SAP SE (SAP.DE) is currently considered halal (Sharia-compliant), per In-house ratio engine (last assessed 2026-08-27). See the full ratio breakdown and business-activity screen below for the reasoning.
Computed from Yahoo Finance fundamentals (Tier-4 provider, no filing available), balance sheet as of 2025-12-31. SAP.DE files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: cleared (no excluded categories detected)
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 4.44% | 30.00% | Pass |
| Interest-bearing investments | 4.74% | 30.00% | Pass |
| Non-permissible income | 1.16% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 13.02% | 33.00% | Pass |
| Interest-bearing investments | 13.89% | 33.00% | Pass |
| Non-liquid assets | 77.88% | at least 20.00% | Pass |
| Non-permissible income | 1.16% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 13.02% | 33.33% | Pass |
| Cash + interest-bearing securities | 13.89% | 33.33% | Pass |
| Accounts receivable | 22.12% | 33.33% | Pass |
| Non-permissible income | 1.16% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 13.02% | 33.33% | Pass |
| Cash + interest-bearing securities | 13.89% | 33.33% | Pass |
| Accounts receivable | 22.12% | 50.00% | Pass |
| Non-permissible income | 1.16% | 5.00% | Pass |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 3.80% | 33.00% | Pass |
| Cash + interest-bearing securities | 4.05% | 33.00% | Pass |
| Accounts receivable | 2.40% | 33.00% | Pass |
| Non-permissible income | 1.16% | 5.00% | Pass |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 4.13% | 33.00% | Pass |
| Cash + interest-bearing securities | 4.40% | 49.00% | Pass |
| Accounts receivable | 2.61% | 49.00% | Pass |
| Non-permissible income | 1.16% | 5.00% | Pass |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 4.13% | 33.33% | Pass |
| Cash + interest-bearing securities | 4.40% | 33.33% | Pass |
| Accounts receivable | 7.01% | 49.00% | Pass |
| Non-permissible income | 1.16% | 5.00% | Pass |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 47.70 | NEUTRAL |
| Stochastic %K (14) | 19.74 | BUY |
| CCI (20) | -190.91 | BUY |
| Williams %R (14) | -80.26 | BUY |
| MACD (12,26,9) | -2.45 | SELL |
| ROC (10) | -7.26 | SELL |
| Momentum (10) | -13.78 | SELL |
| EMA (10) | 181.79 | SELL |
| SMA (10) | 183.77 | SELL |
| EMA (20) | 180.46 | SELL |
| SMA (20) | 184.11 | SELL |
| EMA (30) | 176.79 | SELL |
| SMA (30) | 180.04 | SELL |
| EMA (50) | 170.20 | BUY |
| SMA (50) | 164.64 | BUY |
| EMA (100) | 164.61 | BUY |
| SMA (100) | 155.40 | BUY |
| EMA (200) | 175.07 | BUY |
| SMA (200) | 166.05 | BUY |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Technology · Software - Application
SAP SE, together with its subsidiaries, provides enterprise application and business solutions worldwide. It offers SAP Business AI; SAP S/4HANA that provides software capabilities for finance, risk and project management, procurement, manufacturing, supply chain and asset management, and research and development; SAP SuccessFactors solutions for human resources, including HR, time, payroll, talent and employee experience management, and analytics and planning; and spend management solutions that covers direct and indirect spend, travel and expense, and external workforce management. The company also provides SAP customer experience solutions; SAP Business Technology platform that enables customers and partners to build, integrate, and automate applications; and SAP Business Network, a business-to-business collaboration platform that helps digitalize key business processes across the supply chain and enables communication between trading partners. In addition, it offers SAP Signavio to help customers to discover, analyze, and understand business process operations; industry solutions that provide customers and partners with industry-specific solutions; and SAP LeanIX to visualize enterprise architecture, assess interdependencies and the potential impact of IT modernization, and manage the transition toward the target landscape. Further, the company provides WalkMe to execute workflows; SAP Enable Now, which offers e-learning content embedded in SAP workflows; Taulia solutions for working capital management; and sustainability solutions and services. Additionally, it provides services and support solutions. The company has a strategic collaboration with Fresenius SE & Co. KGaA and Avelios Medical GmbH for the development of a cloud-native, hospital information system that enables digitalization of clinical and administrative processes with AI integration. SAP SE was founded in 1972 and is headquartered in Walldorf, Germany.
Background via Yahoo Finance — informational, not part of the verdict.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-01 · Asset managers net 934180 (-19048)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.