Salesforce.com Inc (CRM)vsFair Isaac Corporation (FICO)
CRM
Salesforce.com Inc
$240.89
+0.51%
TECHNOLOGY · Cap: $198.10B
FICO
Fair Isaac Corporation
$698.18
+0.93%
TECHNOLOGY · Cap: $16.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Salesforce.com Inc generates 1736% more annual revenue ($43.94B vs $2.39B). FICO leads profitability with a 34.1% profit margin vs 22.0%. FICO appears more attractively valued with a PEG of 0.70. FICO earns a higher WallStSmart Score of 80/100 (B+).
CRM
Strong Buy73
out of 100
Grade: B
FICO
Strong Buy80
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+65.3%
Fair Value
$713.65
Current Price
$240.89
$472.76 discount
Intrinsic value data unavailable for FICO.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 118.9% YoY
Large-cap with strong market position
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 36 in profit
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 53.8%
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : FICO
The strongest argument for FICO centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 34.1% and operating margin at 53.8%. Revenue growth of 25.7% demonstrates continued momentum.
Bear Case : CRM
The primary concerns for CRM are Altman Z-Score, Debt/Equity.
Bear Case : FICO
No major red flags identified for FICO, but monitor valuation.
Key Dynamics to Monitor
CRM profiles as a mature stock while FICO is a growth play — different risk/reward profiles.
FICO carries more volatility with a beta of 1.34 — expect wider price swings.
FICO is growing revenue faster at 25.7% — sustainability is the question.
CRM generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
FICO scores higher overall (80/100 vs 73/100), backed by strong 34.1% margins and 25.7% revenue growth. CRM offers better value entry with a 65.3% margin of safety. Both earn "Strong Buy" and "Strong 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 →Fair Isaac Corporation
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Fair Isaac Corporation develops data management, software and analytics products and services that enable companies to automate, improve and connect decisions in North America, Latin America, Europe, the Middle East, Africa and Asia Pacific. The company is headquartered in San Jose, California.
Visit Website →Compare with Other SOFTWARE - APPLICATION Stocks
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