WallStSmart

Salesforce.com Inc (CRM)vsMIND CTI Ltd (MNDO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 219019% more annual revenue ($42.83B vs $19.55M). CRM leads profitability with a 18.7% profit margin vs 15.3%. CRM appears more attractively valued with a PEG of 1.02. CRM earns a higher WallStSmart Score of 71/100 (B).

CRM

Strong Buy

71

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 7.3Quality: 4.5
Piotroski: 5/9Altman Z: 1.50

MNDO

Buy

64

out of 100

Grade: C+

Growth: 5.3Profit: 7.0Value: 8.0Quality: 8.5
Piotroski: 2/9Altman Z: 3.13
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRMUndervalued (+74.7%)

Margin of Safety

+74.7%

Fair Value

$722.63

Current Price

$185.66

$536.97 discount

UndervaluedFair: $722.63Overvalued
MNDOUndervalued (+37.6%)

Margin of Safety

+37.6%

Fair Value

$1.81

Current Price

$0.92

$0.89 discount

UndervaluedFair: $1.81Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRM5 strengths · Avg: 8.8/10
EPS GrowthGrowth
52.2%10/10

Earnings expanding 52.2% YoY

Market CapQuality
$164.49B9/10

Large-cap with strong market position

Return on EquityProfitability
23.4%9/10

Every $100 of equity generates 23 in profit

Operating MarginProfitability
21.8%8/10

Strong operational efficiency at 21.8%

Free Cash FlowQuality
$6.56B8/10

Generating 6.6B in free cash flow

MNDO5 strengths · Avg: 10.0/10
P/E RatioValuation
6.1x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

EPS GrowthGrowth
100.0%10/10

Earnings expanding 100.0% YoY

Debt/EquityHealth
0.0410/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
3.1310/10

Safe zone — low bankruptcy risk

Areas to Watch

CRM2 concerns · Avg: 3.5/10
Altman Z-ScoreHealth
1.504/10

Distress zone — elevated risk

Debt/EquityHealth
1.223/10

Elevated debt levels

MNDO4 concerns · Avg: 3.5/10
PEG RatioValuation
2.234/10

Expensive relative to growth rate

Revenue GrowthGrowth
1.8%4/10

1.8% revenue growth

Market CapQuality
$18.57M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : CRM

The strongest argument for CRM centers on EPS Growth, Market Cap, Return on Equity. Profitability is solid with margins at 18.7% and operating margin at 21.8%. Revenue growth of 13.3% demonstrates continued momentum.

Bull Case : MNDO

The strongest argument for MNDO centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 15.3% and operating margin at 18.1%.

Bear Case : CRM

The primary concerns for CRM are Altman Z-Score, Debt/Equity.

Bear Case : MNDO

The primary concerns for MNDO are PEG Ratio, Revenue Growth, Market Cap.

Key Dynamics to Monitor

CRM profiles as a mature stock while MNDO is a value play — different risk/reward profiles.

CRM carries more volatility with a beta of 1.14 — expect wider price swings.

CRM is growing revenue faster at 13.3% — sustainability is the question.

CRM generates stronger free cash flow (6.6B), providing more financial flexibility.

Bottom Line

CRM scores higher overall (71/100 vs 64/100), backed by strong 18.7% margins and 13.3% revenue growth. MNDO offers better value entry with a 37.6% 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.

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MIND CTI Ltd

TECHNOLOGY · SOFTWARE - APPLICATION · USA

MIND CTI Ltd. designs, develops, markets, supports, implements and operates offline and real-time customer support and converged billing software solutions in the Americas, Europe, Israel, Asia Pacific and Africa. The company is headquartered in Yokne'am Illit, Israel.

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