Comprehensive Stock Comparison
Compare Life360, Inc. (LIF) 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 | LIF | 22.0% revenue growth vs SAP's 3.4% |
| Value | SAP | Lower P/E (27.8x vs 37.7x) |
| Quality / Margins | SAP | 19.9% net margin vs LIF's 6.5% |
| Stability / Safety | SAP | Beta 0.86 vs LIF's 1.79 |
| Dividends | SAP | 1.3% yield; 2-year raise streak; LIF pays no meaningful dividend |
| Momentum (1Y) | LIF | +16.5% vs SAP's -25.8% |
| Efficiency (ROA) | SAP | 10.4% ROA vs LIF's 3.8%, ROIC 16.1% vs -3.1% |
Who Each Stock Is For
Income & stability
Growth exposure
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Life360 operates a family safety platform that provides location tracking and emergency services through mobile apps and connected devices. It generates revenue primarily through subscription services — including premium app features and hardware warranties — along with hardware sales of Tile tracking devices. The company's competitive advantage lies in its comprehensive ecosystem that combines software, hardware, and network effects within family groups.
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
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
SAP leads in 3 of 6 categories — strongest in Valuation Metrics and Profitability & Efficiency. 2 categories are tied.
Financial Metrics (TTM)
SAP is the larger business by revenue, generating $36.7B annually — 80.0x LIF's $459M. SAP is the more profitable business, keeping 19.9% of every revenue dollar as net income compared to LIF's 6.5%. On growth, LIF holds the edge at +34.1% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | LIFLife360, Inc. | SAPSAP SE |
|---|---|---|
| RevenueTrailing 12 months | $459M | $36.7B |
| EBITDAEarnings before interest/tax | $29M | $11.5B |
| Net IncomeAfter-tax profit | $30M | $7.3B |
| Free Cash FlowCash after capex | $61M | $8.4B |
| Gross MarginGross profit ÷ Revenue | +77.7% | +73.3% |
| Operating MarginEBIT ÷ Revenue | +3.4% | +27.0% |
| Net MarginNet income ÷ Revenue | +6.5% | +19.9% |
| FCF MarginFCF ÷ Revenue | +13.4% | +22.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +34.1% | +2.3% |
| EPS Growth (YoY)Latest quarter vs prior year | +17.4% | +14.7% |
Valuation Metrics
On an enterprise value basis, SAP's 17.8x EV/EBITDA is more attractive than LIF's 1860.9x.
| Metric | LIFLife360, Inc. | SAPSAP SE |
|---|---|---|
| Market CapShares × price | $4.1B | $234.7B |
| Enterprise ValueMkt cap + debt − cash | $4.0B | $234.5B |
| Trailing P/EPrice ÷ TTM EPS | -833.07x | 28.52x |
| Forward P/EPrice ÷ next-FY EPS est. | 37.69x | 27.77x |
| PEG RatioP/E ÷ EPS growth rate | — | 4.32x |
| EV / EBITDAEnterprise value multiple | 1860.89x | 17.84x |
| Price / SalesMarket cap ÷ Revenue | 11.11x | 5.63x |
| Price / BookPrice ÷ Book value/share | 10.59x | 4.44x |
| Price / FCFMarket cap ÷ FCF | 150.21x | 25.07x |
Profitability & Efficiency
SAP delivers a 16.2% return on equity — every $100 of shareholder capital generates $16 in annual profit, vs $8 for LIF. LIF carries lower financial leverage with a 0.00x 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 LIF's 6/9, reflecting strong financial health.
| Metric | LIFLife360, Inc. | SAPSAP SE |
|---|---|---|
| ROE (TTM)Return on equity | +7.6% | +16.2% |
| ROA (TTM)Return on assets | +3.8% | +10.4% |
| ROICReturn on invested capital | -3.1% | +16.1% |
| ROCEReturn on capital employed | -2.6% | +18.3% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 9 |
| Debt / EquityFinancial leverage | 0.00x | 0.18x |
| Net DebtTotal debt minus cash | -$159M | -$149M |
| Cash & Equiv.Liquid assets | $159M | $8.2B |
| Total DebtShort + long-term debt | $723,000 | $8.1B |
| Interest CoverageEBIT ÷ Interest expense | — | 8.94x |
Total Returns (with DRIP)
Over the past 12 months, LIF leads with a +16.5% total return vs SAP's -25.8%.
| Metric | LIFLife360, Inc. | SAPSAP SE |
|---|---|---|
| YTD ReturnYear-to-date | -18.2% | -14.9% |
| 1-Year ReturnPast 12 months | +16.5% | -25.8% |
| 3-Year ReturnCumulative with dividends | — | +83.4% |
| 5-Year ReturnCumulative with dividends | — | +71.7% |
| 10-Year ReturnCumulative with dividends | — | +193.8% |
| CAGR (3Y)Annualised 3-year return | — | +22.4% |
Risk & Volatility
SAP is the less volatile stock with a 0.86 beta — it tends to amplify market swings less than LIF's 1.79 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 LIF's 46.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | LIFLife360, Inc. | SAPSAP SE |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.79x | 0.86x |
| 52-Week HighHighest price in past year | $112.54 | $313.28 |
| 52-Week LowLowest price in past year | $29.62 | $189.22 |
| % of 52W HighCurrent price vs 52-week peak | +46.8% | +64.3% |
| RSI (14)Momentum oscillator 0–100 | 45.3 | 45.3 |
| Avg Volume (50D)Average daily shares traded | 870K | 2.4M |
Analyst Outlook
Wall Street rates LIF as "Buy" and SAP as "Buy". Consensus price targets imply 106.1% upside for SAP (target: $415) vs 83.6% for LIF (target: $97). SAP is the only dividend payer here at 1.31% yield — a key consideration for income-focused portfolios.
| Metric | LIFLife360, Inc. | SAPSAP SE |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $96.67 | $415.33 |
| # AnalystsCovering analysts | 9 | 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 | Jun 24 | Feb 26 | Change |
|---|---|---|---|
| Life360, Inc. (LIF) | NaN | ∞ | NaN% |
| SAP SE (SAP) | 100 | 103.92 | +3.9% |
Life360, Inc. (LIF) returned +InfinityK% over 5 years vs SAP SE (SAP)'s +72%. A $10,000 investment in LIF 5 years ago would be worth $∞ today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Life360, Inc. (LIF) | $0.00 | $371M | — |
| 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 |
|---|---|---|---|
| Life360, Inc. (LIF) | -20.3% | -1.2% | +93.9% |
| 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 |
|---|---|---|---|
| Life360, Inc. (LIF) | -0.84 | -0.06 | +92.5% |
| 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
Life360, Inc. generated $27M FCF in 2024 (+325% vs 2021). SAP SE generated $8B FCF in 2025 (+44% vs 2021).
LIF vs SAP: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is LIF 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 Life360, Inc. (LIF) a "Buy" — based on 9 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 — LIF or SAP?
On forward P/E, SAP SE is actually cheaper at 27.8x.
03Which is safer — LIF or SAP?
By beta (market sensitivity over 5 years), SAP SE (SAP) is the lower-risk stock at 0.86β versus Life360, Inc.'s 1.79β — meaning LIF is approximately 109% more volatile than SAP relative to the S&P 500. On balance sheet safety, Life360, Inc. (LIF) carries a lower debt/equity ratio of 0% versus 18% for SAP SE — giving it more financial flexibility in a downturn.
04Which has better profit margins — LIF or SAP?
SAP SE (SAP) is the more profitable company, earning 19.9% net margin versus -1.2% for Life360, 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 -2.1% for LIF. At the gross margin level — before operating expenses — LIF leads at 75.1%, 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.
05Is LIF or SAP more undervalued right now?
On forward earnings alone, SAP SE (SAP) trades at 27.8x forward P/E versus 37.7x for Life360, Inc. — 9.9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for SAP: 106.1% to $415.33.
06Which pays a better dividend — LIF or SAP?
In this comparison, SAP (1.3% yield) pays a dividend. LIF does not pay a meaningful dividend and should not be held primarily for income.
07Is LIF 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). Life360, Inc. (LIF) carries a higher beta of 1.79 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between LIF 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 LIF 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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