Comprehensive Stock Comparison
Compare SS&C Technologies Holdings, Inc. (SSNC) 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 | SSNC | 6.6% revenue growth vs SAP's 3.4% |
| Value | SSNC | Lower P/E (11.0x vs 27.8x), PEG 1.82 vs 4.20 |
| Quality / Margins | SAP | 19.9% net margin vs SSNC's 13.9% |
| Stability / Safety | SAP | Beta 0.86 vs SSNC's 0.89 |
| Dividends | SSNC | 1.3% yield, 12-year raise streak, vs SAP's 1.3% |
| Momentum (1Y) | SSNC | -14.3% vs SAP's -25.8% |
| Efficiency (ROA) | SAP | 10.4% ROA vs SSNC's 4.4%, ROIC 16.1% vs 10.8% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
SS&C Technologies is a financial technology company that provides specialized software and software-enabled services to the financial services and healthcare industries. It generates revenue primarily through recurring software licensing fees and service contracts — with its financial services segment contributing roughly 90% of revenue — while its healthcare solutions make up the remainder. The company's competitive advantage lies in its deep domain expertise and comprehensive technology stack that creates high switching costs for clients who rely on its systems for mission-critical operations.
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
SSNC leads in 2 of 6 categories (Valuation Metrics, Analyst Outlook). SAP leads in 2 (Profitability & Efficiency, Total Returns). 2 tied.
Financial Metrics (TTM)
SAP is the larger business by revenue, generating $36.7B annually — 6.0x SSNC's $6.1B. SAP is the more profitable business, keeping 19.9% of every revenue dollar as net income compared to SSNC's 13.9%. On growth, SSNC holds the edge at +7.0% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | SSNCSS&C Technologies… | SAPSAP SE |
|---|---|---|
| RevenueTrailing 12 months | $6.1B | $36.7B |
| EBITDAEarnings before interest/tax | $2.1B | $11.5B |
| Net IncomeAfter-tax profit | $852M | $7.3B |
| Free Cash FlowCash after capex | $1.6B | $8.4B |
| Gross MarginGross profit ÷ Revenue | +48.6% | +73.3% |
| Operating MarginEBIT ÷ Revenue | +23.2% | +27.0% |
| Net MarginNet income ÷ Revenue | +13.9% | +19.9% |
| FCF MarginFCF ÷ Revenue | +26.4% | +22.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +7.0% | +2.3% |
| EPS Growth (YoY)Latest quarter vs prior year | +27.7% | +14.7% |
Valuation Metrics
At 23.9x trailing earnings, SSNC trades at a 16% valuation discount to SAP's 28.5x P/E. Adjusting for growth (PEG ratio), SSNC offers better value at 3.96x vs SAP's 4.32x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | SSNCSS&C Technologies… | SAPSAP SE |
|---|---|---|
| Market CapShares × price | $18.3B | $234.7B |
| Enterprise ValueMkt cap + debt − cash | $18.1B | $234.5B |
| Trailing P/EPrice ÷ TTM EPS | 23.90x | 28.52x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.97x | 27.77x |
| PEG RatioP/E ÷ EPS growth rate | 3.96x | 4.32x |
| EV / EBITDAEnterprise value multiple | 12.60x | 17.84x |
| Price / SalesMarket cap ÷ Revenue | 2.92x | 5.63x |
| Price / BookPrice ÷ Book value/share | 2.75x | 4.44x |
| Price / FCFMarket cap ÷ FCF | 11.02x | 25.07x |
Profitability & Efficiency
SAP delivers a 16.2% return on equity — every $100 of shareholder capital generates $16 in annual profit, vs $12 for SSNC. SSNC carries lower financial leverage with a 0.03x debt-to-equity ratio, signaling a more conservative balance sheet compared to SAP's 0.18x. On the Piotroski fundamental quality scale (0–9), SAP scores 9/9 vs SSNC's 5/9, reflecting strong financial health.
| Metric | SSNCSS&C Technologies… | SAPSAP SE |
|---|---|---|
| ROE (TTM)Return on equity | +12.2% | +16.2% |
| ROA (TTM)Return on assets | +4.4% | +10.4% |
| ROICReturn on invested capital | +10.8% | +16.1% |
| ROCEReturn on capital employed | +9.5% | +18.3% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 9 |
| Debt / EquityFinancial leverage | 0.03x | 0.18x |
| Net DebtTotal debt minus cash | -$224M | -$149M |
| Cash & Equiv.Liquid assets | $462M | $8.2B |
| Total DebtShort + long-term debt | $238M | $8.1B |
| Interest CoverageEBIT ÷ Interest expense | 3.27x | 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 $11,876 for SSNC. Over the past 12 months, SSNC leads with a -14.3% total return vs SAP's -25.8%. The 3-year compound annual growth rate (CAGR) favors SAP at 22.4% vs SSNC's 10.0% — a key indicator of consistent wealth creation.
| Metric | SSNCSS&C Technologies… | SAPSAP SE |
|---|---|---|
| YTD ReturnYear-to-date | -12.2% | -14.9% |
| 1-Year ReturnPast 12 months | -14.3% | -25.8% |
| 3-Year ReturnCumulative with dividends | +33.2% | +83.4% |
| 5-Year ReturnCumulative with dividends | +18.8% | +71.7% |
| 10-Year ReturnCumulative with dividends | +179.4% | +193.8% |
| CAGR (3Y)Annualised 3-year return | +10.0% | +22.4% |
Risk & Volatility
SAP is the less volatile stock with a 0.86 beta — it tends to amplify market swings less than SSNC's 0.89 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SSNC currently trades 82.7% from its 52-week high vs SAP's 64.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SSNCSS&C Technologies… | SAPSAP SE |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.89x | 0.86x |
| 52-Week HighHighest price in past year | $91.07 | $313.28 |
| 52-Week LowLowest price in past year | $69.00 | $189.22 |
| % of 52W HighCurrent price vs 52-week peak | +82.7% | +64.3% |
| RSI (14)Momentum oscillator 0–100 | 47.7 | 45.3 |
| Avg Volume (50D)Average daily shares traded | 1.6M | 2.4M |
Analyst Outlook
Wall Street rates SSNC as "Buy" and SAP as "Buy". Consensus price targets imply 106.1% upside for SAP (target: $415) vs 34.3% for SSNC (target: $101). For income investors, SSNC offers the higher dividend yield at 1.33% vs SAP's 1.31%.
| Metric | SSNCSS&C Technologies… | SAPSAP SE |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $101.14 | $415.33 |
| # AnalystsCovering analysts | 24 | 43 |
| Dividend YieldAnnual dividend ÷ price | +1.3% | +1.3% |
| Dividend StreakConsecutive years of raises | 12 | 2 |
| Dividend / ShareAnnual DPS | $1.00 | $2.24 |
| Buyback YieldShare repurchases ÷ mkt cap | +5.7% | +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 |
|---|---|---|---|
| SS&C Technologies H… (SSNC) | 100 | 142.65 | +42.7% |
| SAP SE (SAP) | 100 | 163.78 | +63.8% |
SAP SE (SAP) returned +72% over 5 years vs SS&C Technologies H… (SSNC)'s +19%. 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 |
|---|---|---|---|
| SS&C Technologies H… (SSNC) | $1.5B | $6.3B | +323.4% |
| SAP SE (SAP) | $22.1B | $35.3B | +60.2% |
SS&C Technologies Holdings, Inc.'s revenue grew from $1.5B (2016) to $6.3B (2025) — a 17.4% CAGR. 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 |
|---|---|---|---|
| SS&C Technologies H… (SSNC) | 8.8% | 12.7% | +43.7% |
| SAP SE (SAP) | 16.5% | 19.9% | +20.6% |
SS&C Technologies Holdings, Inc.'s net margin went from 9% (2016) to 13% (2025). SAP SE's net margin went from 17% (2016) to 20% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| SS&C Technologies H… (SSNC) | 26.1 | 27.8 | +6.5% |
| SAP SE (SAP) | 33.5 | 40.6 | +21.2% |
SS&C Technologies Holdings, Inc. has traded in a 21x–107x P/E range over 9 years; current trailing P/E is ~24x. 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 |
|---|---|---|---|
| SS&C Technologies H… (SSNC) | 0.64 | 3.15 | +392.2% |
| SAP SE (SAP) | 3.03 | 5.99 | +97.7% |
SS&C Technologies Holdings, Inc.'s EPS grew from $0.64 (2016) to $3.15 (2025) — a 19% CAGR. SAP SE's EPS grew from $3.03 (2016) to $5.99 (2025) — a 8% CAGR.
Chart 6Free Cash Flow — 5 Years
SS&C Technologies Holdings, Inc. generated $2B FCF in 2025 (+29% vs 2021). SAP SE generated $8B FCF in 2025 (+44% vs 2021).
SSNC vs SAP: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is SSNC or SAP a better buy right now?
SS&C Technologies Holdings, Inc. (SSNC) offers the better valuation at 23.9x trailing P/E (11.0x forward), making it the more compelling value choice. Analysts rate SS&C Technologies Holdings, Inc. (SSNC) a "Buy" — based on 24 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 — SSNC or SAP?
On trailing P/E, SS&C Technologies Holdings, Inc. (SSNC) is the cheapest at 23.9x versus SAP SE at 28.5x. On forward P/E, SS&C Technologies Holdings, Inc. is actually cheaper at 11.0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: SS&C Technologies Holdings, Inc. wins at 1.82x versus SAP SE's 4.20x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — SSNC or SAP?
Over the past 5 years, SAP SE (SAP) delivered a total return of +71.7%, compared to +18.8% for SS&C Technologies Holdings, Inc. (SSNC). 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 SSNC's +179.4%. 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 — SSNC or SAP?
By beta (market sensitivity over 5 years), SAP SE (SAP) is the lower-risk stock at 0.86β versus SS&C Technologies Holdings, Inc.'s 0.89β — meaning SSNC is approximately 4% more volatile than SAP relative to the S&P 500. On balance sheet safety, SS&C Technologies Holdings, Inc. (SSNC) carries a lower debt/equity ratio of 3% versus 18% for SAP SE — giving it more financial flexibility in a downturn.
05Which has better profit margins — SSNC or SAP?
SAP SE (SAP) is the more profitable company, earning 19.9% net margin versus 12.7% for SS&C Technologies Holdings, 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 22.9% for SSNC. 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.
06Is SSNC or SAP more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential. By this metric, SS&C Technologies Holdings, Inc. (SSNC) is the more undervalued stock at a PEG of 1.82x versus SAP SE's 4.20x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, SS&C Technologies Holdings, Inc. (SSNC) trades at 11.0x forward P/E versus 27.8x for SAP SE — 16.8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for SAP: 106.1% to $415.33.
07Which pays a better dividend — SSNC or SAP?
All stocks in this comparison pay dividends. SS&C Technologies Holdings, Inc. (SSNC) offers the highest yield at 1.3%, versus 1.3% for SAP SE (SAP).
08Is SSNC 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%, SSNC: +179.4%), 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.
09What are the main differences between SSNC 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. 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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