INTU vs SAP Stock Comparison: AI Score, Valuation, Performance and Upside
Intuit and SAP both provide financial and business software, but Intuit focuses primarily on small businesses and individual consumers in the US through QuickBooks, TurboTax, and Credit Karma, while SAP focuses on large, global enterprises through its deeply entrenched ERP platform currently transitioning to the cloud.
Intuit offers dominant, sticky exposure to the small business and consumer financial software market with strong AI integration, while SAP offers a large, entrenched global enterprise customer base with a multi-year cloud transition growth runway. Consider whether you prefer Intuit's SMB and consumer focus or SAP's large global enterprise footprint.
INTU holds the edge across 3 of 5 key metrics in this comparison. SAP has delivered stronger 1-year price return (-16.85% vs -52.75%), though INTU has the better forward P/E setup (12.96x vs 22.03x for SAP). On fundamentals, INTU is growing revenue faster (13.70%), while SAP maintains the higher operating margin (27.62%) — a classic growth-versus-profitability split. Analyst consensus implies similar upside for both: +18.26% for INTU and +17.16% for SAP.
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want exposure to the dominant small business accounting and DIY tax preparation software provider
- Value Intuit's diversified revenue across tax preparation, small business accounting, and consumer finance
- Believe Intuit's AI integration across its product suite will strengthen customer retention
- Prefer a US-focused small business and consumer software platform over a global enterprise ERP giant
- Want exposure to a deeply entrenched ERP platform used by major global enterprises
- Value the multi-year growth runway created by SAP's ongoing cloud transition
- Prefer broad international diversification over a primarily US-focused software company
- Believe SAP's AI feature integration (Joule) will help defend its position against cloud-native competitors
| Metric | INTU | SAP |
|---|---|---|
| AI scorei | 49.2 | 37.6 |
| AI ranki | #582 | #1458 |
| Latest closei | $313.13 | $213.66 |
| 1M returni | -10.64% | +1.52% |
| 6M returni | -31.22% | +17.49% |
| 1Y returni | -52.75% | -16.85% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | INTU | SAP |
|---|---|---|
| 1Y ago | $4.64K (-53.6%) started 2025-09-18 | $8.46K (-15.4%) started 2025-09-17 |
| 5Y ago | $5.93K (-40.7%) started 2021-09-20 | $17.65K (+76.5%) started 2021-09-17 |
| 10Y ago | $32.9K (+229.0%) started 2016-09-19 | $33.46K (+234.6%) started 2016-09-19 |
Hypothetical — past performance does not guarantee future results.
| Metric | INTU | SAP |
|---|---|---|
| Market capi | $97.94B | $246.61B |
| Trailing P/Ei | 21.14 | 27.71 |
| Forward P/Ei | 12.96 | 22.03 |
| Price/Salesi | 11.84 | 6.46 |
| EV/Revenuei | 4.59 | 90.91 |
| Analyst targeti | $423.46 | $250.33 |
| Target upsidei | +18.26% | +17.16% |
| Metric | INTU | SAP |
|---|---|---|
| Revenue growthi | 13.70% | 9.40% |
| Earnings growthi | -0.80% | 30.60% |
| EPS growthi | -0.80% | +30.60% |
| FCF margini | +30.02% | +23.80% |
| Operating margini | 17.64% | 27.62% |
| Profit margini | 21.29% | 20.41% |
| ROIC proxyi | 23.60% | 18.32% |
| Return on equityi | 23.60% | 18.32% |
| Dividend yieldi | 1.54% | 1.37% |
| Payout ratioi | 29.16% | 37.53% |
| Dividend growth streaki | No increase yet | 2 yrs |
| Betai | 0.96 | 0.78 |
| Debt/equityi | 43.89 | 21.97 |
| Current ratioi | 1.51 | 1.15 |
| Quick ratioi | 0.78 | 0.98 |
Over the past year, INTU and SAP have moved moderately in the same direction (correlation of 0.60), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | INTU | SAP |
|---|---|---|---|
| 1Y | Growthi | -53.61% | -16.85% |
| CAGRi | -53.64% | -16.86% | |
| Volatilityi | 49.05% | 38.98% | |
| Sharpe ratioi | -1.41 | -0.39 | |
| Sortino ratioi | -1.76 | -0.54 | |
| Max drawdowni | 63.67% | 46.90% | |
| Current drawdowni | 55.40% | 22.49% | |
| Avg drawdowni | 33.80% | 24.81% | |
| Ulcer Indexi | 39.95% | 28.31% | |
| Max daily dropi | 20.02% | 15.20% | |
| Max wkly dropi | 24.51% | 15.67% | |
| 5Y | Growthi | -42.15% | +62.16% |
| CAGRi | -10.38% | +10.15% | |
| Volatilityi | 38.89% | 30.16% | |
| Sharpe ratioi | -0.20 | 0.32 | |
| Sortino ratioi | -0.28 | 0.47 | |
| Max drawdowni | 68.41% | 52.26% | |
| Current drawdowni | 61.22% | 30.31% | |
| Avg drawdowni | 25.21% | 16.10% | |
| Ulcer Indexi | 30.88% | 21.98% | |
| Max daily dropi | 20.02% | 15.20% | |
| Max wkly dropi | 24.51% | 15.67% | |
| 10Y | Growthi | +207.14% | +183.62% |
| CAGRi | +11.88% | +11.00% | |
| Volatilityi | 34.67% | 28.92% | |
| Sharpe ratioi | 0.37 | 0.35 | |
| Sortino ratioi | 0.52 | 0.49 | |
| Max drawdowni | 68.41% | 52.26% | |
| Current drawdowni | 61.22% | 30.31% | |
| Avg drawdowni | 14.72% | 14.35% | |
| Ulcer Indexi | 22.29% | 19.81% | |
| Max daily dropi | 20.02% | 23.16% | |
| Max wkly dropi | 24.51% | 28.63% |
| Category | INTU | SAP |
|---|---|---|
| Company | Intuit Inc. | SAP SE |
| Sector | Technology | Enterprise Software |
| Industry | Software - Application | Software - Application |
| Core business | A financial software company best known for TurboTax (DIY tax preparation), alongside QuickBooks (small business accounting), Credit Karma (consumer finance), and Mailchimp (marketing), increasingly integrating AI across its product suite. | A global enterprise resource planning (ERP) software company providing core business applications used by large enterprises to manage finance, supply chain, and operations, currently transitioning its customer base to cloud-based subscription offerings. |
| Investor focus | QuickBooks small business subscription growth, TurboTax DIY tax software market share, Credit Karma monetization, and AI feature adoption across the platform. | Cloud subscription revenue growth as customers migrate from on-premise licenses, cloud backlog growth, and AI feature adoption (Joule) across its ERP suite. |
- Dominant position in small business accounting software (QuickBooks) with high customer switching costs
- Diversified revenue across tax preparation, small business accounting, and consumer finance
- Actively integrating AI-powered features across its product suite to enhance customer value and retention
- Deeply entrenched ERP platform used by a large base of major global enterprises for core business operations
- Ongoing cloud transition creates a multi-year growth runway as customers migrate from legacy on-premise licenses
- Broad global footprint and diversified enterprise software portfolio spanning finance, supply chain, and human capital management
- Premium valuation reflects high growth expectations that require continued platform expansion to justify
- TurboTax faces increasing competition from free and low-cost tax filing alternatives
- Primarily focused on the US small business and consumer market, with less international diversification than SAP
- Cloud transition requires customers to actively migrate from legacy on-premise systems, creating execution timing risk
- Faces competition from more cloud-native enterprise software vendors including Workday and Oracle
- Large, complex enterprise deployments can involve long sales cycles and implementation timelines
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