NTWK vs SAP vs KHOBF Stock Comparison

Netsol Technologies, Sap Se and Kheoba Prices as of Oct 27, 2026 Peers: Industry group
SAP Sap Se
$235.80 +11.9% 1M -13.4% 1Y
Market cap
$275.90B
P/E
28.9x
Revenue (TTM)
$45.76B
Div. yield
–
ERP Software Technology
2 wins
KHOBF KHEOBA Ltd
$2.50 0.0% 1M 0.0% 1Y
Market cap
$20.23M
P/E
–
Revenue (TTM)
—
Div. yield
–
ERP Software Technology
1 win

Head to Head

6 decided of 12

Netsol Technologies leads on 3 of the 12 questions below (Netsol Technologies 3, Sap Se 2, Kheoba 1). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionNTWKSAPKHOBFLeader
Larger companyMarket capitalisation $97.94M $275.90B $20.23M SAP
Cheaper on earningsLower P/E, profitable companies only 33.2x 28.9x — SAP
Cheaper on forward earningsLower price / next fiscal year consensus EPS 18.4x 27.7x — NTWK
Faster revenue growthRevenue growth, trailing twelve months — +13.5% — –
More profitableNet margin, trailing twelve months — 20.8% — –
Better return on capitalReturn on invested capital — 35.6% — –
Less leveragedLower net debt / EBITDA — -0.4x — –
Higher dividend yieldTrailing dividend yield 0.00% 0.00% — –
Better 1-year returnPrice return, last 12 months +88.2% -13.4% 0.0% NTWK
Better 5-year returnAnnualised price return, 5 years +13.0%/yr +9.8%/yr — NTWK
Less volatileAnnualised volatility, 1 year 58.1% 39.3% 0.0% KHOBF
Higher overall scoreMean of the five percentile scores vs peers — 63/100 — –

Percentile Scorecard

NTWKSAPKHOBF

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisNTWKSAPKHOBF
Valuation 89 #12 of 101 52 #49 of 101 –
Growth – 68 #32 of 97 –
Profitability – 91 #9 of 94 –
Financial Health 85 #17 of 108 77 #26 of 108 82 #20 of 108
Shareholder Returns – 29 #46 of 64 –
Overall – 63 –
  • NTWK ranked among 114 companies in Business Applications
  • SAP ranked among 114 companies in Business Applications
  • KHOBF ranked among 114 companies in Business Applications

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodNTWKSAPKHOBFSPY
1 month +69.4%+11.9%0.0% -0.2%
3 months +92.1%+31.6%0.0% +3.9%
6 months +137.1%+35.9%0.0% +8.2%
Year to date +173.9%-2.9%0.0% +12.9%
1 year +88.2%-13.4%0.0% +12.3%
3 years +343.9%+79.5%— +87.4%
3 years, per year +64.4%+21.5%— +23.3%
5 years +83.8%+59.9%— +67.9%
5 years, per year +13.0%+9.8%— +10.9%
10 years +30.2%+169.0%— +261.1%
10 years, per year +2.7%+10.4%— +13.7%

Risk

MeasureNTWKSAPKHOBFSPY
Volatility, 1Y 58.1%39.3%0.0% 12.7%
Downside volatility, 1Y 60.1%40.5%— 12.7%
Beta vs S&P 500, 1Y 0.510.630.00 1.00
Return / volatility, 1Y 1.52-0.34— 0.97
Max drawdown, 5Y -69.0%-53.2%-37.5% -25.4%
From 52-week high 0.0%-13.4%0.0% -1.2%
52-week high $8.30$272.16$2.50 $779.14
52-week low $2.80$146.09$2.50 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleNTWKSAPKHOBF
P/E now vs peer median 33.2xmedian 28.3x 28.8xmedian 28.3x —median 28.3x
P/S now vs peer median 1.3xmedian 2.8x 6.3xmedian 2.8x —median 2.8x
EV/EBITDA now vs peer median —median 17.3x 11.9xmedian 17.3x —median 17.3x
P/FCF now vs peer median 10.7xmedian 15.8x 27.9xmedian 15.8x —median 15.8x
P/B now vs peer median 2.0xmedian 3.2x 5.5xmedian 3.2x 122.0xmedian 3.2x
PEG now vs peer median —median 0.85 1.80median 0.85 —median 0.85

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsNTWKSAPKHOBF
Revenue – $45.76B –
Gross profit – $33.40B –
Operating income – $22.06B –
Net income – $9.47B –
Free cash flow – $10.40B –
R&D – $8.26B –
EPS (diluted) – $8.11 –
Cash & equivalents $27.12M $10.62B $318.16K
Total debt $8.40M $9.68B –
Shares (diluted) 11.83M 1.18B 8.09M
Enterprise value $12.63M $203.30B $19.91M

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricNTWKSAPKHOBF
P/E 33.2x 28.8x –
P/FCF 10.7x 27.9x –
P/Operating cash flow – 25.2x –
P/S 1.3x 6.3x –
P/B 2.0x 5.5x 122.0x
P/Tangible book 2.1x 5.8x 125.8x
EV/EBITDA – 11.9x –
EV/EBIT – 12.7x –
EV/Revenue – 6.1x –
EV/FCF – 26.9x –
EV/Operating cash flow – 24.3x –
PEG (3Y EPS CAGR) – 1.80 –

Growth

14 metrics
MetricNTWKSAPKHOBF
Revenue growth (1Y) – 13.5% –
Revenue CAGR (3Y) – 11.7% –
Gross profit growth (1Y) – 12.6% –
Gross profit CAGR (3Y) – 12.1% –
Operating income growth (1Y) – 30.9% –
Operating income CAGR (3Y) – 52.1% –
Net income growth (1Y) – 18.5% –
Net income CAGR (3Y) – 16.4% –
EPS growth (1Y) – 22.0% –
EPS CAGR (3Y) – 16.0% –
Operating cash flow growth (1Y) – 43.3% –
Operating cash flow CAGR (3Y) – 19.0% –
Free cash flow growth (1Y) – 43.7% –
Free cash flow CAGR (3Y) – 20.9% –

Profitability

14 metrics
MetricNTWKSAPKHOBF
Gross margin – 73.0% –
EBITDA margin – 51.5% –
Operating margin – 48.2% –
Pretax margin – 29.2% –
Net margin – 20.8% –
FCF margin – 22.7% –
Operating cash flow margin – 25.1% –
Return on equity – 18.5% –
Return on assets – 11.2% –
Return on invested capital – 35.6% –
Return on capital employed – 34.0% –
Asset turnover – 0.5x –
Cash conversion (OCF / net income) – 1.2x –
Stock comp / revenue – 3.9% –

Financial Health

11 metrics
MetricNTWKSAPKHOBF
Debt / assets 10.8% 11.2% –
Debt / equity 0.2x 0.2x –
Net debt / EBITDA – -0.4x –
Debt / FCF – 0.9x –
Liabilities / assets 36.3% 39.1% 49.8%
Equity / assets 63.7% 60.9% 50.2%
Interest coverage – 8.3x –
Current ratio 2.1x 1.2x 2.0x
Quick ratio 1.9x 0.9x 2.0x
Cash ratio 1.0x 0.9x 1.9x
Altman Z-score – 7.48 –

Shareholder Returns

7 metrics
MetricNTWKSAPKHOBF
Dividend yield – 1.2% –
Net buyback yield – -0.1% –
Shareholder yield – 1.1% –
Payout ratio (earnings) – – –
Payout ratio (FCF) – – –
Dividend growth (1Y) – – –
Dividend CAGR (3Y) – – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusNTWKSAPKHOBF
Forward P/E 18.4xFY2027 27.7xFY2026 –
EPS, next fiscal year $0.45FY2027 $8.52FY2026 –
EPS growth, next FY +80.0%FY2027 +16.1%FY2026 –
EPS growth, the year after +44.4% +4.9% –
Revenue, next fiscal year $81.77MFY2027 $42.86BFY2026 –
Revenue growth, next FY +9.9%FY2027 -2.4%FY2026 –
Revenue growth, the year after +20.5% +14.3% –

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersNTWKSAPKHOBF
Held by institutions 17.2% 7.2% –
Institutions holding 26 820 –
Change in shares held, QoQ -11.9% -3.0% –
Institutions buying 11 459 –
Institutions selling 8 245 –
Buyers to sellers 1.38 1.87 –

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

NTWKSAPKHOBF
NTWK 1.00 0.04 –
SAP 0.04 1.00 –
KHOBF – – –

Add a Peer

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Related Comparisons

Frequently Asked Questions

Which is bigger, NTWK, SAP and KHOBF?

Sap Se (SAP) is the largest by market capitalisation: Netsol Technologies (NTWK) $97.94M, Sap Se (SAP) $275.90B, Kheoba (KHOBF) $20.23M.

Which stock is cheaper, NTWK, SAP and KHOBF?

Sap Se (SAP) trades on the lowest price-to-earnings ratio (Netsol Technologies (NTWK) 33.2x, Sap Se (SAP) 28.9x). On next year's consensus earnings, Netsol Technologies (NTWK) is cheapest (Netsol Technologies (NTWK) 18.4x, Sap Se (SAP) 27.7x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which stock has performed better?

Over the past year Netsol Technologies (NTWK) returned the most: Netsol Technologies (NTWK) +88.2%, Sap Se (SAP) -13.4%, Kheoba (KHOBF) 0.0%. Over five years, Netsol Technologies (NTWK) compounded fastest (Netsol Technologies (NTWK) +13.0%/yr, Sap Se (SAP) +9.8%/yr). Returns are price only, before dividends.

Which stock is riskier?

By one-year price volatility, Kheoba (KHOBF) has been the steadiest (Netsol Technologies (NTWK) 58.1%, Sap Se (SAP) 39.3%, Kheoba (KHOBF) 0.0%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, NTWK, SAP and KHOBF?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Netsol Technologies (NTWK) leads on 3. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.