` Comparison: CURR, SAP - Alpha Spread

CURR
vs
SAP

Over the past 12 months, CURR has underperformed SAP, delivering a return of -81% compared to the SAP's +30% growth.

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CURR
SAP
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One-click summary across all key metrics.
Ranked results with clear takeaways.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

CURR Intrinsic Value
0.5 USD
Overvaluation 78%
Intrinsic Value
Price
SAP Intrinsic Value
184.28 EUR
Overvaluation 27%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
CURRENC Group Inc
NASDAQ:CURR
2.27 USD
SAP SE
XETRA:SAP
253 EUR
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CURR, SAP

CURR
SAP
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
CURRENC Group Inc
Revenue
SAP SE
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
CURR, SAP

CURR
SAP
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
CURRENC Group Inc
NASDAQ:CURR
SAP SE
XETRA:SAP
What is Free Cash Flow?

Gross Margin

CURR
29.6%
SAP
73.8%
LTM 3Y Avg 5Y Avg 10Y Avg
CURRENC Group Inc
SAP SE

Operating Margin

CURR
-73.8%
SAP
27%
LTM 3Y Avg 5Y Avg 10Y Avg
CURRENC Group Inc
SAP SE

Net Margin

CURR
-114.7%
SAP
18.2%
LTM 3Y Avg 5Y Avg 10Y Avg
CURRENC Group Inc
SAP SE

FCF Margin

CURR
4.6%
SAP
18.1%
LTM 3Y Avg 5Y Avg 10Y Avg
CURRENC Group Inc
SAP SE

ROE

CURR
332.1%
SAP
15.8%
LTM 3Y Avg 5Y Avg 10Y Avg
CURRENC Group Inc
SAP SE

ROA

CURR
-45.6%
SAP
9.4%
LTM 3Y Avg 5Y Avg 10Y Avg
CURRENC Group Inc
SAP SE

ROIC

CURR
-121%
SAP
12.2%
LTM 3Y Avg 5Y Avg 10Y Avg
CURRENC Group Inc
SAP SE

ROCE

CURR
-533.9%
SAP
19.2%
LTM 3Y Avg 5Y Avg 10Y Avg
CURRENC Group Inc
SAP SE

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
CURR, SAP

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Performance Gap
CURR, SAP

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CURR
SAP
Difference
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Performance By Year
CURR, SAP

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CURR
SAP
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