Comprehensive Stock Comparison
Compare WM Technology, Inc. (MAPS) vs SAP SE (SAP) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | SAP | 3.4% revenue growth vs MAPS's -1.9% |
| Value | MAPS | Lower P/E (8.5x vs 27.8x) |
| Quality / Margins | SAP | 19.9% net margin vs MAPS's 4.4% |
| Stability / Safety | SAP | Beta 0.86 vs MAPS's 0.86, lower leverage |
| Dividends | MAPS | 11.8% yield, 2-year raise streak, vs SAP's 1.3% |
| Momentum (1Y) | SAP | -25.8% vs MAPS's -49.0% |
| Efficiency (ROA) | SAP | 10.4% ROA vs MAPS's 4.1%, ROIC 16.1% vs 11.1% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
WM Technology operates a leading online marketplace and software platform for the legal cannabis industry, connecting consumers with retailers and brands. It generates revenue primarily through subscription software fees from cannabis businesses (roughly 60%) and advertising services (roughly 40%) on its Weedmaps platform. The company's key advantage is its first-mover position and network effects in the fragmented cannabis market — its marketplace has become the dominant discovery tool for consumers while its software suite creates sticky relationships with retailers.
SAP is a global enterprise software company that provides business applications, technology platforms, and cloud services for organizations worldwide. It generates revenue primarily through software licenses and cloud subscriptions — with cloud services now representing over 40% of total revenue — along with consulting and support services. The company's key advantage is its deep integration across business functions — from finance to supply chain to HR — creating switching costs and network effects within its large enterprise customer base.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
SAP leads in 4 of 6 categories (Financial Metrics, Profitability & Efficiency). MAPS leads in 2 (Valuation Metrics, Analyst Outlook).
Financial Metrics (TTM)
SAP is the larger business by revenue, generating $36.7B annually — 204.7x MAPS's $179M. SAP is the more profitable business, keeping 19.9% of every revenue dollar as net income compared to MAPS's 4.4%. On growth, SAP holds the edge at +2.3% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | MAPSWM Technology, In… | SAPSAP SE |
|---|---|---|
| RevenueTrailing 12 months | $179M | $36.7B |
| EBITDAEarnings before interest/tax | $26M | $11.5B |
| Net IncomeAfter-tax profit | $8M | $7.3B |
| Free Cash FlowCash after capex | $17M | $8.4B |
| Gross MarginGross profit ÷ Revenue | +95.0% | +73.3% |
| Operating MarginEBIT ÷ Revenue | +6.2% | +27.0% |
| Net MarginNet income ÷ Revenue | +4.4% | +19.9% |
| FCF MarginFCF ÷ Revenue | +9.8% | +22.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | -9.4% | +2.3% |
| EPS Growth (YoY)Latest quarter vs prior year | -41.3% | +14.7% |
Valuation Metrics
At 8.5x trailing earnings, MAPS trades at a 70% valuation discount to SAP's 28.5x P/E. On an enterprise value basis, MAPS's 0.3x EV/EBITDA is more attractive than SAP's 17.8x.
| Metric | MAPSWM Technology, In… | SAPSAP SE |
|---|---|---|
| Market CapShares × price | $33M | $234.7B |
| Enterprise ValueMkt cap + debt − cash | $11M | $234.5B |
| Trailing P/EPrice ÷ TTM EPS | 8.49x | 28.52x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 27.77x |
| PEG RatioP/E ÷ EPS growth rate | — | 4.32x |
| EV / EBITDAEnterprise value multiple | 0.35x | 17.84x |
| Price / SalesMarket cap ÷ Revenue | 0.18x | 5.63x |
| Price / BookPrice ÷ Book value/share | 0.54x | 4.44x |
| Price / FCFMarket cap ÷ FCF | 1.32x | 25.07x |
Profitability & Efficiency
SAP delivers a 16.2% return on equity — every $100 of shareholder capital generates $16 in annual profit, vs $6 for MAPS. SAP carries lower financial leverage with a 0.18x debt-to-equity ratio, signaling a more conservative balance sheet compared to MAPS's 0.25x. On the Piotroski fundamental quality scale (0–9), SAP scores 9/9 vs MAPS's 7/9, reflecting strong financial health.
| Metric | MAPSWM Technology, In… | SAPSAP SE |
|---|---|---|
| ROE (TTM)Return on equity | +5.8% | +16.2% |
| ROA (TTM)Return on assets | +4.1% | +10.4% |
| ROICReturn on invested capital | +11.1% | +16.1% |
| ROCEReturn on capital employed | +10.4% | +18.3% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 9 |
| Debt / EquityFinancial leverage | 0.25x | 0.18x |
| Net DebtTotal debt minus cash | -$22M | -$149M |
| Cash & Equiv.Liquid assets | $52M | $8.2B |
| Total DebtShort + long-term debt | $30M | $8.1B |
| Interest CoverageEBIT ÷ Interest expense | — | 8.94x |
Total Returns (with DRIP)
A $10,000 investment in SAP five years ago would be worth $17,166 today (with dividends reinvested), compared to $279 for MAPS. Over the past 12 months, SAP leads with a -25.8% total return vs MAPS's -49.0%. The 3-year compound annual growth rate (CAGR) favors SAP at 22.4% vs MAPS's -15.4% — a key indicator of consistent wealth creation.
| Metric | MAPSWM Technology, In… | SAPSAP SE |
|---|---|---|
| YTD ReturnYear-to-date | -20.8% | -14.9% |
| 1-Year ReturnPast 12 months | -49.0% | -25.8% |
| 3-Year ReturnCumulative with dividends | -39.5% | +83.4% |
| 5-Year ReturnCumulative with dividends | -97.2% | +71.7% |
| 10-Year ReturnCumulative with dividends | -93.2% | +193.8% |
| CAGR (3Y)Annualised 3-year return | -15.4% | +22.4% |
Risk & Volatility
SAP is the less volatile stock with a 0.86 beta — it tends to amplify market swings less than MAPS's 0.86 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SAP currently trades 64.3% from its 52-week high vs MAPS's 47.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | MAPSWM Technology, In… | SAPSAP SE |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.86x | 0.86x |
| 52-Week HighHighest price in past year | $1.41 | $313.28 |
| 52-Week LowLowest price in past year | $0.63 | $189.22 |
| % of 52W HighCurrent price vs 52-week peak | +47.4% | +64.3% |
| RSI (14)Momentum oscillator 0–100 | 34.6 | 45.3 |
| Avg Volume (50D)Average daily shares traded | 905K | 2.4M |
Analyst Outlook
For income investors, MAPS offers the higher dividend yield at 11.83% vs SAP's 1.31%.
| Metric | MAPSWM Technology, In… | SAPSAP SE |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $415.33 |
| # AnalystsCovering analysts | — | 43 |
| Dividend YieldAnnual dividend ÷ price | +11.8% | +1.3% |
| Dividend StreakConsecutive years of raises | 2 | 2 |
| Dividend / ShareAnnual DPS | $0.08 | $2.24 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.0% | +0.9% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| WM Technology, Inc. (MAPS) | 100 | 7.72 | -92.3% |
| SAP SE (SAP) | 100 | 163.78 | +63.8% |
SAP SE (SAP) returned +72% over 5 years vs WM Technology, Inc. (MAPS)'s -97%. A $10,000 investment in SAP 5 years ago would be worth $17,166 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| WM Technology, Inc. (MAPS) | $101M | $185M | +82.0% |
| SAP SE (SAP) | $22.1B | $35.3B | +60.2% |
SAP SE's revenue grew from $22.1B (2016) to $35.3B (2025) — a 5.4% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| WM Technology, Inc. (MAPS) | 14.2% | 4.1% | -70.8% |
| SAP SE (SAP) | 16.5% | 19.9% | +20.6% |
SAP SE's net margin went from 17% (2016) to 20% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| SAP SE (SAP) | 33.5 | 40.6 | +21.2% |
SAP SE has traded in a 29x–93x P/E range over 9 years; current trailing P/E is ~29x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| WM Technology, Inc. (MAPS) | 2.08 | 0.08 | -96.2% |
| SAP SE (SAP) | 3.03 | 5.99 | +97.7% |
SAP SE's EPS grew from $3.03 (2016) to $5.99 (2025) — a 8% CAGR.
Chart 6Free Cash Flow — 5 Years
WM Technology, Inc. generated $25M FCF in 2024 (+65% vs 2021). SAP SE generated $8B FCF in 2025 (+44% vs 2021).
MAPS vs SAP: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is MAPS or SAP a better buy right now?
WM Technology, Inc. (MAPS) offers the better valuation at 8.5x trailing P/E, making it the more compelling value choice. Analysts rate SAP SE (SAP) a "Buy" — based on 43 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — MAPS or SAP?
On trailing P/E, WM Technology, Inc. (MAPS) is the cheapest at 8.5x versus SAP SE at 28.5x.
03Which is the better long-term investment — MAPS or SAP?
Over the past 5 years, SAP SE (SAP) delivered a total return of +71.7%, compared to -97.2% for WM Technology, Inc. (MAPS). A $10,000 investment in SAP five years ago would be worth approximately $17K today (assuming dividends reinvested). Over 10 years, the gap is even starker: SAP returned +193.8% versus MAPS's -93.2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — MAPS or SAP?
By beta (market sensitivity over 5 years), SAP SE (SAP) is the lower-risk stock at 0.86β versus WM Technology, Inc.'s 0.86β — meaning MAPS is approximately 1% more volatile than SAP relative to the S&P 500. On balance sheet safety, SAP SE (SAP) carries a lower debt/equity ratio of 18% versus 25% for WM Technology, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — MAPS or SAP?
SAP SE (SAP) is the more profitable company, earning 19.9% net margin versus 4.1% for WM Technology, Inc. — meaning it keeps 19.9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SAP leads at 28.0% versus 8.0% for MAPS. At the gross margin level — before operating expenses — MAPS leads at 95.1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — MAPS or SAP?
All stocks in this comparison pay dividends. WM Technology, Inc. (MAPS) offers the highest yield at 11.8%, versus 1.3% for SAP SE (SAP).
07Is MAPS or SAP better for a retirement portfolio?
For long-horizon retirement investors, SAP SE (SAP) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.86), 1.3% yield, +193.8% 10Y return). Both have compounded well over 10 years (SAP: +193.8%, MAPS: -93.2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between MAPS and SAP?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: MAPS is a small-cap deep-value stock; SAP is a large-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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