SmarterDividends

AAPL vs SAP: Which Is the Better Dividend Stock?

As of July 2026, AAPL and SAP are closely matched. SAP offers the higher yield at 1.84%, AAPL has the higher dividend-safety score, and SAP trades at the larger discount to fair value (+6%).

MetricAAPLSAP
Forward yield0.32%1.84%
Annual dividend$1.08$2.93
Payout ratio13%37%
Years of growth14 yr2 yr
5-yr dividend growth5.0%9.0%
5-yr total return120%6%
Dividend safety score95 (A)65 (C)
Fair value estimate$170.06$168.49
Upside to fair value-49%+6%
Frequencyquarterlyannual
Market cap$4.8T$186.7B
P/E ratio40.522.4

Higher yield

SAP

1.84%

Safer dividend

AAPL

Grade A

Faster growth

SAP

9.0%

Better value

SAP

+6% upside

AAPL vs SAP — FAQ

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