WallStSmart

Salesforce.com Inc (CRM)vsPattern Group Inc. Series A Common Stock (PTRN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 1560% more annual revenue ($41.52B vs $2.50B). PTRN leads profitability with a 65.0% profit margin vs 18.0%. 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

PTRN

Hold

47

out of 100

Grade: D+

Growth: 9.3Profit: 5.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 5.46
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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 PTRN.

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

PTRN5 strengths · Avg: 9.6/10
Profit MarginProfitability
65.0%10/10

Keeps 65 of every $100 in revenue as profit

Revenue GrowthGrowth
40.3%10/10

Revenue surging 40.3% year-over-year

Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
5.4610/10

Safe zone — low bankruptcy risk

EPS GrowthGrowth
24.4%8/10

Earnings expanding 24.4% YoY

Areas to Watch

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

Grey zone — moderate risk

PTRN3 concerns · Avg: 3.0/10
Return on EquityProfitability
3.4%3/10

ROE of 3.4% — below average capital efficiency

Operating MarginProfitability
3.6%3/10

Operating margin of 3.6%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 : PTRN

The strongest argument for PTRN centers on Profit Margin, Revenue Growth, Debt/Equity. Profitability is solid with margins at 65.0% and operating margin at 3.6%. Revenue growth of 40.3% demonstrates continued momentum.

Bear Case : CRM

The primary concerns for CRM are Altman Z-Score.

Bear Case : PTRN

The primary concerns for PTRN are Return on Equity, Operating Margin, Piotroski F-Score.

Key Dynamics to Monitor

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

PTRN is growing revenue faster at 40.3% — 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 47/100), backed by strong 18.0% margins and 12.1% revenue growth. Both earn "Buy" and "Hold" 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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Pattern Group Inc. Series A Common Stock

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Pattern Group Inc. operates online marketplaces that sell various consumer products. The company is headquartered in Lehi, Utah.

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