WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 8975% more annual revenue ($42.83B vs $471.94M). CRM leads profitability with a 18.7% profit margin vs -10.5%. CRM earns a higher WallStSmart Score of 71/100 (B).

ALKT

Avoid

34

out of 100

Grade: F

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

CRM

Strong Buy

71

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 7.3Quality: 4.5
Piotroski: 5/9Altman Z: 1.50
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ALKTUndervalued (+46.0%)

Margin of Safety

+46.0%

Fair Value

$31.20

Current Price

$15.89

$15.31 discount

UndervaluedFair: $31.20Overvalued
CRMUndervalued (+74.7%)

Margin of Safety

+74.7%

Fair Value

$722.63

Current Price

$185.66

$536.97 discount

UndervaluedFair: $722.63Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ALKT1 strengths · Avg: 8.0/10
Revenue GrowthGrowth
28.9%8/10

Revenue surging 28.9% year-over-year

CRM5 strengths · Avg: 8.8/10
EPS GrowthGrowth
52.2%10/10

Earnings expanding 52.2% YoY

Market CapQuality
$164.49B9/10

Large-cap with strong market position

Return on EquityProfitability
23.4%9/10

Every $100 of equity generates 23 in profit

Operating MarginProfitability
21.8%8/10

Strong operational efficiency at 21.8%

Free Cash FlowQuality
$6.56B8/10

Generating 6.6B in free cash flow

Areas to Watch

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

0.0% earnings growth

Market CapQuality
$1.63B3/10

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
1.223/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : ALKT

The strongest argument for ALKT centers on Revenue Growth. Revenue growth of 28.9% 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 18.7% and operating margin at 21.8%. Revenue growth of 13.3% 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 1.14 — expect wider price swings.

ALKT is growing revenue faster at 28.9% — sustainability is the question.

CRM generates stronger free cash flow (6.6B), providing more financial flexibility.

Bottom Line

CRM scores higher overall (71/100 vs 34/100), backed by strong 18.7% margins and 13.3% revenue growth. ALKT offers better value entry with a 46.0% 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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