Both stocks run through our valuation models. Here is how TWL (TWL) and SAP (SAP) compare, as of Aug 24, 2026.
As of Aug 24, 2026, Fair Value Calculator sees SAP as the less overvalued of the two: TWL trades at A$0.11 versus a fair value of A$0.02 (-85%), while SAP trades at €188 versus €170 (-10%).
TWL
TWL.AU · AUD · Technology
-85%
upside to fair value
overvalued
PriceA$0.11
Fair ValueA$0.02
Quality42/100
SAP
SAP.XETRA · EUR · Information Technology
-10%
upside to fair value
fairly valued
Price€188
Fair Value€170
Quality81/100
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Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
TWLSAP
Valuation
—P/E (TTM)22.1×
1.89×P/S (TTM)5.04×
1.46×P/B4.20×
—EV/EBITDA15.9×
—PEG1.37×
—Dividend yield1.3%
—Dividend per share€2.50
Profitability
-27%Net margin20%
-24%Operating margin30%
-25%Return on equity16%
-12%Return on assets9%
Growth
15%Revenue growth (YoY)6%
25.0%Avg. growth/yr (3Y)6.0%
—Avg. growth/yr (5Y)6.1%
Balance & size
0.02×Debt / equity0.09×
$18MMarket cap$188B
expensiveGrowth qualityhealthy
TWL leads: 5 to 4 metric wins.
Dash = not meaningfully computable, for example with negative equity.
Quality in detail
The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.
TWLof which business quality 42 · market factors 17SAPof which business quality 78 · market factors 46
ProfitabilityMargins and returns on capital today
29
62
Quality GrowthAre margins and returns improving?
63
76
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
90
94
Low VolatilityCalm price path (market factor)
47
61
MomentumPrice trend over the last 3–12 months (market factor)
7
45
52W MomentumDistance to the 52-week high (market factor)
0
29
Net IssuanceBuybacks instead of dilution
0
84
What the models say
The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.
TWL
Asset-BasedA$0.05
1 of 1 models see the stock below the current price.
SAP
DCF Models€149
Earnings-Based€60.32
Dividend Discount€41.03
Multiples€147
Asset-Based€25.68
Growth DCF€131
Economic Profit€69.81
Growth Earnings€156
25 of 26 models see the stock below the current price.
Scenario ranges
From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.
TWL
Bear A$0.01Fair Value A$0.02Bull A$0.03
A$0.11 = current price (white tick)
SAP
Bear €104Fair Value €170Bull €220
€188 = current price (white tick)
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Ranked within their sector
Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.
TWL · Technology
Quality score42 · below median
Fair value upside-85% · bottom 25%
SAP · Information Technology
Quality score81 · Top 25%
Fair value upside-10% · above median
Bottom line
As of Aug 24, 2026, Fair Value Calculator sees SAP as the less overvalued of the two: TWL trades at A$0.11 versus a fair value of A$0.02 (-85%), while SAP trades at €188 versus €170 (-10%).
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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.
