Comprehensive Stock Comparison
Compare SAP SE (SAP) vs Uber Technologies, Inc. (UBER) vs Full Truck Alliance Co. Ltd. (YMM) vs QXO, Inc. (QXO) vs Tyler Technologies, Inc. (TYL) 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 | QXO | 119.3% revenue growth vs SAP's 3.4% |
| Value | YMM | Lower P/E (2.0x vs 61.6x) |
| Quality / Margins | YMM | 34.4% net margin vs QXO's -4.1% |
| Stability / Safety | TYL | Beta 0.68 vs QXO's 1.25, lower leverage |
| Dividends | QXO | 71.4% yield, 2-year raise streak, vs SAP's 1.3% |
| Momentum (1Y) | QXO | +88.0% vs TYL's -41.7% |
| Efficiency (ROA) | UBER | 16.3% ROA vs QXO's -1.8%, ROIC 13.6% vs -3.1% |
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
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.
Uber operates a global platform connecting riders with drivers for transportation and connecting consumers with restaurants and stores for delivery services. It generates revenue primarily from its Mobility segment — taking a commission from ride fares — and its Delivery segment — taking fees from restaurant and grocery orders, with both segments contributing roughly equal shares. Its key advantage is its massive two-sided network effect — the more drivers and restaurants on the platform, the better the service for consumers, creating a powerful moat that's difficult for competitors to replicate at scale.
Full Truck Alliance operates China's largest digital freight platform connecting shippers with truckers for efficient logistics matching. It generates revenue primarily from freight brokerage commissions and value-added services — including credit solutions, insurance brokerage, and energy services — with its core matching platform driving the majority of earnings. The company's network effects create a powerful moat, as its massive scale of shippers and truckers makes it increasingly difficult for competitors to match its liquidity and efficiency.
QXO is a business software and consulting firm that provides enterprise resource planning, accounting, and IT managed services to small and medium-sized businesses. It generates revenue through software licensing and subscriptions — primarily from its ERP and business management platforms — supplemented by consulting, training, and technical support services. The company's moat comes from its deep industry specialization in manufacturing and distribution sectors, where it offers integrated solutions that combine software with specialized consulting expertise.
Tyler Technologies is a software company that provides integrated information management solutions exclusively for the public sector — including government agencies, courts, schools, and utilities. It generates revenue primarily through enterprise software licensing and maintenance fees (roughly 70% of revenue), appraisal and tax software services (about 20%), and digital government services through its NIC segment (around 10%). The company's key competitive advantage is its deep specialization in public sector workflows — creating high switching costs through mission-critical, integrated systems that span entire government operations.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 5 stocks. BestLagging
Financial Scorecard
QXO leads in 2 of 6 categories (Valuation Metrics, Analyst Outlook). YMM leads in 1 (Financial Metrics). 3 tied.
Financial Metrics (TTM)
UBER is the larger business by revenue, generating $52.0B annually — 22.3x TYL's $2.3B. YMM is the more profitable business, keeping 34.4% of every revenue dollar as net income compared to QXO's -4.1%. On growth, QXO holds the edge at +147.8% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | SAPSAP SE | UBERUber Technologies… | YMMFull Truck Allian… | QXOQXO, Inc. | TYLTyler Technologie… |
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $36.7B | $52.0B | $12.1B | $6.8B | $2.3B |
| EBITDAEarnings before interest/tax | $11.5B | $6.3B | $4.0B | $60M | $462M |
| Net IncomeAfter-tax profit | $7.3B | $10.1B | $4.2B | -$279M | $316M |
| Free Cash FlowCash after capex | $8.4B | $9.8B | $0 | $183M | $638M |
| Gross MarginGross profit ÷ Revenue | +73.3% | +39.8% | +71.3% | +23.0% | +45.3% |
| Operating MarginEBIT ÷ Revenue | +27.0% | +10.7% | +32.4% | -3.6% | +15.3% |
| Net MarginNet income ÷ Revenue | +19.9% | +19.3% | +34.4% | -4.1% | +13.5% |
| FCF MarginFCF ÷ Revenue | +22.9% | +18.8% | +25.8% | +2.7% | +27.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | +2.3% | +20.1% | +17.2% | +147.8% | +6.3% |
| EPS Growth (YoY)Latest quarter vs prior year | +14.7% | -95.6% | +29.4% | -7.5% | +0.7% |
Valuation Metrics
At 16.0x trailing earnings, UBER trades at a 73% valuation discount to TYL's 58.6x P/E. Adjusting for growth (PEG ratio), SAP offers better value at 4.32x vs TYL's 5.51x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | SAPSAP SE | UBERUber Technologies… | YMMFull Truck Allian… | QXOQXO, Inc. | TYLTyler Technologie… |
|---|---|---|---|---|---|
| Market CapShares × price | $234.7B | $156.7B | $20.0B | $17.0B | $15.3B |
| Enterprise ValueMkt cap + debt − cash | $234.5B | $162.4B | $19.2B | $19.1B | $15.2B |
| Trailing P/EPrice ÷ TTM EPS | 28.52x | 16.01x | 21.89x | -38.02x | 58.63x |
| Forward P/EPrice ÷ next-FY EPS est. | 27.77x | 22.40x | 1.97x | 61.60x | 28.29x |
| PEG RatioP/E ÷ EPS growth rate | 4.32x | — | — | — | 5.51x |
| EV / EBITDAEnterprise value multiple | 17.84x | 25.77x | 51.48x | 107.27x | 33.54x |
| Price / SalesMarket cap ÷ Revenue | 5.63x | 3.01x | 12.21x | 2.48x | 7.14x |
| Price / BookPrice ÷ Book value/share | 4.44x | 5.66x | 1.76x | 0.02x | 4.55x |
| Price / FCFMarket cap ÷ FCF | 25.07x | 16.05x | 47.38x | 92.62x | 25.26x |
Profitability & Efficiency
UBER delivers a 35.8% return on equity — every $100 of shareholder capital generates $36 in annual profit, vs $-3 for QXO. YMM carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to UBER's 0.48x. On the Piotroski fundamental quality scale (0–9), SAP scores 9/9 vs QXO's 4/9, reflecting strong financial health.
| Metric | SAPSAP SE | UBERUber Technologies… | YMMFull Truck Allian… | QXOQXO, Inc. | TYLTyler Technologie… |
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +16.2% | +35.8% | +10.5% | -2.9% | +5.6% |
| ROA (TTM)Return on assets | +10.4% | +16.3% | +9.8% | -1.8% | +5.6% |
| ROICReturn on invested capital | +16.1% | +13.6% | +6.0% | -3.1% | +6.7% |
| ROCEReturn on capital employed | +18.3% | +12.5% | +6.7% | -2.5% | +7.7% |
| Piotroski ScoreFundamental quality 0–9 | 9 | 7 | 8 | 4 | 7 |
| Debt / EquityFinancial leverage | 0.18x | 0.48x | 0.00x | 0.46x | 0.19x |
| Net DebtTotal debt minus cash | -$149M | -$6.3B | -$5.7B | $2.1B | -$106M |
| Cash & Equiv.Liquid assets | $8.2B | $7.7B | $5.8B | $2.4B | $745M |
| Total DebtShort + long-term debt | $8.1B | $13.5B | $65M | $4.5B | $638M |
| Interest CoverageEBIT ÷ Interest expense | 8.94x | 17.29x | — | -1.79x | 124.09x |
Total Returns (with DRIP)
A $10,000 investment in SAP five years ago would be worth $17,166 today (with dividends reinvested), compared to $1,422 for QXO. Over the past 12 months, QXO leads with a +88.0% total return vs TYL's -41.7%. The 3-year compound annual growth rate (CAGR) favors UBER at 31.4% vs QXO's -38.0% — a key indicator of consistent wealth creation.
| Metric | SAPSAP SE | UBERUber Technologies… | YMMFull Truck Allian… | QXOQXO, Inc. | TYLTyler Technologie… |
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | -14.9% | -9.0% | -16.6% | +21.5% | -18.6% |
| 1-Year ReturnPast 12 months | -25.8% | -0.8% | -18.6% | +88.0% | -41.7% |
| 3-Year ReturnCumulative with dividends | +83.4% | +126.8% | +38.6% | -76.2% | +10.4% |
| 5-Year ReturnCumulative with dividends | +71.7% | +38.6% | -54.9% | -85.8% | -25.6% |
| 10-Year ReturnCumulative with dividends | +193.8% | +81.4% | -54.9% | -47.8% | +194.8% |
| CAGR (3Y)Annualised 3-year return | +22.4% | +31.4% | +11.5% | -38.0% | +3.4% |
Risk & Volatility
TYL is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than QXO's 1.25 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. QXO currently trades 86.7% from its 52-week high vs TYL's 56.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SAPSAP SE | UBERUber Technologies… | YMMFull Truck Allian… | QXOQXO, Inc. | TYLTyler Technologie… |
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.86x | 1.12x | 0.96x | 1.25x | 0.68x |
| 52-Week HighHighest price in past year | $313.28 | $101.99 | $14.07 | $27.61 | $626.56 |
| 52-Week LowLowest price in past year | $189.22 | $60.63 | $9.36 | $11.97 | $283.72 |
| % of 52W HighCurrent price vs 52-week peak | +64.3% | +73.9% | +66.7% | +86.7% | +56.6% |
| RSI (14)Momentum oscillator 0–100 | 45.3 | 47.6 | 39.9 | 47.5 | 48.7 |
| Avg Volume (50D)Average daily shares traded | 2.4M | 17.0M | 7.5M | 7.4M | 513K |
Analyst Outlook
Analyst consensus: SAP as "Buy", UBER as "Buy", YMM as "Buy", QXO as "Buy", TYL as "Buy". Consensus price targets imply 106.1% upside for SAP (target: $415) vs 24.4% for YMM (target: $12). For income investors, QXO offers the higher dividend yield at 71.38% vs SAP's 1.31%.
| Metric | SAPSAP SE | UBERUber Technologies… | YMMFull Truck Allian… | QXOQXO, Inc. | TYLTyler Technologie… |
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy | Buy | Buy | Buy |
| Price TargetConsensus 12-month target | $415.33 | $105.04 | $11.67 | $30.00 | $473.91 |
| # AnalystsCovering analysts | 43 | 61 | 3 | 3 | 35 |
| Dividend YieldAnnual dividend ÷ price | +1.3% | — | +1.6% | +71.4% | — |
| Dividend StreakConsecutive years of raises | 2 | — | 1 | 2 | 1 |
| Dividend / ShareAnnual DPS | $2.24 | — | $1.02 | $17.10 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +0.9% | +4.2% | +0.4% | 0.0% | 0.0% |
Historical Charts
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Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Jul 21 | Feb 26 | Change |
|---|---|---|---|
| SAP SE (SAP) | 100 | 147.48 | +47.5% |
| Uber Technologies, … (UBER) | 100 | 159.79 | +59.8% |
| Full Truck Alliance… (YMM) | 86.51 | 47.16 | -45.5% |
| QXO, Inc. (QXO) | 100 | 2.83 | -97.2% |
| Tyler Technologies,… (TYL) | 100 | 79.03 | -21.0% |
SAP SE (SAP) returned +72% over 5 years vs QXO, Inc. (QXO)'s -86%. 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 |
|---|---|---|---|
| SAP SE (SAP) | $22.1B | $35.3B | +60.2% |
| Uber Technologies, … (UBER) | $3.8B | $52.0B | +1252.8% |
| Full Truck Alliance… (YMM) | $2.5B | $11.2B | +354.4% |
| QXO, Inc. (QXO) | $34M | $6.8B | +19952.2% |
| Tyler Technologies,… (TYL) | $756M | $2.1B | +182.8% |
SAP SE's revenue grew from $22.1B (2016) to $35.3B (2025) — a 5.4% CAGR. Uber Technologies, Inc.'s revenue grew from $3.8B (2016) to $52.0B (2025) — a 33.6% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| SAP SE (SAP) | 16.5% | 19.9% | +20.6% |
| Uber Technologies, … (UBER) | -9.6% | 19.3% | +300.8% |
| Full Truck Alliance… (YMM) | -61.6% | 27.3% | +144.3% |
| QXO, Inc. (QXO) | 10.1% | -4.1% | -140.5% |
| Tyler Technologies,… (TYL) | 14.5% | 12.3% | -15.3% |
SAP SE's net margin went from 17% (2016) to 20% (2025). Uber Technologies, Inc.'s net margin went from -10% (2016) to 19% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| SAP SE (SAP) | 33.5 | 40.6 | +21.2% |
| Uber Technologies, … (UBER) | 70.8 | 17.3 | -75.6% |
| Full Truck Alliance… (YMM) | 20 | 3.7 | -81.5% |
| Tyler Technologies,… (TYL) | 41 | 95.3 | +132.4% |
SAP SE has traded in a 29x–93x P/E range over 9 years; current trailing P/E is ~29x. Uber Technologies, Inc. has traded in a 13x–71x P/E range over 3 years; current trailing P/E is ~16x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| SAP SE (SAP) | 3.03 | 5.99 | +97.7% |
| Uber Technologies, … (UBER) | -0.24 | 4.71 | +2062.5% |
| Full Truck Alliance… (YMM) | -1.42 | 2.94 | +307.0% |
| QXO, Inc. (QXO) | 6.15 | -0.63 | -110.2% |
| Tyler Technologies,… (TYL) | 2.92 | 6.05 | +107.2% |
SAP SE's EPS grew from $3.03 (2016) to $5.99 (2025) — a 8% CAGR. Uber Technologies, Inc.'s EPS grew from $-0.24 (2016) to $4.71 (2025).
Chart 6Free Cash Flow — 5 Years
SAP SE generated $8B FCF in 2025 (+44% vs 2021). Uber Technologies, Inc. generated $10B FCF in 2025 (+1414% vs 2021).
SAP vs UBER vs YMM vs QXO vs TYL: Key Questions Answered
9 questions · data-driven answers · updated daily
01Is SAP or UBER or YMM or QXO or TYL a better buy right now?
Uber Technologies, Inc. (UBER) offers the better valuation at 16.0x trailing P/E (22.4x 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 has the better valuation — SAP or UBER or YMM or QXO or TYL?
On trailing P/E, Uber Technologies, Inc. (UBER) is the cheapest at 16.0x versus Tyler Technologies, Inc. at 58.6x. On forward P/E, Full Truck Alliance Co. Ltd. is actually cheaper at 2.0x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Tyler Technologies, Inc. wins at 2.66x versus SAP SE's 4.20x.
03Which is the better long-term investment — SAP or UBER or YMM or QXO or TYL?
Over the past 5 years, SAP SE (SAP) delivered a total return of +71.7%, compared to -85.8% for QXO, Inc. (QXO). 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: TYL returned +194.8% versus YMM's -54.9%. 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 — SAP or UBER or YMM or QXO or TYL?
By beta (market sensitivity over 5 years), Tyler Technologies, Inc. (TYL) is the lower-risk stock at 0.68β versus QXO, Inc.'s 1.25β — meaning QXO is approximately 83% more volatile than TYL relative to the S&P 500. On balance sheet safety, Full Truck Alliance Co. Ltd. (YMM) carries a lower debt/equity ratio of 0% versus 48% for Uber Technologies, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — SAP or UBER or YMM or QXO or TYL?
Full Truck Alliance Co. Ltd. (YMM) is the more profitable company, earning 27.3% net margin versus -4.1% for QXO, Inc. — meaning it keeps 27.3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SAP leads at 28.0% versus -3.6% for QXO. At the gross margin level — before operating expenses — YMM leads at 86.6%, 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 SAP or UBER or YMM or QXO or TYL 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, Tyler Technologies, Inc. (TYL) is the more undervalued stock at a PEG of 2.66x versus SAP SE's 4.20x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, Full Truck Alliance Co. Ltd. (YMM) trades at 2.0x forward P/E versus 61.6x for QXO, Inc. — 59.6x 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 — SAP or UBER or YMM or QXO or TYL?
In this comparison, QXO (71.4% yield), YMM (1.6% yield), SAP (1.3% yield) pay a dividend. UBER, TYL do not pay a meaningful dividend and should not be held primarily for income.
08Is SAP or UBER or YMM or QXO or TYL 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%, UBER: +81.4%), 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 SAP and UBER and YMM and QXO and TYL?
These companies operate in different sectors (SAP (Technology) and UBER (Technology) and YMM (Technology) and QXO (Industrials) and TYL (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced. In terms of investment character: SAP is a large-cap quality compounder stock; UBER is a mid-cap deep-value stock; YMM is a mid-cap quality compounder stock; QXO is a mid-cap income-oriented stock; TYL is a mid-cap quality compounder stock. SAP, YMM, QXO pay a dividend while UBER, TYL do 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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