WallStSmart

Alkami Technology Inc (ALKT)vsSalesforce.com Inc (CRM)

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Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 8872% more annual revenue ($43.94B vs $489.73M). CRM leads profitability with a 22.0% profit margin vs -9.2%. CRM earns a higher WallStSmart Score of 73/100 (B).

ALKT

Avoid

32

out of 100

Grade: F

Growth: 7.3Profit: 2.0Value: 6.7Quality: 5.0
Piotroski: 2/9Altman Z: 0.05

CRM

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 8.0Quality: 4.5
Piotroski: 5/9Altman Z: 1.50
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ALKTUndervalued (+44.3%)

Margin of Safety

+44.3%

Fair Value

$30.29

Current Price

$15.53

$14.76 discount

UndervaluedFair: $30.29Overvalued
CRMUndervalued (+65.3%)

Margin of Safety

+65.3%

Fair Value

$713.65

Current Price

$242.11

$471.54 discount

UndervaluedFair: $713.65Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ALKT1 strengths · Avg: 8.0/10
Revenue GrowthGrowth
15.9%8/10

15.9% revenue growth

CRM6 strengths · Avg: 8.8/10
EPS GrowthGrowth
118.9%10/10

Earnings expanding 118.9% YoY

Market CapQuality
$198.10B9/10

Large-cap with strong market position

Return on EquityProfitability
25.2%9/10

Every $100 of equity generates 25 in profit

Profit MarginProfitability
22.0%9/10

Keeps 22 of every $100 in revenue as profit

PEG RatioValuation
0.788/10

Growing faster than its price suggests

Operating MarginProfitability
21.4%8/10

Strong operational efficiency at 21.4%

Areas to Watch

ALKT4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$1.47B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-14.1%2/10

ROE of -14.1% — below average capital efficiency

CRM2 concerns · Avg: 3.5/10
Altman Z-ScoreHealth
1.504/10

Distress zone — elevated risk

Debt/EquityHealth
1.093/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : ALKT

The strongest argument for ALKT centers on Revenue Growth. Revenue growth of 15.9% demonstrates continued momentum.

Bull Case : CRM

The strongest argument for CRM centers on EPS Growth, Market Cap, Return on Equity. Profitability is solid with margins at 22.0% and operating margin at 21.4%. Revenue growth of 10.8% demonstrates continued momentum.

Bear Case : ALKT

The primary concerns for ALKT are EPS Growth, Market Cap, Piotroski F-Score.

Bear Case : CRM

The primary concerns for CRM are Altman Z-Score, Debt/Equity.

Key Dynamics to Monitor

ALKT profiles as a growth stock while CRM is a mature play — different risk/reward profiles.

CRM carries more volatility with a beta of 1.26 — expect wider price swings.

ALKT is growing revenue faster at 15.9% — sustainability is the question.

CRM generates stronger free cash flow (1.1B), providing more financial flexibility.

Bottom Line

CRM scores higher overall (73/100 vs 32/100), backed by strong 22.0% margins and 10.8% revenue growth. ALKT offers better value entry with a 44.3% margin of safety. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Alkami Technology Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Alkami Technology, Inc. offers a cloud-based digital banking platform to serve banks and credit unions in the United States. The company is headquartered in Plano, Texas.

Salesforce.com Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Salesforce.com, Inc. is an American cloud-based software company headquartered in San Francisco, California. It provides customer relationship management (CRM) service and also provides a complementary suite of enterprise applications focused on customer service, marketing automation, analytics, and application development.

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