WallStSmart

Salesforce.com Inc (CRM)vsmF International Limited Ordinary Shares (MFI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 144668% more annual revenue ($41.52B vs $28.68M). CRM leads profitability with a 18.0% profit margin vs -98.9%. CRM earns a higher WallStSmart Score of 63/100 (C+).

CRM

Buy

63

out of 100

Grade: C+

Growth: 6.7Profit: 7.0Value: 10.0Quality: 6.0
Piotroski: 5/9Altman Z: 1.83

MFI

Avoid

28

out of 100

Grade: F

Growth: 6.7Profit: 2.0Value: 5.0Quality: 5.0
Piotroski: 3/9Altman Z: 0.41
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRMUndervalued (+34.2%)

Margin of Safety

+34.2%

Fair Value

$276.43

Current Price

$181.96

$94.47 discount

UndervaluedFair: $276.43Overvalued

Intrinsic value data unavailable for MFI.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRM4 strengths · Avg: 8.5/10
Market CapQuality
$171.49B9/10

Large-cap with strong market position

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.32B8/10

Generating 5.3B in free cash flow

MFI3 strengths · Avg: 9.0/10
EPS GrowthGrowth
117.9%10/10

Earnings expanding 117.9% YoY

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Revenue GrowthGrowth
20.8%8/10

Revenue surging 20.8% year-over-year

Areas to Watch

CRM1 concerns · Avg: 4.0/10
Altman Z-ScoreHealth
1.834/10

Grey zone — moderate risk

MFI4 concerns · Avg: 2.5/10
Market CapQuality
$532.06M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-77.9%2/10

ROE of -77.9% — below average capital efficiency

Free Cash FlowQuality
$-2.66M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull 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 : MFI

The strongest argument for MFI centers on EPS Growth, Debt/Equity, Revenue Growth. Revenue growth of 20.8% demonstrates continued momentum.

Bear Case : CRM

The primary concerns for CRM are Altman Z-Score.

Bear Case : MFI

The primary concerns for MFI are Market Cap, Piotroski F-Score, Return on Equity.

Key Dynamics to Monitor

CRM profiles as a mature stock while MFI is a growth play — different risk/reward profiles.

MFI is growing revenue faster at 20.8% — sustainability is the question.

CRM generates stronger free cash flow (5.3B), providing more financial flexibility.

Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CRM scores higher overall (63/100 vs 28/100), backed by strong 18.0% margins and 12.1% revenue growth. Both earn "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.

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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mF International Limited Ordinary Shares

TECHNOLOGY · SOFTWARE - APPLICATION · USA

mF International Limited is a forward-thinking technology company specializing in advanced financial solutions within the fintech sector. Leveraging innovative analytics and comprehensive software platforms, the firm offers tailored payment processing services aimed at optimizing the digital transaction experience for a wide range of clients, from businesses to individual consumers. With a strategic focus on enhancing financial inclusion and operational efficiency, mF International is poised to capitalize on emerging opportunities in the fast-growing digital financial services market. Backed by a seasoned management team and robust growth initiatives, the company is well-positioned to maintain a competitive advantage in the evolving global fintech landscape.

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