SAP SE (HAM:SAP) Short-Term Debt: €0 Mil (As of Mar. 2026)

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HAM:SAP SAP SE HAM:SAP
76 GF Score
Price €137.02
GF Value €220.49
Valuation Significantly Undervalued
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What is SAP SE Short-Term Debt?

SAP SE HAM:SAP +0.18% 76 Short-Term Debt is €0 Mil as of Mar. 2026. GuruFocus rates HAM:SAP with a GF Score™ of 76/100 and a GF Value™ of €220.49 (Significantly Undervalued).

SAP SE's Short-Term Debt for the quarter that ended in Mar. 2026 was €0 Mil.

SAP SE's quarterly Short-Term Debt increased from Sep. 2025 (€0 Mil) to Dec. 2025 (€1,598 Mil) but then declined from Dec. 2025 (€1,598 Mil) to Mar. 2026 (€0 Mil).

SAP SE's annual Short-Term Debt increased from Dec. 2023 (€1,143 Mil) to Dec. 2024 (€3,636 Mil) but then declined from Dec. 2024 (€3,636 Mil) to Dec. 2025 (€1,598 Mil).

SAP SE Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

SAP SE Short-Term Debt Related Terms

SAP SE Short-Term Debt Historical Data

* Premium members only.

The historical data trend for SAP SE's Short-Term Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SAP SE Short-Term Debt Chart

SAP SE Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Short-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3,756.00 3,984.00 1,143.00 3,636.00 1,598.00

SAP SE Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Short-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 2,854.00 0.00 1,598.00 0.00
HAM:SAP
76GF Score
SAP SE HAM:SAP
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of €0 Mil mean?
SAP SE (HAM:SAP) has a Short-Term Debt of €0 Mil as of Mar. 2026.
Is SAP SE's Short-Term Debt too high?
SAP SE's current Short-Term Debt is €0 Mil. Overall, SAP SE has a GF Score™ of 76/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SAP SE's Short-Term Debt compare to UBER and SHOP?
SAP SE's Short-Term Debt of €0 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Short-Term Debt for a Software company?
A good Short-Term Debt depends on the Software industry context. However, Short-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. SAP SE's current Short-Term Debt is €0 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SAP SE stock overvalued right now?
Based on GuruFocus' analysis, SAP SE (HAM:SAP) is currently considered Significantly Undervalued. The stock's GF Value™ is €220.49, compared to a current price of €137.02 — trading 37.9% below its estimated fair value. The current Short-Term Debt is €0 Mil. SAP SE's overall GF Score™ is 76/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For SAP SE (HAM:SAP), the current Short-Term Debt is €0 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is SAP SE (HAM:SAP) Overvalued in 2026?

Based on GuruFocus' analysis, SAP SE stock appears to be undervalued. The current stock price of €137.02 is trading 37.9% below its estimated GF Value™ of €220.49. GuruFocus considers SAP SE to be Significantly Undervalued.

Key valuation signals for HAM:SAP:

  • Short-Term Debt: €0 Mil
  • GF Value™: €220.49 vs. price of €137.02 (37.9% below fair value)
  • GF Score™: 76/100

No single metric tells the full story. See the HAM:SAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SAP SE Business Description

Address Dietmar-Hopp-Allee 16, Walldorf, BW, DEU, 69190
Founded in Germany in 1972 by former IBM employees, SAP is the world's largest provider of enterprise application software. Known as the leader in enterprise resource planning software, SAP's portfolio also includes software for supply chain management, procurement, travel and expense management, and customer relationship management, among others. The company operates in more than 180 countries and has more than 400,000 customers, approximately 80% of which are small to medium-size enterprises.
76GF Score

Get the complete analysis for HAM:SAP

Short-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€137.02
Price
€220.49
GF Value