WallStSmart

Salesforce.com Inc (CRM)vsClear Secure Inc (YOU)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 4510% more annual revenue ($41.52B vs $900.78M). CRM leads profitability with a 18.0% profit margin vs 12.1%. CRM trades at a lower P/E of 23.5x. 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

YOU

Hold

48

out of 100

Grade: D+

Growth: 6.7Profit: 8.0Value: 5.7Quality: 4.3
Piotroski: 3/9Altman Z: 1.59
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
YOUSignificantly Overvalued (-327.0%)

Margin of Safety

-327.0%

Fair Value

$7.62

Current Price

$54.48

$46.86 premium

UndervaluedFair: $7.62Overvalued

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

YOU3 strengths · Avg: 8.7/10
Return on EquityProfitability
76.0%10/10

Every $100 of equity generates 76 in profit

Operating MarginProfitability
22.4%8/10

Strong operational efficiency at 22.4%

Revenue GrowthGrowth
16.7%8/10

16.7% revenue growth

Areas to Watch

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

Grey zone — moderate risk

YOU4 concerns · Avg: 2.8/10
Altman Z-ScoreHealth
1.594/10

Distress zone — elevated risk

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

P/E RatioValuation
47.8x2/10

Premium valuation, high expectations priced in

Price/BookValuation
30.1x2/10

Trading at 30.1x book value

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 : YOU

The strongest argument for YOU centers on Return on Equity, Operating Margin, Revenue Growth. Revenue growth of 16.7% demonstrates continued momentum.

Bear Case : CRM

The primary concerns for CRM are Altman Z-Score.

Bear Case : YOU

The primary concerns for YOU are Altman Z-Score, Piotroski F-Score, P/E Ratio. A P/E of 47.8x leaves little room for execution misses.

Key Dynamics to Monitor

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

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

YOU is growing revenue faster at 16.7% — sustainability is the question.

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

Bottom Line

CRM scores higher overall (63/100 vs 48/100), 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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Clear Secure Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Clear Secure, Inc. is focused on operating as a holding company for Alclear Holdings LLC providing a member-centric secure identity platform using biometric data in the United States. The company is headquartered in New York, New York.

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