Comprehensive Stock Comparison
Compare Marti Technologies, Inc. (MRT) 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 MRT's -6.8% |
| Quality / Margins | SAP | 19.9% net margin vs MRT's -290.1% |
| Stability / Safety | SAP | Beta 0.86 vs MRT's 1.01 |
| Dividends | SAP | 1.3% yield; 2-year raise streak; MRT pays no meaningful dividend |
| Momentum (1Y) | SAP | -25.8% vs MRT's -43.0% |
| Efficiency (ROA) | SAP | 10.4% ROA vs MRT's -414.1%, ROIC 16.1% vs -435.9% |
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
Marti Technologies is a Turkish urban mobility platform that operates a fleet of shared electric vehicles — primarily e-mopeds, e-bikes, and e-scooters — through a mobile app. It generates revenue primarily from ride fees paid by users for short-distance trips across its vehicle network. The company benefits from first-mover advantage and network density in Turkey's major cities, creating local scale advantages that new entrants struggle to match.
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 — strongest in Financial Metrics and Profitability & Efficiency. 1 category is tied.
Financial Metrics (TTM)
SAP is the larger business by revenue, generating $36.7B annually — 1493.6x MRT's $25M. SAP is the more profitable business, keeping 19.9% of every revenue dollar as net income compared to MRT's -2.9%. On growth, MRT holds the edge at +70.4% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | MRTMarti Technologie… | SAPSAP SE |
|---|---|---|
| RevenueTrailing 12 months | $25M | $36.7B |
| EBITDAEarnings before interest/tax | -$54M | $11.5B |
| Net IncomeAfter-tax profit | -$71M | $7.3B |
| Free Cash FlowCash after capex | -$20M | $8.4B |
| Gross MarginGross profit ÷ Revenue | +22.6% | +73.3% |
| Operating MarginEBIT ÷ Revenue | -2.4% | +27.0% |
| Net MarginNet income ÷ Revenue | -2.9% | +19.9% |
| FCF MarginFCF ÷ Revenue | -81.9% | +22.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +70.4% | +2.3% |
| EPS Growth (YoY)Latest quarter vs prior year | +31.6% | +14.7% |
Valuation Metrics
| Metric | MRTMarti Technologie… | SAPSAP SE |
|---|---|---|
| Market CapShares × price | $160M | $234.7B |
| Enterprise ValueMkt cap + debt − cash | $230M | $234.5B |
| Trailing P/EPrice ÷ TTM EPS | -1.62x | 28.52x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 27.77x |
| PEG RatioP/E ÷ EPS growth rate | — | 4.32x |
| EV / EBITDAEnterprise value multiple | — | 17.84x |
| Price / SalesMarket cap ÷ Revenue | 8.56x | 5.63x |
| Price / BookPrice ÷ Book value/share | — | 4.44x |
| Price / FCFMarket cap ÷ FCF | — | 25.07x |
Profitability & Efficiency
On the Piotroski fundamental quality scale (0–9), SAP scores 9/9 vs MRT's 4/9, reflecting strong financial health.
| Metric | MRTMarti Technologie… | SAPSAP SE |
|---|---|---|
| ROE (TTM)Return on equity | — | +16.2% |
| ROA (TTM)Return on assets | -4.1% | +10.4% |
| ROICReturn on invested capital | -4.4% | +16.1% |
| ROCEReturn on capital employed | -3.6% | +18.3% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 9 |
| Debt / EquityFinancial leverage | — | 0.18x |
| Net DebtTotal debt minus cash | $70M | -$149M |
| Cash & Equiv.Liquid assets | $5M | $8.2B |
| Total DebtShort + long-term debt | $75M | $8.1B |
| Interest CoverageEBIT ÷ Interest expense | -4.92x | 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 $2,093 for MRT. Over the past 12 months, SAP leads with a -25.8% total return vs MRT's -43.0%. The 3-year compound annual growth rate (CAGR) favors SAP at 22.4% vs MRT's -41.9% — a key indicator of consistent wealth creation.
| Metric | MRTMarti Technologie… | SAPSAP SE |
|---|---|---|
| YTD ReturnYear-to-date | -12.5% | -14.9% |
| 1-Year ReturnPast 12 months | -43.0% | -25.8% |
| 3-Year ReturnCumulative with dividends | -80.3% | +83.4% |
| 5-Year ReturnCumulative with dividends | -79.1% | +71.7% |
| 10-Year ReturnCumulative with dividends | -59.6% | +193.8% |
| CAGR (3Y)Annualised 3-year return | -41.9% | +22.4% |
Risk & Volatility
SAP is the less volatile stock with a 0.86 beta — it tends to amplify market swings less than MRT's 1.01 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 MRT's 53.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | MRTMarti Technologie… | SAPSAP SE |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.01x | 0.86x |
| 52-Week HighHighest price in past year | $3.79 | $313.28 |
| 52-Week LowLowest price in past year | $1.97 | $189.22 |
| % of 52W HighCurrent price vs 52-week peak | +53.6% | +64.3% |
| RSI (14)Momentum oscillator 0–100 | 44.2 | 45.3 |
| Avg Volume (50D)Average daily shares traded | 41K | 2.4M |
Analyst Outlook
Consensus price targets imply 183.3% upside for MRT (target: $6) vs 106.1% for SAP (target: $415). SAP is the only dividend payer here at 1.31% yield — a key consideration for income-focused portfolios.
| Metric | MRTMarti Technologie… | SAPSAP SE |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | $5.75 | $415.33 |
| # AnalystsCovering analysts | — | 43 |
| Dividend YieldAnnual dividend ÷ price | — | +1.3% |
| Dividend StreakConsecutive years of raises | — | 2 |
| Dividend / ShareAnnual DPS | — | $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 | Aug 21 | Feb 26 | Change |
|---|---|---|---|
| Marti Technologies,… (MRT) | 100 | 20.62 | -79.4% |
| SAP SE (SAP) | 100 | 138.05 | +38.1% |
SAP SE (SAP) returned +72% over 5 years vs Marti Technologies,… (MRT)'s -79%. 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 |
|---|---|---|---|
| Marti Technologies,… (MRT) | $10M | $19M | +91.1% |
| 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 |
|---|---|---|---|
| Marti Technologies,… (MRT) | -47.4% | -4.0% | +91.7% |
| 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 |
|---|---|---|---|
| Marti Technologies,… (MRT) | -0.13 | -1.25 | -861.5% |
| 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
Marti Technologies, Inc. generated $-25M FCF in 2024 (-967% vs 2021). SAP SE generated $8B FCF in 2025 (+44% vs 2021).
MRT vs SAP: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is MRT or SAP a better buy right now?
SAP SE (SAP) offers the better valuation at 28.5x trailing P/E (27.8x forward), 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 is the better long-term investment — MRT or SAP?
Over the past 5 years, SAP SE (SAP) delivered a total return of +71.7%, compared to -79.1% for Marti Technologies, Inc. (MRT). 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 MRT's -59.6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — MRT or SAP?
By beta (market sensitivity over 5 years), SAP SE (SAP) is the lower-risk stock at 0.86β versus Marti Technologies, Inc.'s 1.01β — meaning MRT is approximately 18% more volatile than SAP relative to the S&P 500.
04Which has better profit margins — MRT or SAP?
SAP SE (SAP) is the more profitable company, earning 19.9% net margin versus -395.9% for Marti Technologies, 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 -350.0% for MRT. At the gross margin level — before operating expenses — SAP leads at 73.5%, 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.
05Is MRT or SAP more undervalued right now?
Analyst consensus price targets imply the most upside for MRT: 183.3% to $5.75.
06Which pays a better dividend — MRT or SAP?
In this comparison, SAP (1.3% yield) pays a dividend. MRT does not pay a meaningful dividend and should not be held primarily for income.
07Is MRT 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%, MRT: -59.6%), 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 MRT 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. SAP pays a dividend while MRT does not, making them suitable for different income and tax situations. 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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