WALLDORF, Germany — February 26, 2026 — SAP SE (NYSE: SAP) today announced that it has filed the SAP Annual Report on Form 20-F for the year ended December 31, 2025, with the U.S. Securities and Exchange Commission (SEC), and it is accessible online at https://www.sap.com/docs/download/investors/2025/sap-2025-annual-report-form-20f.pdf. SAP also announced that the SAP Integrated Report 2025 is now available and accessible online at https://www.sapintegratedreport.com.

You can access PDF versions of the SAP Integrated Report 2025 and the SAP Annual Report 2025 on Form 20-F at our Investor Relations website https://www.sap.com/investor. A hard copy of the audited consolidated financial statements can also be requested free of charge by sending an email to investor@sap.com or via phone +49 (6227) 7-67336.

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Meet your new process companion! Joule with SAP Signavio solutions is now generally available, helping users, analyze, and manage business processes using natural language.

Joule is an AI solution that turns siloed data and tasks into intelligent, connected workflows that help improve decisions, speed up end-to-end processes, and create a unified AI experience across SAP and non-SAP systems. With AI agents for all core functions, powered by SAP business process expertise, an AI strategy scales faster and wider.

In this context, the unique value of combining Joule with SAP Signavio is the powerful combination of deep process context from SAP Signavio and orchestration across SAP applications, including but not limited to SAP S/4HANA, SAP Business Technology Platform (SAP BTP), and SAP SuccessFactors solutions.

After months of successful collaboration with customers in the SAP Early Adopter Care program, this launch marks a major step toward delivering a conversational experience, making it easier than ever to explore, understand, manage, and transform processes with SAP Signavio solutions.

But how does this work in practice? Let’s look at an example.

Joule in action

Imagine accessing SAP Signavio Process Collaboration Hub, an organization’s single source of truth for process alignment, in order to understand more about a particular process, order-to-cash. What once might have taken hours of investigation can now happen in minutes through a simple conversation.

Asking Joule, “Who is the process owner of the order-to-cash process?” prompts Joule to suggest the process that most closely matches the query, then retrieve the owner information from the process diagram attributes. 

Following up with “Provide me with a description of the process flow” means Joule skills convert the process visual into a clear process description. You can dive deeper into the process as well, perhaps by comparing the difference in process execution in different regions. Just ask, and Joule skills provide a textual summary that highlights the key differences between the two process models.

Joule offers a connected user experience across SAP and non-SAP systems, allowing employees to ask questions and interact with Joule from anywhere. In other words, while working in SAP Signavio, users can interact with data and capabilities from other systems, or while in other systems, users can access SAP Signavio capabilities.

Simple and seamless

This connectivity and seamless access is designed to simplify day-to-day tasks in multiple ways, and Joule with SAP Signavio offers skills across three use cases: informational, navigational, and transactional. Plus, additional analytical capabilities are planned for future releases. As a summary, these use cases—or interaction patterns—comprise the following:

• Informational: Joule acts as an intelligent assistant, helping users understand how to perform specific tasks or generating a textual comparison between processes. For example, ask Joule: “What’s the difference between draft and published process models?” or “How can I set up a dashboard?”
• Navigational: Joule simplifies content navigation across SAP Signavio solutions and guides users through the SAP Signavio Process Collaboration Hub to access various assets such as process and journey models, and value accelerators. For example, prompt Joule: “Open the Order-to-Cash process model published for EMEA” or “Find accelerators for the Financial Process”
• Transactional: Joule enables users to perform actions conversationally, such as creating and deleting assets within the SAP Signavio Process Transformation Suite, including processes, journey models, and dictionary items. For example, tell Joule: “Create a new dictionary term and link it to the Returns process.” or “Delete the journey model called Sales Process.”

Unlocking value with agentic AI

Right now, Joule works across SAP applications as a process companion, meaning that SAP Signavio process context and intelligence is accessible to the user across all Joule-compatible applications, including, among others, SAP S/4HANA, SAP SuccessFactors solutions, and SAP BTP. But this is just the beginning.

SAP is developing Joule Agents embedded into every business function and accessed with role-based assistants, which use SAP’s process expertise to automate complex workflows and deliver AI value at scale. Joule Agents for SAP Signavio solutions can help accelerate content discovery and process analysis, create value cases, and enhance user onboarding.

The age of AI brings an expectation of immediate insights and context-based support when and where you need it, and Joule with SAP Signavio solutions means process navigation and execution is no exception.

For clearer decision-making, seamless integration, and enhanced automation, visit the Joule capabilities page to learn how to activate Joule and get your own conversation started.

Lucas de Boer is Global Marketing program lead for SAP Signavio.

Embedded AI streamlines planning, operations, fulfillment and commerce to help retailers scale with speed, resilience and loyalty

NEW YORK — SAP SE (NYSE: SAP) today announced a new generation of AI-enhanced retail innovations at NRF 2026: Retail’s Big Show.

SAP continues to infuse AI into the DNA of every part of its retail solutions, reinforcing its suite-first strategy and helping retailers operate with greater intelligence, resilience and trust while delivering better experiences for customers everywhere.

“Retailers face a landscape where AI is no longer optional,” said Balaji Balasubramanian, President and Chief Product Officer for Customer Experience and Consumer Industries, SAP SE. “SAP provides one closed-loop, AI-enhanced retail operating system that ties planning, execution and engagement together. We put data and AI at the heart of retail, delivering speed, personalization and growth across every channel and segment.”

AI that turns retail data into actionable intelligence

The Retail Intelligence solution in SAP Business Data Cloud provides accurate demand and inventory planning, leveraging retailers’ data from across SAP software and third-party systems to drive profitable growth through actionable, real-time insights. Purpose-built for retailers and direct-to-consumer businesses, it will be generally available in the first half of 2026.

Harmonizing real-time data from sales, inventory, customers and suppliers, Retail Intelligence uses AI-generated simulations so planners can anticipate outcomes and optimize inventory. This improves forecast accuracy, reduces manual planning effort, lowers inventory costs and raises service levels. All this drives more seamless omnichannel engagements, which strengthen customer loyalty and enable growth without adding complexity for retailers.

“Retailers are seeking built-in, embedded AI solutions to help balance daily operations, future planning and agility to manage a dynamic market,” said Ananda Chakravarty, Vice President of IDC Retail Insights. “What sets SAP apart is the holistic nature of its approach, offering an agentic operating system that works in the background, connects data and orchestrates agents. SAP makes it an easy lift for retailers to achieve enterprise-wide intelligence, avoiding the complexity of many point solutions.”

AI that streamlines modern retail operations

Retailers must make fast, confident decisions across assortments, pricing and planning. To meet that need, SAP announced new AI-assisted assortment management capabilities, allowing planners to create, modify or retire assortments using natural language through the Joule copilot. This reduces the bottleneck on expert users, enabling faster responses to market shifts and freeing time for higher-value merchandising decisions.

SAP also introduced omnichannel sales promotions in sales orders, integrating the SAP Omnichannel Promotion Pricing solution with the SAP S/4HANA Cloud Public Edition, retail, fashion and vertical business solution. This enables advanced promotions such as bonus buys to be applied consistently across diverse channels, enabling a single source of truth for pricing and promotions in store and online, so retailers can deliver a consistent experience.

In addition, SAP is delivering deeper merchandising, segmentation and manufacturing support in the solution, tailored to fashion wholesalers and manufacturers. These enhancements provide the data and process foundation needed for AI-assisted fashion operations across the business.

AI that drives better customer engagement

As shopping journeys increasingly begin with AI assistants rather than storefronts or search engines, retailers need new ways to be present wherever buying decisions are made. SAP helps retailers connect products, pricing, inventory and promotions directly to AI-enabled discovery and shopping experiences, unlocking agentic commerce with its new storefront MCP server, part of the SAP Commerce Cloud solution.

Retailers can now make their storefronts intelligible to AI, driving shopping experiences not only on their storefronts but also on platforms such as ChatGPT. This creates a truly channel-less commerce experience, one where engagement, discovery and transaction happen more seamlessly across human and AI-assisted touch points.

AI that builds customer loyalty

As customer expectations rise and fulfillment networks grow more complex, retailers need confidence that every order will be delivered as promised, using AI solutions that provide proactive visibility and guidance to help keep operations running smoothly and at scale. And as brand visibility shifts in the age of agentic commerce, reliable and consistent shopping experiences are more important than ever to drive sustained customer loyalty and trust.

SAP announced Order Reliability Agent as part of the SAP Order Management Services bundle, planned for release in the second quarter of 2026. The new agent proactively identifies and resolves potential order issues, helping associates answer common questions about order status, stock availability and fulfillment risks before they impact customers.

By combining agentic autonomy with human oversight where judgment matters, these innovations from SAP drive insightful planning and improve operational efficiency, both enhancing the customer experience and driving profitable growth.

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Media contact:
Mallory Kuno, +1 (425) 239-9362, mallory.kuno@sap.com, ET
SAP Press Room; press@sap.com

This document contains forward-looking statements, which are predictions, projections, or other statements about future events. These statements are based on current expectations, forecasts, and assumptions that are subject to risks and uncertainties that could cause actual results and outcomes to materially differ.  Additional information regarding these risks and uncertainties may be found in our filings with the Securities and Exchange Commission, including but not limited to the risk factors section of SAP’s 2024 Annual Report on Form 20-F.
© 2026 SAP SE. All rights reserved.
SAP and other SAP products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of SAP SE in Germany and other countries. Please see https://www.sap.com/copyright for additional trademark information and notices.