WallStSmart

Salesforce.com Inc (CRM)vsRiskified Ltd (RSKD)

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Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 11835% more annual revenue ($43.94B vs $368.15M). CRM leads profitability with a 22.0% profit margin vs -4.2%. CRM earns a higher WallStSmart Score of 73/100 (B).

CRM

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 8.0Quality: 4.5
Piotroski: 5/9Altman Z: 1.50

RSKD

Avoid

32

out of 100

Grade: F

Growth: 6.0Profit: 2.0Value: 6.7Quality: 7.5
Piotroski: 4/9Altman Z: 1.41
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRMUndervalued (+66.9%)

Margin of Safety

+66.9%

Fair Value

$719.75

Current Price

$234.02

$485.73 discount

UndervaluedFair: $719.75Overvalued
RSKDUndervalued (+56.2%)

Margin of Safety

+56.2%

Fair Value

$10.04

Current Price

$7.78

$2.26 discount

UndervaluedFair: $10.04Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRM6 strengths · Avg: 8.8/10
EPS GrowthGrowth
118.9%10/10

Earnings expanding 118.9% YoY

Market CapQuality
$195.53B9/10

Large-cap with strong market position

Return on EquityProfitability
25.2%9/10

Every $100 of equity generates 25 in profit

Profit MarginProfitability
22.0%9/10

Keeps 22 of every $100 in revenue as profit

PEG RatioValuation
0.788/10

Growing faster than its price suggests

Operating MarginProfitability
21.4%8/10

Strong operational efficiency at 21.4%

RSKD2 strengths · Avg: 8.5/10
Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Revenue GrowthGrowth
21.8%8/10

Revenue surging 21.8% year-over-year

Areas to Watch

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

Distress zone — elevated risk

Debt/EquityHealth
1.093/10

Elevated debt levels

RSKD4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$819.95M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-7.5%2/10

ROE of -7.5% — below average capital efficiency

Altman Z-ScoreHealth
1.412/10

Distress zone — elevated risk

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 22.0% and operating margin at 21.4%. Revenue growth of 10.8% demonstrates continued momentum.

Bull Case : RSKD

The strongest argument for RSKD centers on Debt/Equity, Revenue Growth. Revenue growth of 21.8% demonstrates continued momentum.

Bear Case : CRM

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

Bear Case : RSKD

The primary concerns for RSKD are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

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

RSKD carries more volatility with a beta of 1.38 — expect wider price swings.

RSKD is growing revenue faster at 21.8% — sustainability is the question.

CRM generates stronger free cash flow (1.1B), providing more financial flexibility.

Bottom Line

CRM scores higher overall (73/100 vs 32/100), backed by strong 22.0% margins and 10.8% revenue growth. RSKD offers better value entry with a 56.2% margin of safety. Both earn "Strong 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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Riskified Ltd

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Riskified Ltd. is a leading player in the fraud prevention industry, specializing in advanced machine learning and data analytics solutions designed for eCommerce merchants. By improving transaction approval rates and reducing fraud-related losses, the company helps safeguard merchant revenues while enhancing customer experiences. With a strong foothold in the rapidly evolving digital payments sector, Riskified is well-positioned for sustained growth and innovation, continually leveraging its technological expertise to strengthen its competitive advantage in the dynamic eCommerce landscape.

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