35%
Q3: 50.01%
Median: 27.45%
Q1: 12.28%
Min: -36.26%

SAP (SAP) vs. Visa (V): A comparison of their operating margin against their respective Software & Services and Financial Services industry group benchmarks.

Profitability at a Glance

Profitability metrics for SAP (SAP) and Visa (V)
Metric	SAP	V
Return on Equity (TTM)	16.35%	60.35%
Return on Assets (TTM)	9.08%	19.19%
Net Profit Margin (TTM)	19.58%	51.68%
Operating Profit Margin (TTM)	30.03%	67.35%
Gross Profit Margin (TTM)	73.72%	--

Growth

Revenue Growth

SAP (SAP) vs. Visa (V): A comparison of their Revenue Growth across different time periods.

Revenue Growth at a Glance

Revenue growth metrics for SAP (SAP) and Visa (V)
Metric	SAP	V
1-Year Revenue Growth	7.68%	11.34%
3-Year Revenue CAGR	7.63%	10.92%

EPS Growth

SAP (SAP) vs. Visa (V): A comparison of their EPS Growth across different time periods.

EPS Growth at a Glance

EPS growth metrics for SAP (SAP) and Visa (V)
Metric	SAP	V
1-Year EPS Growth	130.19%	4.83%
3-Year EPS CAGR	46.25%	13.37%

Financial Strength

Current Ratio (MRQ)

SAP (SAP) shows current ratio of 1.07; Visa (V) doesn’t get one — Financial Services balance sheets aren’t split into current and non-current buckets, so short-term liquidity there is judged through regulatory measures instead.

SAP

Software & Services industry group

1.07

Max: 5.55
Q3: 2.88
Median: 1.73
SAP: 1.07
Q1: 1.07
Min: 0.03

V

Financial Services industry group

V: --
Max: --
Q3: --
Median: --
Q1: --
Min: --

SAP (SAP) vs. Visa (V): V’s current ratio is not assessed under the Financial Services industry convention, so the chart shows available visual context for SAP only.

Debt-to-Equity Ratio (MRQ)

SAP (SAP) shows debt-to-equity ratio of 0.17; for Visa (V) the ratio is set aside — in Financial Services, balance-sheet leverage is part of the business model itself, so capital-adequacy measures do the job this ratio does elsewhere.

SAP

Software & Services industry group

0.17

Max: 2.31
Q3: 1.06
Median: 0.32
SAP: 0.17
Q1: 0.06
Min: 0.00

V

Financial Services industry group

V: --
Max: --
Q3: --
Median: --
Q1: --
Min: --

SAP (SAP) vs. Visa (V): V’s debt-to-equity ratio is not assessed under the Financial Services industry convention, so the chart shows available visual context for SAP only.

Financial Strength at a Glance

Financial strength metrics for SAP (SAP) and Visa (V)
Metric	SAP	V
Current Ratio (MRQ)	1.07	--
Debt-to-Equity Ratio (MRQ)	0.17	--
Net Debt / EBITDA	-0.19	--

Dividends

Dividend Yield (TTM)

Visa (V) at 0.83% pays an industry-typical yield; SAP (SAP) at 1.78% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

SAP

Software & Services industry group

1.78%

SAP: 1.78%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

V

Financial Services industry group

0.83%

Max: 18.40%
Q3: 7.73%
Median: 1.93%
V: 0.83%
Q1: 0.00%
Min: 0.00%

SAP (SAP) vs. Visa (V): A comparison of their dividend yield against their respective Software & Services and Financial Services industry group benchmarks.

Dividend Payout Ratio (TTM)

Visa (V) at 21.97% keeps its payout in the industry’s typical band, while SAP (SAP) at 37.15% pays out more than any of its peers — the most stretched cover in its group.

SAP

Software & Services industry group

37.15%

SAP: 37.15%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

V

Financial Services industry group

21.97%

Max: 228.57%
Q3: 95.72%
Median: 25.56%
V: 21.97%
Q1: 0.00%
Min: 0.00%

SAP (SAP) vs. Visa (V): A comparison of their payout ratio against their respective Software & Services and Financial Services industry group benchmarks.

Dividends at a Glance

Dividend metrics for SAP (SAP) and Visa (V)
Metric	SAP	V
Dividend Yield (TTM)	1.78%	0.83%
Dividend Payout Ratio (TTM)	37.15%	21.97%