Salesforce.com Inc (CRM)vsDave Inc (DAVE)
CRM
Salesforce.com Inc
$181.96
-0.58%
TECHNOLOGY · Cap: $171.49B
DAVE
Dave Inc
$181.01
-12.30%
TECHNOLOGY · Cap: $2.74B
Smart Verdict
WallStSmart Research — data-driven comparison
Salesforce.com Inc generates 7393% more annual revenue ($41.52B vs $554.18M). DAVE leads profitability with a 35.3% profit margin vs 18.0%. DAVE trades at a lower P/E of 15.3x. DAVE earns a higher WallStSmart Score of 70/100 (B).
CRM
Buy63
out of 100
Grade: C+
DAVE
Strong Buy70
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+34.2%
Fair Value
$276.43
Current Price
$181.96
$94.47 discount
Margin of Safety
+73.2%
Fair Value
$633.20
Current Price
$181.00
$452.20 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Generating 5.3B in free cash flow
Every $100 of equity generates 73 in profit
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 39.4%
Revenue surging 62.4% year-over-year
Earnings expanding 292.4% YoY
Safe zone — low bankruptcy risk
Areas to Watch
Grey zone — moderate risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : CRM
The strongest argument for CRM centers on Market Cap, Debt/Equity, Price/Book. Profitability is solid with margins at 18.0% and operating margin at 19.2%. Revenue growth of 12.1% demonstrates continued momentum.
Bull Case : DAVE
The strongest argument for DAVE centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 35.3% and operating margin at 39.4%. Revenue growth of 62.4% demonstrates continued momentum.
Bear Case : CRM
The primary concerns for CRM are Altman Z-Score.
Bear Case : DAVE
No major red flags identified for DAVE, but monitor valuation.
Key Dynamics to Monitor
CRM profiles as a mature stock while DAVE is a growth play — different risk/reward profiles.
DAVE carries more volatility with a beta of 3.87 — expect wider price swings.
DAVE is growing revenue faster at 62.4% — sustainability is the question.
CRM generates stronger free cash flow (5.3B), providing more financial flexibility.
Bottom Line
DAVE scores higher overall (70/100 vs 63/100), backed by strong 35.3% margins and 62.4% revenue growth. CRM offers better value entry with a 34.2% 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.
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.
Visit Website →Dave Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Dave Inc. (Ticker: DAVE) is a U.S.–based financial technology (fintech) and digital banking company that offers consumer-focused financial products and services through its mobile platform. Its offerings include budgeting tools to help users manage income and expenses, ExtraCash short-term cash advances, digital checking accounts via Dave Banking, and a job-finding feature called Side Hustle. The company’s platform aims to provide accessible, modern financial solutions designed as alternatives to traditional banking fees and overdraft charges.
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