WallStSmart

Appfolio Inc (APPF)vsSalesforce.com Inc (CRM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 4121% more annual revenue ($43.94B vs $1.04B). CRM leads profitability with a 22.0% profit margin vs 15.1%. CRM appears more attractively valued with a PEG of 0.90. CRM earns a higher WallStSmart Score of 74/100 (B).

APPF

Buy

58

out of 100

Grade: C

Growth: 8.7Profit: 9.0Value: 5.3Quality: 8.5
Piotroski: 3/9Altman Z: 5.09

CRM

Strong Buy

74

out of 100

Grade: B

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

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

APPFUndervalued (+32.6%)

Margin of Safety

+32.6%

Fair Value

$265.35

Current Price

$208.48

$56.87 discount

UndervaluedFair: $265.35Overvalued
CRMUndervalued (+65.7%)

Margin of Safety

+65.7%

Fair Value

$721.77

Current Price

$247.72

$474.05 discount

UndervaluedFair: $721.77Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

APPF4 strengths · Avg: 9.5/10
Return on EquityProfitability
32.3%10/10

Every $100 of equity generates 32 in profit

Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
5.0910/10

Safe zone — low bankruptcy risk

Revenue GrowthGrowth
19.3%8/10

19.3% revenue growth

CRM6 strengths · Avg: 9.0/10
Market CapQuality
$203.87B10/10

Mega-cap, among the largest globally

EPS GrowthGrowth
118.9%10/10

Earnings expanding 118.9% YoY

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
0.908/10

Growing faster than its price suggests

Operating MarginProfitability
21.4%8/10

Strong operational efficiency at 21.4%

Areas to Watch

APPF4 concerns · Avg: 2.8/10
Price/BookValuation
14.0x4/10

Trading at 14.0x book value

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
7.452/10

Expensive relative to growth rate

P/E RatioValuation
46.9x2/10

Premium valuation, high expectations priced in

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

Distress zone — elevated risk

Debt/EquityHealth
1.093/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : APPF

The strongest argument for APPF centers on Return on Equity, Debt/Equity, Altman Z-Score. Profitability is solid with margins at 15.1% and operating margin at 18.9%. Revenue growth of 19.3% demonstrates continued momentum.

Bull Case : CRM

The strongest argument for CRM centers on Market Cap, EPS Growth, 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.

Bear Case : APPF

The primary concerns for APPF are Price/Book, Piotroski F-Score, PEG Ratio. A P/E of 46.9x leaves little room for execution misses.

Bear Case : CRM

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

Key Dynamics to Monitor

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

CRM carries more volatility with a beta of 1.20 — expect wider price swings.

APPF is growing revenue faster at 19.3% — sustainability is the question.

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

Bottom Line

CRM scores higher overall (74/100 vs 58/100), backed by strong 22.0% margins and 10.8% revenue growth. APPF offers better value entry with a 32.6% 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.

Appfolio Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

AppFolio, Inc. provides industry-specific cloud-based enterprise software data analytics, services and solutions for the real estate industry. The company is headquartered in Santa Barbara, California.

Visit Website →

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 →

Want to dig deeper into these stocks?