Comprehensive Stock Comparison
Compare Daily Journal Corporation (DJCO) 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 | DJCO | 25.4% revenue growth vs SAP's 3.4% |
| Value | DJCO | Lower P/E (6.3x vs 27.8x), PEG 0.07 vs 4.20 |
| Quality / Margins | DJCO | 104.2% net margin vs SAP's 19.9% |
| Stability / Safety | SAP | Beta 0.86 vs DJCO's 0.98 |
| Dividends | SAP | 1.3% yield; 2-year raise streak; DJCO pays no meaningful dividend |
| Momentum (1Y) | DJCO | +29.6% vs SAP's -25.8% |
| Efficiency (ROA) | DJCO | 17.6% ROA vs SAP's 10.4%, ROIC 2.1% vs 16.1% |
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
Daily Journal Corporation is a diversified company operating both traditional newspaper publishing and specialized court software businesses. It generates revenue from newspaper advertising and subscriptions (Traditional Business segment) and from selling case management software systems to courts and justice agencies (Journal Technologies segment). The company's key advantage lies in its specialized legal software expertise—particularly its browser-based court processing systems—which serve a niche market with high switching costs.
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 2 of 6 categories (Financial Metrics, Total Returns). DJCO leads in 2 (Profitability & Efficiency, Analyst Outlook). 2 tied.
Financial Metrics (TTM)
SAP is the larger business by revenue, generating $36.7B annually — 410.0x DJCO's $90M. DJCO is the more profitable business, keeping 104.2% of every revenue dollar as net income compared to SAP's 19.9%. On growth, DJCO holds the edge at +10.4% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | DJCODaily Journal Cor… | SAPSAP SE |
|---|---|---|
| RevenueTrailing 12 months | $90M | $36.7B |
| EBITDAEarnings before interest/tax | $10M | $11.5B |
| Net IncomeAfter-tax profit | $93M | $7.3B |
| Free Cash FlowCash after capex | $9M | $8.4B |
| Gross MarginGross profit ÷ Revenue | +39.3% | +73.3% |
| Operating MarginEBIT ÷ Revenue | +10.3% | +27.0% |
| Net MarginNet income ÷ Revenue | +104.2% | +19.9% |
| FCF MarginFCF ÷ Revenue | +10.2% | +22.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +10.4% | +2.3% |
| EPS Growth (YoY)Latest quarter vs prior year | -173.2% | +14.7% |
Valuation Metrics
At 6.3x trailing earnings, DJCO trades at a 78% valuation discount to SAP's 28.5x P/E. Adjusting for growth (PEG ratio), DJCO offers better value at 0.07x vs SAP's 4.32x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | DJCODaily Journal Cor… | SAPSAP SE |
|---|---|---|
| Market CapShares × price | $920M | $234.7B |
| Enterprise ValueMkt cap + debt − cash | $922M | $234.5B |
| Trailing P/EPrice ÷ TTM EPS | 6.26x | 28.52x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 27.77x |
| PEG RatioP/E ÷ EPS growth rate | 0.07x | 4.32x |
| EV / EBITDAEnterprise value multiple | 94.24x | 17.84x |
| Price / SalesMarket cap ÷ Revenue | 10.49x | 5.63x |
| Price / BookPrice ÷ Book value/share | 1.79x | 4.44x |
| Price / FCFMarket cap ÷ FCF | 69.02x | 25.07x |
Profitability & Efficiency
DJCO delivers a 24.3% return on equity — every $100 of shareholder capital generates $24 in annual profit, vs $16 for SAP. DJCO carries lower financial leverage with a 0.06x 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 DJCO's 6/9, reflecting strong financial health.
| Metric | DJCODaily Journal Cor… | SAPSAP SE |
|---|---|---|
| ROE (TTM)Return on equity | +24.3% | +16.2% |
| ROA (TTM)Return on assets | +17.6% | +10.4% |
| ROICReturn on invested capital | +2.1% | +16.1% |
| ROCEReturn on capital employed | +2.2% | +18.3% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 9 |
| Debt / EquityFinancial leverage | 0.06x | 0.18x |
| Net DebtTotal debt minus cash | $2M | -$149M |
| Cash & Equiv.Liquid assets | $21M | $8.2B |
| Total DebtShort + long-term debt | $23M | $8.1B |
| Interest CoverageEBIT ÷ Interest expense | 110.03x | 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 $14,645 for DJCO. Over the past 12 months, DJCO leads with a +29.6% total return vs SAP's -25.8%. The 3-year compound annual growth rate (CAGR) favors SAP at 22.4% vs DJCO's 18.8% — a key indicator of consistent wealth creation.
| Metric | DJCODaily Journal Cor… | SAPSAP SE |
|---|---|---|
| YTD ReturnYear-to-date | +1.5% | -14.9% |
| 1-Year ReturnPast 12 months | +29.6% | -25.8% |
| 3-Year ReturnCumulative with dividends | +67.8% | +83.4% |
| 5-Year ReturnCumulative with dividends | +46.5% | +71.7% |
| 10-Year ReturnCumulative with dividends | +161.5% | +193.8% |
| CAGR (3Y)Annualised 3-year return | +18.8% | +22.4% |
Risk & Volatility
SAP is the less volatile stock with a 0.86 beta — it tends to amplify market swings less than DJCO's 0.98 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. DJCO currently trades 75.5% from its 52-week high vs SAP's 64.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | DJCODaily Journal Cor… | SAPSAP SE |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.98x | 0.86x |
| 52-Week HighHighest price in past year | $674.75 | $313.28 |
| 52-Week LowLowest price in past year | $348.63 | $189.22 |
| % of 52W HighCurrent price vs 52-week peak | +75.5% | +64.3% |
| RSI (14)Momentum oscillator 0–100 | 48.2 | 45.3 |
| Avg Volume (50D)Average daily shares traded | 67K | 2.4M |
Analyst Outlook
SAP is the only dividend payer here at 1.31% yield — a key consideration for income-focused portfolios.
| Metric | DJCODaily Journal Cor… | SAPSAP SE |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $415.33 |
| # AnalystsCovering analysts | — | 43 |
| Dividend YieldAnnual dividend ÷ price | — | +1.3% |
| Dividend StreakConsecutive years of raises | 4 | 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 | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Daily Journal Corpo… (DJCO) | 100 | 222.44 | +122.4% |
| SAP SE (SAP) | 100 | 163.78 | +63.8% |
SAP SE (SAP) returned +72% over 5 years vs Daily Journal Corpo… (DJCO)'s +46%. 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 |
|---|---|---|---|
| Daily Journal Corpo… (DJCO) | $42M | $88M | +110.8% |
| SAP SE (SAP) | $22.1B | $35.3B | +60.2% |
Daily Journal Corporation's revenue grew from $42M (2016) to $88M (2025) — a 8.6% 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 |
|---|---|---|---|
| Daily Journal Corpo… (DJCO) | -2.5% | 127.9% | +5201.3% |
| SAP SE (SAP) | 16.5% | 19.9% | +20.6% |
Daily Journal Corporation's net margin went from -3% (2016) to 128% (2025). SAP SE's net margin went from 17% (2016) to 20% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Daily Journal Corpo… (DJCO) | 39.4 | 6 | -84.8% |
| SAP SE (SAP) | 33.5 | 40.6 | +21.2% |
Daily Journal Corporation has traded in a 4x–138x P/E range over 6 years; current trailing P/E is ~6x. 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 |
|---|---|---|---|
| Daily Journal Corpo… (DJCO) | -0.76 | 81.41 | +10811.8% |
| SAP SE (SAP) | 3.03 | 5.99 | +97.7% |
Daily Journal Corporation's EPS grew from $-0.76 (2016) to $81.41 (2025). SAP SE's EPS grew from $3.03 (2016) to $5.99 (2025) — a 8% CAGR.
Chart 6Free Cash Flow — 5 Years
Daily Journal Corporation generated $13M FCF in 2025 (+309% vs 2021). SAP SE generated $8B FCF in 2025 (+44% vs 2021).
DJCO vs SAP: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is DJCO or SAP a better buy right now?
Daily Journal Corporation (DJCO) offers the better valuation at 6.3x 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 — DJCO or SAP?
On trailing P/E, Daily Journal Corporation (DJCO) is the cheapest at 6.3x versus SAP SE at 28.5x.
03Which is the better long-term investment — DJCO or SAP?
Over the past 5 years, SAP SE (SAP) delivered a total return of +71.7%, compared to +46.5% for Daily Journal Corporation (DJCO). 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 DJCO's +161.5%. 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 — DJCO or SAP?
By beta (market sensitivity over 5 years), SAP SE (SAP) is the lower-risk stock at 0.86β versus Daily Journal Corporation's 0.98β — meaning DJCO is approximately 14% more volatile than SAP relative to the S&P 500. On balance sheet safety, Daily Journal Corporation (DJCO) carries a lower debt/equity ratio of 6% versus 18% for SAP SE — giving it more financial flexibility in a downturn.
05Which has better profit margins — DJCO or SAP?
Daily Journal Corporation (DJCO) is the more profitable company, earning 127.9% net margin versus 19.9% for SAP SE — meaning it keeps 127.9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SAP leads at 28.0% versus 10.9% for DJCO. 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.
06Which pays a better dividend — DJCO or SAP?
In this comparison, SAP (1.3% yield) pays a dividend. DJCO does not pay a meaningful dividend and should not be held primarily for income.
07Is DJCO 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%, DJCO: +161.5%), 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 DJCO 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: DJCO is a small-cap deep-value stock; SAP is a large-cap quality compounder stock. SAP pays a dividend while DJCO 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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