Salesforce.com Inc (CRM)vsUpbound Group Inc. (UPBD)
CRM
Salesforce.com Inc
$234.02
-1.76%
TECHNOLOGY · Cap: $195.53B
UPBD
Upbound Group Inc.
$16.09
+1.39%
TECHNOLOGY · Cap: $978.26M
Smart Verdict
WallStSmart Research — data-driven comparison
Salesforce.com Inc generates 826% more annual revenue ($43.94B vs $4.74B). CRM leads profitability with a 22.0% profit margin vs 1.9%. CRM appears more attractively valued with a PEG of 0.78. CRM earns a higher WallStSmart Score of 73/100 (B).
CRM
Strong Buy73
out of 100
Grade: B
UPBD
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+66.9%
Fair Value
$719.75
Current Price
$234.02
$485.73 discount
Margin of Safety
+34.6%
Fair Value
$30.28
Current Price
$16.09
$14.19 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 118.9% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Keeps 22 of every $100 in revenue as profit
Growing faster than its price suggests
Strong operational efficiency at 21.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 42.3% YoY
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
0.5% revenue growth
Smaller company, higher risk/reward
1.9% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull 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 : UPBD
The strongest argument for UPBD centers on P/E Ratio, Price/Book, EPS Growth. PEG of 1.39 suggests the stock is reasonably priced for its growth.
Bear Case : CRM
The primary concerns for CRM are Altman Z-Score, Debt/Equity.
Bear Case : UPBD
The primary concerns for UPBD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 2.33 is elevated, increasing financial risk. Thin 1.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
CRM profiles as a mature stock while UPBD is a value play — different risk/reward profiles.
UPBD carries more volatility with a beta of 1.77 — expect wider price swings.
CRM is growing revenue faster at 10.8% — 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 63/100), backed by strong 22.0% margins and 10.8% revenue growth. UPBD offers better value entry with a 34.6% 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.
Visit Website →Upbound Group Inc.
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Upbound Group, Inc., an omni-channel platform company, leases household durable goods to customers on a lease-to-own basis in the United States, Puerto Rico, and Mexico. The company is headquartered in Plano, Texas.
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