Sap CDR (SAPS.CA) Stock Fundamental Analysis

TSX:SAPS

15.31 CAD
-0.29 (-1.86%)
Last: Feb 19, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

7

We assign a fundamental rating of 7 out of 10 to SAPS. SAPS was compared to 69 industry peers in the Software industry. While SAPS has a great profitability rating, there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on SAPS. This makes SAPS very considerable for value investing!


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • In the past year SAPS was profitable.
  • SAPS had a positive operating cash flow in the past year.
  • SAPS had positive earnings in each of the past 5 years.
  • Each year in the past 5 years SAPS had a positive operating cash flow.
SAPS.CA Yearly Net Income VS EBIT VS OCF VS FCFSAPS.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

1.2 Ratios

  • SAPS has a Return On Assets of 10.41%. This is amongst the best in the industry. SAPS outperforms 88.41% of its industry peers.
  • The Return On Equity of SAPS (16.37%) is better than 84.06% of its industry peers.
  • With an excellent Return On Invested Capital value of 13.43%, SAPS belongs to the best of the industry, outperforming 89.86% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for SAPS is in line with the industry average of 12.35%.
  • The 3 year average ROIC (10.61%) for SAPS is below the current ROIC(13.43%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 10.41%
ROE 16.37%
ROIC 13.43%
ROA(3y)7.87%
ROA(5y)6.83%
ROE(3y)12.49%
ROE(5y)11.34%
ROIC(3y)10.61%
ROIC(5y)9.31%
SAPS.CA Yearly ROA, ROE, ROICSAPS.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • SAPS's Profit Margin of 19.91% is amongst the best of the industry. SAPS outperforms 89.86% of its industry peers.
  • SAPS's Profit Margin has been stable in the last couple of years.
  • With an excellent Operating Margin value of 28.17%, SAPS belongs to the best of the industry, outperforming 92.75% of the companies in the same industry.
  • SAPS's Operating Margin has been stable in the last couple of years.
  • SAPS has a Gross Margin of 73.62%. This is in the better half of the industry: SAPS outperforms 76.81% of its industry peers.
  • SAPS's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 28.17%
PM (TTM) 19.91%
GM 73.62%
OM growth 3Y8.24%
OM growth 5Y1.17%
PM growth 3Y37.04%
PM growth 5Y1.13%
GM growth 3Y0.25%
GM growth 5Y0.42%
SAPS.CA Yearly Profit, Operating, Gross MarginsSAPS.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so SAPS is still creating some value.
  • SAPS has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, SAPS has less shares outstanding
  • SAPS has a better debt/assets ratio than last year.
SAPS.CA Yearly Shares OutstandingSAPS.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
SAPS.CA Yearly Total Debt VS Total AssetsSAPS.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • An Altman-Z score of 2.27 indicates that SAPS is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • The Altman-Z score of SAPS (2.27) is comparable to the rest of the industry.
  • SAPS has a debt to FCF ratio of 0.96. This is a very positive value and a sign of high solvency as it would only need 0.96 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.96, SAPS belongs to the top of the industry, outperforming 81.16% of the companies in the same industry.
  • SAPS has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.13, SAPS perfoms like the industry average, outperforming 56.52% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.96
Altman-Z 2.27
ROIC/WACC1.7
WACC7.89%
SAPS.CA Yearly LT Debt VS Equity VS FCFSAPS.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

2.3 Liquidity

  • SAPS has a Current Ratio of 1.17. This is a normal value and indicates that SAPS is financially healthy and should not expect problems in meeting its short term obligations.
  • SAPS's Current ratio of 1.17 is in line compared to the rest of the industry. SAPS outperforms 55.07% of its industry peers.
  • A Quick Ratio of 1.17 indicates that SAPS should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.17, SAPS is in line with its industry, outperforming 56.52% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.17
Quick Ratio 1.17
SAPS.CA Yearly Current Assets VS Current LiabilitesSAPS.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 35.76% over the past year.
  • Measured over the past 5 years, SAPS shows a small growth in Earnings Per Share. The EPS has been growing by 2.60% on average per year.
  • The Revenue has been growing slightly by 7.67% in the past year.
  • The Revenue has been growing slightly by 6.12% on average over the past years.
EPS 1Y (TTM)35.76%
EPS 3Y14.85%
EPS 5Y2.6%
EPS Q2Q%16.55%
Revenue 1Y (TTM)7.67%
Revenue growth 3Y7.62%
Revenue growth 5Y6.12%
Sales Q2Q%3.26%

3.2 Future

  • SAPS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.34% yearly.
  • The Revenue is expected to grow by 13.09% on average over the next years. This is quite good.
EPS Next Y17.89%
EPS Next 2Y18.52%
EPS Next 3Y18.23%
EPS Next 5Y18.34%
Revenue Next Year10.48%
Revenue Next 2Y11.47%
Revenue Next 3Y13.9%
Revenue Next 5Y13.09%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
SAPS.CA Yearly Revenue VS EstimatesSAPS.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20B 40B 60B 80B
SAPS.CA Yearly EPS VS EstimatesSAPS.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5 10 15 20

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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.54, which indicates a rather cheap valuation of SAPS.
  • SAPS's Price/Earnings ratio is rather cheap when compared to the industry. SAPS is cheaper than 94.20% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, SAPS is valued rather cheaply.
  • SAPS is valuated cheaply with a Price/Forward Earnings ratio of 1.31.
  • 95.65% of the companies in the same industry are more expensive than SAPS, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, SAPS is valued rather cheaply.
Industry RankSector Rank
PE 1.54
Fwd PE 1.31
SAPS.CA Price Earnings VS Forward Price EarningsSAPS.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • 97.10% of the companies in the same industry are more expensive than SAPS, based on the Enterprise Value to EBITDA ratio.
  • 97.10% of the companies in the same industry are more expensive than SAPS, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.32
EV/EBITDA 0.67
SAPS.CA Per share dataSAPS.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • SAPS has an outstanding profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as SAPS's earnings are expected to grow with 18.23% in the coming years.
PEG (NY)0.09
PEG (5Y)0.59
EPS Next 2Y18.52%
EPS Next 3Y18.23%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • SAPS has a Yearly Dividend Yield of 1.38%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 0.29, SAPS pays a better dividend. On top of this SAPS pays more dividend than 94.20% of the companies listed in the same industry.
  • SAPS's Dividend Yield is slightly below the S&P500 average, which is at 1.85.
Industry RankSector Rank
Dividend Yield 1.38%

5.2 History

  • The dividend of SAPS is nicely growing with an annual growth rate of 8.40%!
  • SAPS does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)8.4%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 37.44% of the earnings are spent on dividend by SAPS. This is a low number and sustainable payout ratio.
  • SAPS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP37.44%
EPS Next 2Y18.52%
EPS Next 3Y18.23%
SAPS.CA Yearly Income VS Free CF VS DividendSAPS.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B
SAPS.CA Dividend Payout.SAPS.CA Dividend Payout, showing the Payout Ratio.SAPS.CA Dividend Payout.PayoutRetained Earnings

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Sap CDR

TSX:SAPS (2/19/2026, 7:00:00 PM)

15.31

-0.29 (-1.86%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners40.04%
Inst Owner ChangeN/A
Ins Owners8.07%
Ins Owner ChangeN/A
Market Cap17.83B
Revenue(TTM)36.80B
Net Income(TTM)7.33B
Analysts77.07
Price Target23.25 (51.86%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.38%
Yearly Dividend3.8
Dividend Growth(5Y)8.4%
DP37.44%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.87%
Min EPS beat(2)3.69%
Max EPS beat(2)4.05%
EPS beat(4)4
Avg EPS beat(4)4.8%
Min EPS beat(4)1.63%
Max EPS beat(4)9.81%
EPS beat(8)5
Avg EPS beat(8)-1.12%
EPS beat(12)8
Avg EPS beat(12)13.78%
EPS beat(16)8
Avg EPS beat(16)6.36%
Revenue beat(2)0
Avg Revenue beat(2)-1.88%
Min Revenue beat(2)-1.96%
Max Revenue beat(2)-1.8%
Revenue beat(4)0
Avg Revenue beat(4)-1.77%
Min Revenue beat(4)-1.96%
Max Revenue beat(4)-1.6%
Revenue beat(8)1
Avg Revenue beat(8)-0.88%
Revenue beat(12)3
Avg Revenue beat(12)-0.78%
Revenue beat(16)3
Avg Revenue beat(16)-1.45%
PT rev (1m)-11.46%
PT rev (3m)-12.79%
EPS NQ rev (1m)2.27%
EPS NQ rev (3m)3.93%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)0.3%
Revenue NQ rev (1m)-1.84%
Revenue NQ rev (3m)-2.41%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.38%
Valuation
Industry RankSector Rank
PE 1.54
Fwd PE 1.31
P/S 0.3
P/FCF 1.32
P/OCF 1.21
P/B 0.25
P/tB 0.82
EV/EBITDA 0.67
EPS(TTM)9.91
EY64.73%
EPS(NY)11.68
Fwd EY76.28%
FCF(TTM)11.64
FCFY76.04%
OCF(TTM)12.66
OCFY82.71%
SpS50.9
BVpS61.89
TBVpS18.61
PEG (NY)0.09
PEG (5Y)0.59
Graham Number117.48
Profitability
Industry RankSector Rank
ROA 10.41%
ROE 16.37%
ROCE 19.52%
ROIC 13.43%
ROICexc 16.45%
ROICexgc 59.21%
OM 28.17%
PM (TTM) 19.91%
GM 73.62%
FCFM 22.87%
ROA(3y)7.87%
ROA(5y)6.83%
ROE(3y)12.49%
ROE(5y)11.34%
ROIC(3y)10.61%
ROIC(5y)9.31%
ROICexc(3y)13.63%
ROICexc(5y)11.8%
ROICexgc(3y)62.47%
ROICexgc(5y)55.44%
ROCE(3y)15.47%
ROCE(5y)13.63%
ROICexgc growth 3Y5.44%
ROICexgc growth 5Y0.02%
ROICexc growth 3Y18.72%
ROICexc growth 5Y5.54%
OM growth 3Y8.24%
OM growth 5Y1.17%
PM growth 3Y37.04%
PM growth 5Y1.13%
GM growth 3Y0.25%
GM growth 5Y0.42%
F-Score9
Asset Turnover0.52
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.96
Debt/EBITDA 0.52
Cap/Depr 56.37%
Cap/Sales 2.01%
Interest Coverage 18.06
Cash Conversion 78.41%
Profit Quality 114.88%
Current Ratio 1.17
Quick Ratio 1.17
Altman-Z 2.27
F-Score9
WACC7.89%
ROIC/WACC1.7
Cap/Depr(3y)58.6%
Cap/Depr(5y)53.4%
Cap/Sales(3y)2.29%
Cap/Sales(5y)2.54%
Profit Quality(3y)115.61%
Profit Quality(5y)131.78%
High Growth Momentum
Growth
EPS 1Y (TTM)35.76%
EPS 3Y14.85%
EPS 5Y2.6%
EPS Q2Q%16.55%
EPS Next Y17.89%
EPS Next 2Y18.52%
EPS Next 3Y18.23%
EPS Next 5Y18.34%
Revenue 1Y (TTM)7.67%
Revenue growth 3Y7.62%
Revenue growth 5Y6.12%
Sales Q2Q%3.26%
Revenue Next Year10.48%
Revenue Next 2Y11.47%
Revenue Next 3Y13.9%
Revenue Next 5Y13.09%
EBIT growth 1Y27.11%
EBIT growth 3Y16.49%
EBIT growth 5Y7.37%
EBIT Next Year28.66%
EBIT Next 3Y18.39%
EBIT Next 5Y17.07%
FCF growth 1Y90.3%
FCF growth 3Y20.83%
FCF growth 5Y5.71%
OCF growth 1Y75.4%
OCF growth 3Y17.49%
OCF growth 5Y4.94%

Sap CDR / SAPS.CA FAQ

What is the ChartMill fundamental rating of Sap CDR (SAPS.CA) stock?

ChartMill assigns a fundamental rating of 7 / 10 to SAPS.CA.


What is the valuation status of Sap CDR (SAPS.CA) stock?

ChartMill assigns a valuation rating of 9 / 10 to Sap CDR (SAPS.CA). This can be considered as Undervalued.


What is the profitability of SAPS stock?

Sap CDR (SAPS.CA) has a profitability rating of 8 / 10.


Can you provide the PE and PB ratios for SAPS stock?

The Price/Earnings (PE) ratio for Sap CDR (SAPS.CA) is 1.54 and the Price/Book (PB) ratio is 0.25.


Can you provide the expected EPS growth for SAPS stock?

The Earnings per Share (EPS) of Sap CDR (SAPS.CA) is expected to grow by 17.89% in the next year.