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SAP vs WK
Which Stock Would AI Choose? SAP SE (SAP) vs. Workiva (WK) Stock Comparison
Key Takeaways
- SAP is a global enterprise-software leader trading near a $250 billion market capitalization, while WK is a roughly $4 billion cloud-reporting specialist — a clear contrast in scale and maturity.
- SAP's cloud and artificial intelligence (AI) momentum is strong, but its shares have pulled back sharply from 52-week highs amid valuation and margin concerns.
- Workiva has crossed into profitability, with revenue growing near 20% and operating margins expanding faster than expected.
- Both stocks carry "Strong Buy" or "Buy" consensus ratings from sell-side analysts, reflecting generally constructive sentiment.
- The comparison hinges on trade-offs: SAP offers scale, profitability, and a dividend, while WK offers faster growth and a sharper margin-inflection story.
Introduction
Investors evaluating software equities often face a choice between an established market leader and a faster-growing disruptor. That is precisely the contrast between SAP and WK. SAP SE is one of the world's largest enterprise-application software providers, while Workiva is a focused cloud-based financial reporting and compliance platform. This stock comparison is relevant for traders weighing relative performance and for longer-horizon investors assessing market positioning, growth drivers, and risk profiles across two very different points in the software maturity curve.
SAP Overview and Recent Performance
SAP SE is a German multinational headquartered in Walldorf, providing enterprise resource planning (ERP) and business-application software to organizations worldwide. Its American depositary receipts trade on the New York Stock Exchange under SAP. The company's strategy centers on migrating customers to cloud-based subscriptions and embedding AI capabilities across its product suite.
In recent market activity, SAP's shares have been volatile. After a strong run, the stock has declined well into double digits from its 52-week high, even as underlying fundamentals remain solid. Cloud revenue has continued to grow at a high-teens percentage pace, and management has highlighted accelerating customer adoption of AI-driven solutions. However, investor sentiment has been tested by a quarterly earnings miss, commentary about near-term margin pressure from AI and research investments, and a declining license segment as the business shifts toward subscriptions. Analysts continue to rate the stock favorably, and the company maintains a modest dividend yield, but the pullback reflects a market reassessing valuation against the pace of the cloud transition.
WK Overview and Recent Performance
Workiva Inc., founded in 2008 and based in Ames, Iowa, operates a cloud platform for financial reporting, environmental, social, and governance (ESG) disclosure, and governance, risk, and compliance (GRC). The platform links data across systems to streamline reporting and audit processes.
In recent quarters, WK has delivered a notable inflection. Revenue has been growing near 20% year over year, and the company recently transitioned from losses to GAAP profitability (profit calculated under generally accepted accounting principles). Non-GAAP operating margins have expanded dramatically — rising from low single digits to the mid-to-high teens — prompting management to raise margin guidance. Customer metrics remain healthy, with gross retention around 97% and net retention above 110%. Workiva was also added to the S&P 600 small-cap index during the recent period. Despite these milestones, the stock has underperformed the broader market this year, reflecting an ongoing debate over its premium valuation and the sustainability of its growth.
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Head-to-Head Comparison
The two companies occupy different niches of enterprise software. SAP operates across ERP, analytics, and industry-specific applications, with a market capitalization roughly 60 times larger than WK's and a diversified global revenue base exceeding $38 billion on a trailing basis. Its profitability is well established, with operating margins near the high-20% range, and it returns capital through a dividend. The main growth debate centers on the speed of cloud adoption and AI monetization, while license revenue declines act as a structural headwind.
Workiva, by contrast, is a higher-growth, earlier-stage profitability story. Its revenue base of about $965 million is growing near 20%, roughly double SAP's growth rate, and its margin trajectory is steeply upward. The trade-off is valuation: WK trades at a much higher trailing price-to-earnings ratio and remains dependent on regulatory-reporting demand and larger, multi-solution deals. SAP offers lower beta and greater stability, while WK carries more concentrated exposure to compliance cycles and faster growth expectations. In short, SAP represents scale and durability, while WK represents growth and operating leverage.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely lean toward SAP in the current environment, though the assessment is probabilistic rather than definitive. SAP's combination of established profitability, a substantial and growing cloud backlog, positive cash flow, and a diversified revenue base tends to produce more consistent trend signals and stability metrics. WK's accelerating margins and faster growth are compelling, but its higher valuation and more concentrated regulatory exposure introduce comparatively greater volatility in trend consistency. An AI model weighting trend stability and catalysts would therefore likely favor SAP for risk-adjusted positioning, while recognizing WK's stronger growth and margin momentum as a meaningful counterweight.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is SAP is a StrongBuy and WK is a Hold.
SAP in +5.74% Uptrend, advancing for three consecutive days on November 05, 2026
Moving higher for three straight days is viewed as a bullish sign. Keep an eye on this stock for future growth. Considering data from situations where SAP advanced for three days, in 178 of 321 cases, the price rose further within the following month. The odds of a continued upward trend are 55%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Aroon Indicator entered an Uptrend today. In 141 of 283 cases where SAP Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 50%.
Bearish Trend Analysis
The 10-day RSI Indicator for SAP moved out of overbought territory on November 06, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 34 similar instances where the indicator moved out of overbought territory. In 17 of the 34 cases, the stock moved lower in the following days. This puts the odds of a move lower at 50%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 38 of 66 cases where SAP's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 58%.
The Momentum Indicator moved below the 0 level on November 06, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on SAP as a result. In 49 of 88 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 56%.
The Moving Average Convergence Divergence Histogram (MACD) for SAP turned negative on November 06, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 48 similar instances when the indicator turned negative. In 28 of the 48 cases the stock turned lower in the days that followed. This puts the odds of success at 58%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where SAP declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 54%.
SAP broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron Price Growth Rating for this company is 40 (best 1 - 100 worst), indicating steady price growth. SAP’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron SMR rating for this company is 49 (best 1 - 100 worst), indicating strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron PE Growth Rating for this company is 54 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 56 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 94, placing this stock slightly better than average.
The Tickeron Valuation Rating of 81 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (6.022) is normal, around the industry mean (-1.906). P/E Ratio (34.791) is within average values for comparable stocks, (9.554). Projected Growth (PEG Ratio) (1.610) is also within normal values, averaging (2.824). Dividend Yield (0.043) settles around the average of (0.069) among similar stocks. P/S Ratio (5.653) is also within normal values, averaging (70.383).
Momentum Indicator for WK turns negative, indicating new downward trend
WK saw its Momentum Indicator move below the 0 level on November 06, 2026. This is an indication that the stock could be shifting in to a new downward move. Traders may want to consider selling the stock or exploring put options. Tickeron's A.I.dvisor looked at 97 similar instances where the indicator turned negative. In 74 of the 97 cases, the stock moved further down in the following days. The odds of a decline are at 76%.
Technical Analysis (Indicators)
Bearish Trend Analysis
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 41 of 59 cases where WK's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 69%.
The Moving Average Convergence Divergence Histogram (MACD) for WK turned negative on November 06, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 52 similar instances when the indicator turned negative. In 35 of the 52 cases the stock turned lower in the days that followed. This puts the odds of success at 67%.
WK moved below its 50-day moving average on November 06, 2026 date and that indicates a change from an upward trend to a downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where WK declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 73%.
Bullish Trend Analysis
The RSI Indicator entered the oversold zone -- be on the watch for WK's price rising or consolidating in the future. That's also the time to consider buying the stock or exploring call options.
The 10-day moving average for WK crossed bullishly above the 50-day moving average on October 15, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 10 of 14 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 71%.
Following a +1.93% 3-day Advance, the price is estimated to grow further. Considering data from situations where WK advanced for three days, in 207 of 291 cases, the price rose further within the following month. The odds of a continued upward trend are 71%.
WK may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
The Aroon Indicator entered an Uptrend today. In 116 of 152 cases where WK Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 76%.
Fundamental Analysis (Ratings)
The Tickeron Price Growth Rating for this company is 43 (best 1 - 100 worst), indicating steady price growth. WK’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 63 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (-40.786) is normal, around the industry mean (-1.906). P/E Ratio (85.600) is within average values for comparable stocks, (9.554). Projected Growth (PEG Ratio) (0.000) is also within normal values, averaging (2.824). Dividend Yield (0.000) settles around the average of (0.069) among similar stocks. P/S Ratio (4.227) is also within normal values, averaging (70.383).
The Tickeron PE Growth Rating for this company is 94 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Seasonality Score of 95 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron SMR rating for this company is 100 (best 1 - 100 worst), indicating weak sales and an unprofitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. WK’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 94, placing this stock worse than average.
SAP | WK | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 43 | 17 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 81 Overvalued | 63 Fair valued | |
PROFIT vs RISK RATING 1..100 | 56 | 100 | |
SMR RATING 1..100 | 49 | 100 | |
PRICE GROWTH RATING 1..100 | 40 | 43 | |
P/E GROWTH RATING 1..100 | 54 | 94 | |
SEASONALITY SCORE 1..100 | n/a | 90 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
WK's Valuation (63) in the Information Technology Services industry is in the same range as SAP (81) in the Packaged Software industry. This means that WK’s stock grew similarly to SAP’s over the last 12 months.
SAP's Profit vs Risk Rating (56) in the Packaged Software industry is somewhat better than the same rating for WK (100) in the Information Technology Services industry. This means that SAP’s stock grew somewhat faster than WK’s over the last 12 months.
SAP's SMR Rating (49) in the Packaged Software industry is somewhat better than the same rating for WK (100) in the Information Technology Services industry. This means that SAP’s stock grew somewhat faster than WK’s over the last 12 months.
SAP's Price Growth Rating (40) in the Packaged Software industry is in the same range as WK (43) in the Information Technology Services industry. This means that SAP’s stock grew similarly to WK’s over the last 12 months.
SAP's P/E Growth Rating (54) in the Packaged Software industry is somewhat better than the same rating for WK (94) in the Information Technology Services industry. This means that SAP’s stock grew somewhat faster than WK’s over the last 12 months.
| SAP | WK | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 50% | 2 days ago 78% |
| Stochastic ODDS (%) | 2 days ago 58% | 2 days ago 69% |
| Momentum ODDS (%) | 2 days ago 56% | 2 days ago 76% |
| MACD ODDS (%) | 2 days ago 58% | 2 days ago 67% |
| TrendWeek ODDS (%) | 2 days ago 60% | 2 days ago 72% |
| TrendMonth ODDS (%) | 2 days ago 62% | 2 days ago 73% |
| Advances ODDS (%) | 6 days ago 55% | 6 days ago 71% |
| Declines ODDS (%) | 8 days ago 54% | 2 days ago 73% |
| BollingerBands ODDS (%) | 2 days ago 37% | 2 days ago 69% |
| Aroon ODDS (%) | 2 days ago 50% | 2 days ago 76% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
SAP’s FA Score shows that 0 FA rating(s) are green while WK’s FA Score has 0 green FA rating(s).
- SAP’s FA Score: 0 green, 5 red.
- WK’s FA Score: 0 green, 5 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
SAP’s TA Score shows that 2 TA indicator(s) are bullish while WK’s TA Score has 5 bullish TA indicator(s).
- SAP’s TA Score: 2 bullish, 6 bearish.
- WK’s TA Score: 5 bullish, 5 bearish.
Price Growth
SAP (@Packaged Software) experienced а +1.63% price change this week, while WK (@Packaged Software) price change was -17.68% for the same time period.
The average weekly price growth across all stocks in the @Packaged Software industry was +3.85%. For the same industry, the average monthly price growth was -4.51%, and the average quarterly price growth was +3.35%.
Reported Earning Dates
SAP is expected to report earnings on Jan 28, 2027.
WK is expected to report earnings on Feb 23, 2027.
Industries' Descriptions
@Packaged Software (+3.85% weekly)Packaged software comprises multiple software programs bundled together and sold as a group. For example, Microsoft Office includes multiple applications such as Excel, Word, and PowerPoint. In some cases, buying a bundled product is cheaper than purchasing each item individually[s20] . Microsoft Corporation, Oracle Corp. and Adobe are some major American packaged software makers.
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WK and
Correlation & Price change
A.I.dvisor indicates that over the last year, WK has been closely correlated with BL. These tickers have moved in lockstep 71% of the time. This A.I.-generated data suggests there is a high statistical probability that if WK jumps, then BL could also see price increases.