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SAP vs. V: A Head-to-Head Stock Comparison

Here’s a clear look at SAP and V, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolSAPV
Company NameSAP SEVisa Inc.
CountryGermanyUnited States
GICS SectorInformation TechnologyFinancials
GICS Industry GroupSoftware & ServicesFinancial Services
GICS IndustrySoftwareFinancial Services
GICS Sub-IndustryApplication SoftwareTransaction & Payment Processing Services
Market Capitalization200.54 billion USD615.90 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateSeptember 18, 1995March 19, 2008
Security TypeADRCommon Stock

SAP trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, V is a standard domestic listing.

V’s market capitalization (615.90 billion USD) is significantly greater than SAP’s (200.54 billion USD), highlighting its more substantial market valuation.

SAP trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, V is a standard domestic listing.

Historical Performance

This chart compares the performance of SAP and V by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

SAP
V
Loading price history…
SAP vs. V: Growth of a $10,000 investment over the past five years.

Historical Performance at a Glance

SymbolSAPV
5-Day Price Return-3.56%0.57%
13-Week Price Return-15.26%-2.33%
26-Week Price Return-36.04%-3.87%
52-Week Price Return-44.94%-8.14%
Month-to-Date Return-0.71%-1.81%
Year-to-Date Return-30.66%-7.66%
10-Day Avg. Volume2.75M8.66M
3-Month Avg. Volume3.11M7.73M
3-Month Volatility37.17%26.10%
Beta0.930.78

With betas of 0.93 for SAP and 0.78 for V, both stocks show similar sensitivity to overall market movements.

Profitability

Return on Equity (TTM)

SAP

16.45%

Software Industry
Max
62.31%
Q3
22.20%
Median
7.37%
Q1
-6.27%
Min
-44.49%

SAP’s Return on Equity of 16.45% is on par with the norm for the Software industry, indicating its profitability relative to shareholder equity is typical for the sector.

V

58.90%

Financial Services Industry
Max
30.57%
Q3
20.63%
Median
12.78%
Q1
4.35%
Min
-0.68%

V’s Return on Equity of 58.90% is exceptionally high, placing it well beyond the typical range for the Financial Services industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

SAP vs. V: A comparison of their Return on Equity (TTM) against their respective Software and Financial Services industry benchmarks.

Net Profit Margin (TTM)

SAP

19.46%

Software Industry
Max
44.20%
Q3
17.73%
Median
7.82%
Q1
-3.30%
Min
-33.25%

A Net Profit Margin of 19.46% places SAP in the upper quartile for the Software industry, signifying strong profitability and more effective cost management than most of its peers.

V

51.68%

Financial Services Industry
Max
30.83%
Q3
19.95%
Median
12.18%
Q1
5.45%
Min
-12.30%

V’s Net Profit Margin of 51.68% is exceptionally high, placing it well beyond the typical range for the Financial Services industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.

SAP vs. V: A comparison of their Net Profit Margin (TTM) against their respective Software and Financial Services industry benchmarks.

Operating Profit Margin (TTM)

SAP

26.13%

Software Industry
Max
49.62%
Q3
18.30%
Median
6.76%
Q1
-3.80%
Min
-34.31%

An Operating Profit Margin of 26.13% places SAP in the upper quartile for the Software industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

V

61.12%

Financial Services Industry
Max
79.44%
Q3
40.45%
Median
16.32%
Q1
9.20%
Min
-5.90%

An Operating Profit Margin of 61.12% places V in the upper quartile for the Financial Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

SAP vs. V: A comparison of their Operating Profit Margin (TTM) against their respective Software and Financial Services industry benchmarks.

Profitability at a Glance

SymbolSAPV
Return on Equity (TTM)16.45%58.90%
Return on Assets (TTM)10.13%22.72%
Net Profit Margin (TTM)19.46%51.68%
Operating Profit Margin (TTM)26.13%61.12%
Gross Profit Margin (TTM)73.77%81.29%

Financial Strength

Current Ratio (MRQ)

SAP

1.16

Software Industry
Max
4.59
Q3
2.57
Median
1.65
Q1
1.12
Min
0.47

SAP’s Current Ratio of 1.16 aligns with the median group of the Software industry, indicating that its short-term liquidity is in line with its sector peers.

V

1.09

Financial Services Industry
Max
5.43
Q3
3.16
Median
1.36
Q1
0.98
Min
0.06

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SAP vs. V: A comparison of their Current Ratio (MRQ) against their respective Software and Financial Services industry benchmarks.

Debt-to-Equity Ratio (MRQ)

SAP

0.17

Software Industry
Max
2.70
Q3
1.14
Median
0.33
Q1
0.00
Min
0.00

SAP’s Debt-to-Equity Ratio of 0.17 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

V

0.67

Financial Services Industry
Max
4.66
Q3
2.68
Median
1.07
Q1
0.26
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

SAP vs. V: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Software and Financial Services industry benchmarks.

Interest Coverage Ratio (TTM)

SAP

32.64

Software Industry
Max
45.58
Q3
11.88
Median
-0.62
Q1
-14.80
Min
-53.00

SAP’s Interest Coverage Ratio of 32.64 is in the upper quartile for the Software industry, signifying a strong and healthy capacity to meet its interest payments from operating profits.

V

24.71

Financial Services Industry
Max
54.49
Q3
24.71
Median
3.63
Q1
0.68
Min
-3.76

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

SAP vs. V: A comparison of their Interest Coverage Ratio (TTM) against their respective Software and Financial Services industry benchmarks.

Financial Strength at a Glance

SymbolSAPV
Current Ratio (MRQ)1.161.09
Quick Ratio (MRQ)1.160.97
Debt-to-Equity Ratio (MRQ)0.170.67
Interest Coverage Ratio (TTM)32.6424.71

Growth

Revenue Growth

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

Revenue Growth at a Glance

SymbolSAPV
Revenue Growth (MRQ vs Prior YoY)3.26%17.05%
Revenue Growth (TTM vs Prior YoY)7.67%14.37%
3-Year Revenue CAGR7.62%10.92%
5-Year Revenue CAGR6.12%12.86%

EPS Growth

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

EPS Growth at a Glance

SymbolSAPV
EPS Growth (MRQ vs Prior YoY)5.65%35.53%
EPS Growth (TTM vs Prior YoY)130.91%15.31%
3-Year EPS CAGR46.36%13.37%
5-Year EPS CAGR6.97%15.85%

Dividend

Dividend Yield (TTM)

SAP

1.61%

Software Industry
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%

SAP’s Dividend Yield of 1.61% is exceptionally high, placing it well above the typical range for the Software industry. While this may seem attractive, an unusually high yield can sometimes be a warning sign, reflecting a falling stock price or market concerns about the dividend’s sustainability.

V

0.80%

Financial Services Industry
Max
6.28%
Q3
2.89%
Median
0.84%
Q1
0.00%
Min
0.00%

V’s Dividend Yield of 0.80% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

SAP vs. V: A comparison of their Dividend Yield (TTM) against their respective Software and Financial Services industry benchmarks.

Dividend Payout Ratio (TTM)

SAP

161.64%

Software Industry
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%

SAP’s Dividend Payout Ratio of 161.64% is above 100%. This means the company is paying out more in dividends than it earned, a practice that is often unsustainable and could indicate a risk to future dividend stability.

V

21.94%

Financial Services Industry
Max
69.44%
Q3
30.71%
Median
16.26%
Q1
0.00%
Min
0.00%

V’s Dividend Payout Ratio of 21.94% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

SAP vs. V: A comparison of their Dividend Payout Ratio (TTM) against their respective Software and Financial Services industry benchmarks.

Dividend at a Glance

SymbolSAPV
Dividend Yield (TTM)1.61%0.80%
Dividend Payout Ratio (TTM)161.64%21.94%

Valuation

Price-to-Earnings Ratio (TTM)

SAP

23.84

Software Industry
Max
103.82
Q3
62.00
Median
30.25
Q1
16.58
Min
0.39

SAP’s P/E Ratio of 23.84 is within the middle range for the Software industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

V

27.42

Financial Services Industry
Max
55.51
Q3
27.42
Median
15.43
Q1
8.51
Min
5.96

V’s P/E Ratio of 27.42 is within the middle range for the Financial Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

SAP vs. V: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Software and Financial Services industry benchmarks.

Price-to-Sales Ratio (TTM)

SAP

4.64

Software Industry
Max
15.72
Q3
8.24
Median
4.08
Q1
2.31
Min
0.45

SAP’s P/S Ratio of 4.64 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

V

14.17

Financial Services Industry
Max
7.07
Q3
4.02
Median
1.88
Q1
0.93
Min
0.26

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

SAP vs. V: A comparison of their Price-to-Sales Ratio (TTM) against their respective Software and Financial Services industry benchmarks.

Price-to-Book Ratio (MRQ)

SAP

5.45

Software Industry
Max
20.48
Q3
10.83
Median
5.41
Q1
2.66
Min
0.32

SAP’s P/B Ratio of 5.45 is within the conventional range for the Software industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

V

16.15

Financial Services Industry
Max
7.73
Q3
3.83
Median
1.58
Q1
1.08
Min
0.66

At 16.15, V’s P/B Ratio is at an extreme premium to the Financial Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

SAP vs. V: A comparison of their Price-to-Book Ratio (MRQ) against their respective Software and Financial Services industry benchmarks.

Valuation at a Glance

SymbolSAPV
Price-to-Earnings Ratio (TTM)23.8427.42
Price-to-Sales Ratio (TTM)4.6414.17
Price-to-Book Ratio (MRQ)5.4516.15
Price-to-Free Cash Flow Ratio (TTM)20.2828.78