Bill Com Holdings Inc (BILL)vsSalesforce.com Inc (CRM)
BILL
Bill Com Holdings Inc
$47.25
-0.80%
TECHNOLOGY · Cap: $4.06B
CRM
Salesforce.com Inc
$247.72
+1.94%
TECHNOLOGY · Cap: $203.87B
Smart Verdict
WallStSmart Research — data-driven comparison
Salesforce.com Inc generates 2558% more annual revenue ($43.94B vs $1.65B). CRM leads profitability with a 22.0% profit margin vs -0.7%. BILL appears more attractively valued with a PEG of 0.48. CRM earns a higher WallStSmart Score of 74/100 (B).
BILL
Buy50
out of 100
Grade: C-
CRM
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+83.1%
Fair Value
$278.07
Current Price
$47.25
$230.82 discount
Margin of Safety
+65.7%
Fair Value
$721.77
Current Price
$247.72
$474.05 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Mega-cap, among the largest globally
Earnings expanding 118.9% YoY
Every $100 of equity generates 25 in profit
Keeps 22 of every $100 in revenue as profit
Growing faster than its price suggests
Strong operational efficiency at 21.4%
Areas to Watch
0.0% earnings growth
ROE of 0.0% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : BILL
The strongest argument for BILL centers on PEG Ratio, Price/Book. Revenue growth of 13.8% demonstrates continued momentum. PEG of 0.48 suggests the stock is reasonably priced for its growth.
Bull Case : CRM
The strongest argument for CRM centers on Market Cap, EPS Growth, 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 : BILL
The primary concerns for BILL are EPS Growth, Return on Equity, Piotroski F-Score.
Bear Case : CRM
The primary concerns for CRM are Altman Z-Score, Debt/Equity.
Key Dynamics to Monitor
BILL profiles as a turnaround stock while CRM is a mature play — different risk/reward profiles.
CRM carries more volatility with a beta of 1.20 — expect wider price swings.
BILL is growing revenue faster at 13.8% — sustainability is the question.
CRM generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
CRM scores higher overall (74/100 vs 50/100), backed by strong 22.0% margins and 10.8% revenue growth. BILL offers better value entry with a 83.1% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Bill Com Holdings Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Bill.com Holdings, Inc. provides cloud-based software that digitizes and automates financial back-office operations for small and medium-sized businesses globally. The company is headquartered in Palo Alto, California.
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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