Comprehensive Stock Comparison
Compare Future FinTech Group Inc. (FTFT) 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 FTFT's -90.1% |
| Quality / Margins | SAP | 19.9% net margin vs FTFT's -15.3% |
| Stability / Safety | FTFT | Beta 0.78 vs SAP's 0.86, lower leverage |
| Dividends | SAP | 1.3% yield; 2-year raise streak; FTFT pays no meaningful dividend |
| Momentum (1Y) | SAP | -25.8% vs FTFT's -26.2% |
| Efficiency (ROA) | SAP | 10.4% ROA vs FTFT's -50.9%, ROIC 16.1% vs -141.0% |
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
Future FinTech Group is a diversified technology company operating blockchain-based e-commerce platforms and financial technology services. It generates revenue through shared shopping mall membership fees, fruit product sales, goods sales, and supply chain financing—with its blockchain e-commerce platform Chain Cloud Mall being a core offering. The company's competitive advantage lies in its early integration of blockchain technology into e-commerce and financial services, though its diverse operations across multiple segments create a complex business model.
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). FTFT leads in 1 (Valuation Metrics). 1 tied.
Financial Metrics (TTM)
SAP and FTFT operate at a comparable scale, with $36.7B and -$10M in trailing revenue. SAP is the more profitable business, keeping 19.9% of every revenue dollar as net income compared to FTFT's -15.3%. On growth, SAP holds the edge at +2.3% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | FTFTFuture FinTech Gr… | SAPSAP SE |
|---|---|---|
| RevenueTrailing 12 months | -$10M | $36.7B |
| EBITDAEarnings before interest/tax | -$59M | $11.5B |
| Net IncomeAfter-tax profit | -$28M | $7.3B |
| Free Cash FlowCash after capex | -$7M | $8.4B |
| Gross MarginGross profit ÷ Revenue | +58.9% | +73.3% |
| Operating MarginEBIT ÷ Revenue | -15.7% | +27.0% |
| Net MarginNet income ÷ Revenue | -15.3% | +19.9% |
| FCF MarginFCF ÷ Revenue | -5.2% | +22.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | -74.4% | +2.3% |
| EPS Growth (YoY)Latest quarter vs prior year | +86.4% | +14.7% |
Valuation Metrics
| Metric | FTFTFuture FinTech Gr… | SAPSAP SE |
|---|---|---|
| Market CapShares × price | $30M | $234.7B |
| Enterprise ValueMkt cap + debt − cash | $26M | $234.5B |
| Trailing P/EPrice ÷ TTM EPS | -0.09x | 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 | 13.91x | 5.63x |
| Price / BookPrice ÷ Book value/share | 0.25x | 4.44x |
| Price / FCFMarket cap ÷ FCF | — | 25.07x |
Profitability & Efficiency
SAP delivers a 16.2% return on equity — every $100 of shareholder capital generates $16 in annual profit, vs $-64 for FTFT. FTFT carries lower financial leverage with a 0.09x 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 FTFT's 2/9, reflecting strong financial health.
| Metric | FTFTFuture FinTech Gr… | SAPSAP SE |
|---|---|---|
| ROE (TTM)Return on equity | -63.8% | +16.2% |
| ROA (TTM)Return on assets | -50.9% | +10.4% |
| ROICReturn on invested capital | -141.0% | +16.1% |
| ROCEReturn on capital employed | -121.1% | +18.3% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 9 |
| Debt / EquityFinancial leverage | 0.09x | 0.18x |
| Net DebtTotal debt minus cash | -$4M | -$149M |
| Cash & Equiv.Liquid assets | $5M | $8.2B |
| Total DebtShort + long-term debt | $1M | $8.1B |
| Interest CoverageEBIT ÷ Interest expense | -816.53x | 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 $52 for FTFT. Over the past 12 months, SAP leads with a -25.8% total return vs FTFT's -26.2%. The 3-year compound annual growth rate (CAGR) favors SAP at 22.4% vs FTFT's -56.2% — a key indicator of consistent wealth creation.
| Metric | FTFTFuture FinTech Gr… | SAPSAP SE |
|---|---|---|
| YTD ReturnYear-to-date | +98.7% | -14.9% |
| 1-Year ReturnPast 12 months | -26.2% | -25.8% |
| 3-Year ReturnCumulative with dividends | -91.6% | +83.4% |
| 5-Year ReturnCumulative with dividends | -99.5% | +71.7% |
| 10-Year ReturnCumulative with dividends | -99.2% | +193.8% |
| CAGR (3Y)Annualised 3-year return | -56.2% | +22.4% |
Risk & Volatility
FTFT is the less volatile stock with a 0.78 beta — it tends to amplify market swings less than SAP'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 FTFT's 29.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FTFTFuture FinTech Gr… | SAPSAP SE |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.78x | 0.86x |
| 52-Week HighHighest price in past year | $5.00 | $313.28 |
| 52-Week LowLowest price in past year | $0.56 | $189.22 |
| % of 52W HighCurrent price vs 52-week peak | +29.8% | +64.3% |
| RSI (14)Momentum oscillator 0–100 | 32.7 | 45.3 |
| Avg Volume (50D)Average daily shares traded | 41K | 2.4M |
Analyst Outlook
SAP is the only dividend payer here at 1.31% yield — a key consideration for income-focused portfolios.
| Metric | FTFTFuture FinTech Gr… | 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 | 1 | 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 |
|---|---|---|---|
| Future FinTech Grou… (FTFT) | 100 | 5.02 | -95.0% |
| SAP SE (SAP) | 100 | 163.78 | +63.8% |
SAP SE (SAP) returned +72% over 5 years vs Future FinTech Grou… (FTFT)'s -99%. 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 |
|---|---|---|---|
| Future FinTech Grou… (FTFT) | $34M | $2M | -93.7% |
| 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 |
|---|---|---|---|
| Future FinTech Grou… (FTFT) | -15.4% | -15.3% | +0.7% |
| 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 |
|---|---|---|---|
| Future FinTech Grou… (FTFT) | -13.3 | -15.7 | -18.0% |
| 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
Future FinTech Group Inc. generated $-11M FCF in 2024 (+46% vs 2021). SAP SE generated $8B FCF in 2025 (+44% vs 2021).
FTFT vs SAP: Frequently Asked Questions
7 questions · data-driven answers · updated daily
01Is FTFT 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 — FTFT or SAP?
Over the past 5 years, SAP SE (SAP) delivered a total return of +71.7%, compared to -99.5% for Future FinTech Group Inc. (FTFT). 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 FTFT's -99.2%. 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 — FTFT or SAP?
By beta (market sensitivity over 5 years), Future FinTech Group Inc. (FTFT) is the lower-risk stock at 0.78β versus SAP SE's 0.86β — meaning SAP is approximately 9% more volatile than FTFT relative to the S&P 500. On balance sheet safety, Future FinTech Group Inc. (FTFT) carries a lower debt/equity ratio of 9% versus 18% for SAP SE — giving it more financial flexibility in a downturn.
04Which has better profit margins — FTFT or SAP?
SAP SE (SAP) is the more profitable company, earning 19.9% net margin versus -1527.2% for Future FinTech Group 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 -1571.4% for FTFT. 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.
05Which pays a better dividend — FTFT or SAP?
In this comparison, SAP (1.3% yield) pays a dividend. FTFT does not pay a meaningful dividend and should not be held primarily for income.
06Is FTFT 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%, FTFT: -99.2%), 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.
07What are the main differences between FTFT 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 FTFT 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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