SAP vs. XYZ: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at SAP and XYZ, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
SAP trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, XYZ is a standard domestic listing.
| Symbol | SAP | XYZ |
|---|---|---|
| Company Name | SAP SE | Block, Inc. |
| Country | Germany | United States |
| GICS Sector | Information Technology | Financials |
| GICS Industry | Software | Financial Services |
| Market Capitalization | 320.61 billion USD | 45.22 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 18, 1995 | November 19, 2015 |
| Security Type | ADR | Common Stock |
Historical Performance
This chart compares the performance of SAP and XYZ 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.
Historical Performance at a Glance
| Symbol | SAP | XYZ |
|---|---|---|
| 5-Day Price Return | -0.88% | -2.45% |
| 13-Week Price Return | -10.87% | 27.17% |
| 26-Week Price Return | -14.46% | -11.99% |
| 52-Week Price Return | 20.56% | 10.92% |
| Month-to-Date Return | -5.54% | -3.99% |
| Year-to-Date Return | 0.25% | -12.72% |
| 10-Day Avg. Volume | 1.46M | 9.56M |
| 3-Month Avg. Volume | 1.57M | 10.93M |
| 3-Month Volatility | 25.86% | 40.28% |
| Beta | 0.98 | 2.77 |
Profitability
Return on Equity (TTM)
SAP
15.09%
Software Industry
- Max
- 59.01%
- Q3
- 21.98%
- Median
- 7.15%
- Q1
- -11.12%
- Min
- -51.24%
SAP’s Return on Equity of 15.09% is on par with the norm for the Software industry, indicating its profitability relative to shareholder equity is typical for the sector.
XYZ
13.95%
Financial Services Industry
- Max
- 40.58%
- Q3
- 20.06%
- Median
- 10.67%
- Q1
- 4.19%
- Min
- -10.31%
XYZ’s Return on Equity of 13.95% is on par with the norm for the Financial Services industry, indicating its profitability relative to shareholder equity is typical for the sector.
Net Profit Margin (TTM)
SAP
18.23%
Software Industry
- Max
- 48.14%
- Q3
- 18.23%
- Median
- 5.60%
- Q1
- -9.22%
- Min
- -49.36%
SAP’s Net Profit Margin of 18.23% is aligned with the median group of its peers in the Software industry. This indicates its ability to convert revenue into profit is typical for the sector.
XYZ
12.41%
Financial Services Industry
- Max
- 52.86%
- Q3
- 25.58%
- Median
- 12.23%
- Q1
- 6.64%
- Min
- -9.92%
XYZ’s Net Profit Margin of 12.41% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin (TTM)
SAP
25.13%
Software Industry
- Max
- 57.34%
- Q3
- 20.60%
- Median
- 7.84%
- Q1
- -8.72%
- Min
- -51.37%
An Operating Profit Margin of 25.13% 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.
XYZ
4.82%
Financial Services Industry
- Max
- 77.28%
- Q3
- 37.68%
- Median
- 18.17%
- Q1
- 9.27%
- Min
- -8.19%
XYZ’s Operating Profit Margin of 4.82% is in the lower quartile for the Financial Services industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
Profitability at a Glance
| Symbol | SAP | XYZ |
|---|---|---|
| Return on Equity (TTM) | 15.09% | 13.95% |
| Return on Assets (TTM) | 9.09% | 8.08% |
| Net Profit Margin (TTM) | 18.23% | 12.41% |
| Operating Profit Margin (TTM) | 25.13% | 4.82% |
| Gross Profit Margin (TTM) | 73.80% | 39.38% |
Financial Strength
Current Ratio (MRQ)
SAP
1.03
Software Industry
- Max
- 3.83
- Q3
- 2.31
- Median
- 1.45
- Q1
- 1.03
- Min
- 0.24
SAP’s Current Ratio of 1.03 aligns with the median group of the Software industry, indicating that its short-term liquidity is in line with its sector peers.
XYZ
1.96
Financial Services Industry
- Max
- 4.58
- Q3
- 2.59
- Median
- 1.33
- Q1
- 0.69
- Min
- 0.01
For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
SAP
0.21
Software Industry
- Max
- 2.14
- Q3
- 0.90
- Median
- 0.29
- Q1
- 0.00
- Min
- 0.00
SAP’s Debt-to-Equity Ratio of 0.21 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.
XYZ
0.26
Financial Services Industry
- Max
- 4.96
- Q3
- 2.10
- Median
- 0.57
- Q1
- 0.12
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.
Interest Coverage Ratio (TTM)
SAP
32.64
Software Industry
- Max
- 67.02
- Q3
- 19.86
- Median
- 0.70
- Q1
- -12.50
- 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.
XYZ
12.18
Financial Services Industry
- Max
- 136.23
- Q3
- 56.08
- Median
- 6.55
- Q1
- 2.01
- Min
- -33.27
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.
Financial Strength at a Glance
| Symbol | SAP | XYZ |
|---|---|---|
| Current Ratio (MRQ) | 1.03 | 1.96 |
| Quick Ratio (MRQ) | 1.03 | 1.92 |
| Debt-to-Equity Ratio (MRQ) | 0.21 | 0.26 |
| Interest Coverage Ratio (TTM) | 32.64 | 12.18 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
SAP
0.99%
Software Industry
- Max
- 0.08%
- Q3
- 0.03%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
SAP’s Dividend Yield of 0.99% 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.
XYZ
0.00%
Financial Services Industry
- Max
- 8.18%
- Q3
- 3.60%
- Median
- 1.56%
- Q1
- 0.00%
- Min
- 0.00%
XYZ currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
Dividend Payout Ratio (TTM)
SAP
161.64%
Software Industry
- Max
- 1.32%
- Q3
- 0.53%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
At 161.64%, SAP’s Dividend Payout Ratio is exceptionally high, exceeding the typical range for the Software industry. While this provides a significant return to shareholders, it may limit funds for reinvestment and could be difficult to sustain.
XYZ
0.00%
Financial Services Industry
- Max
- 155.56%
- Q3
- 63.71%
- Median
- 18.08%
- Q1
- 0.00%
- Min
- 0.00%
XYZ has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
Dividend at a Glance
| Symbol | SAP | XYZ |
|---|---|---|
| Dividend Yield (TTM) | 0.99% | 0.00% |
| Dividend Payout Ratio (TTM) | 161.64% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
SAP
42.26
Software Industry
- Max
- 149.35
- Q3
- 100.21
- Median
- 47.97
- Q1
- 26.77
- Min
- 11.68
SAP’s P/E Ratio of 42.26 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.
XYZ
16.06
Financial Services Industry
- Max
- 63.23
- Q3
- 32.10
- Median
- 14.41
- Q1
- 10.81
- Min
- 0.37
XYZ’s P/E Ratio of 16.06 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.
Price-to-Sales Ratio (TTM)
SAP
7.70
Software Industry
- Max
- 25.24
- Q3
- 13.52
- Median
- 8.15
- Q1
- 4.87
- Min
- 0.98
SAP’s P/S Ratio of 7.70 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.
XYZ
1.99
Financial Services Industry
- Max
- 11.16
- Q3
- 5.45
- Median
- 2.61
- Q1
- 1.25
- Min
- 0.04
The P/S Ratio is often not a primary valuation tool in the Financial Services industry.
Price-to-Book Ratio (MRQ)
SAP
7.74
Software Industry
- Max
- 30.95
- Q3
- 14.91
- Median
- 7.75
- Q1
- 3.60
- Min
- 0.38
SAP’s P/B Ratio of 7.74 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.
XYZ
1.89
Financial Services Industry
- Max
- 7.09
- Q3
- 3.79
- Median
- 1.46
- Q1
- 0.83
- Min
- 0.04
XYZ’s P/B Ratio of 1.89 is within the conventional range for the Financial Services 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.
Valuation at a Glance
| Symbol | SAP | XYZ |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 42.26 | 16.06 |
| Price-to-Sales Ratio (TTM) | 7.70 | 1.99 |
| Price-to-Book Ratio (MRQ) | 7.74 | 1.89 |
| Price-to-Free Cash Flow Ratio (TTM) | 37.81 | 44.30 |