WallStSmart

Salesforce.com Inc (CRM)vsNetSol Technologies Inc (NTWK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 59414% more annual revenue ($41.52B vs $69.77M). CRM leads profitability with a 18.0% profit margin vs 2.7%. NTWK appears more attractively valued with a PEG of 0.35. NTWK earns a higher WallStSmart Score of 65/100 (C+).

CRM

Buy

63

out of 100

Grade: C+

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

NTWK

Buy

65

out of 100

Grade: C+

Growth: 5.3Profit: 5.5Value: 10.0Quality: 5.0
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
NTWKUndervalued (+57.7%)

Margin of Safety

+57.7%

Fair Value

$7.49

Current Price

$3.39

$4.10 discount

UndervaluedFair: $7.49Overvalued

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

NTWK3 strengths · Avg: 9.3/10
PEG RatioValuation
0.3510/10

Growing faster than its price suggests

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
21.1%8/10

Revenue surging 21.1% year-over-year

Areas to Watch

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

Grey zone — moderate risk

NTWK4 concerns · Avg: 3.0/10
EPS GrowthGrowth
3.2%4/10

3.2% earnings growth

Market CapQuality
$41.36M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
2.7%3/10

2.7% margin — thin

Free Cash FlowQuality
$-5.12M2/10

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 : NTWK

The strongest argument for NTWK centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 21.1% demonstrates continued momentum. PEG of 0.35 suggests the stock is reasonably priced for its growth.

Bear Case : CRM

The primary concerns for CRM are Altman Z-Score.

Bear Case : NTWK

The primary concerns for NTWK are EPS Growth, Market Cap, Profit Margin. Thin 2.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

CRM carries more volatility with a beta of 1.31 — expect wider price swings.

NTWK is growing revenue faster at 21.1% — sustainability is the question.

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

Bottom Line

NTWK scores higher overall (65/100 vs 63/100) and 21.1% revenue growth. CRM offers better value entry with a 34.2% margin of safety. Both earn "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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NetSol Technologies Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

NetSol Technologies, Inc. designs, develops, markets and exports software products to the global auto finance and leasing, banking and financial services industries. The company is headquartered in Calabasas, California.

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