Salesforce.com Inc (CRM)vsDave Inc (DAVE)
CRM
Salesforce.com Inc
$247.72
+1.94%
TECHNOLOGY · Cap: $203.87B
DAVE
Dave Inc
$350.71
-2.13%
TECHNOLOGY · Cap: $4.62B
Smart Verdict
WallStSmart Research — data-driven comparison
Salesforce.com Inc generates 6726% more annual revenue ($43.94B vs $643.65M). DAVE leads profitability with a 34.6% profit margin vs 22.0%. CRM trades at a lower P/E of 22.7x. CRM earns a higher WallStSmart Score of 74/100 (B).
CRM
Strong Buy74
out of 100
Grade: B
DAVE
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+65.7%
Fair Value
$721.77
Current Price
$247.72
$474.05 discount
Margin of Safety
-12.6%
Fair Value
$150.61
Current Price
$350.71
$200.10 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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%
Every $100 of equity generates 110 in profit
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 33.0%
Safe zone — low bankruptcy risk
Revenue surging 29.6% year-over-year
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Elevated debt levels
Weak financial health signals
Trading at 21.5x book value
Earnings declined 21.0%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : DAVE
The strongest argument for DAVE centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 34.6% and operating margin at 33.0%. Revenue growth of 29.6% demonstrates continued momentum.
Bear Case : CRM
The primary concerns for CRM are Altman Z-Score, Debt/Equity.
Bear Case : DAVE
The primary concerns for DAVE are Debt/Equity, Piotroski F-Score, Price/Book.
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 3.84 — expect wider price swings.
DAVE is growing revenue faster at 29.6% — 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 58/100), backed by strong 22.0% margins and 10.8% revenue growth. 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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