WallStSmart

Salesforce.com Inc (CRM)vsCurrenc Group Inc. Ordinary Shares (CURR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 103126% more annual revenue ($41.52B vs $40.23M). CRM leads profitability with a 18.0% profit margin vs -84.7%. 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

CURR

Avoid

23

out of 100

Grade: F

Growth: 2.7Profit: 4.0Value: 5.0Quality: 5.0
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

Intrinsic value data unavailable for CURR.

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

CURR1 strengths · Avg: 10.0/10
Operating MarginProfitability
45.8%10/10

Strong operational efficiency at 45.8%

Areas to Watch

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

Grey zone — moderate risk

CURR4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$203.02M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-35.0%2/10

ROE of -35.0% — below average capital efficiency

Revenue GrowthGrowth
-7.7%2/10

Revenue declined 7.7%

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 : CURR

The strongest argument for CURR centers on Operating Margin.

Bear Case : CRM

The primary concerns for CRM are Altman Z-Score.

Bear Case : CURR

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

Key Dynamics to Monitor

CRM profiles as a mature stock while CURR is a turnaround play — different risk/reward profiles.

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

CRM is growing revenue faster at 12.1% — 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 23/100), backed by strong 18.0% margins and 12.1% revenue growth. Both earn "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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Currenc Group Inc. Ordinary Shares

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Avenir Wellness Solutions, Inc., through its subsidiary The Sera Labs, Inc., engages in the development of nutraceutical formulation and delivery technologies in novel dosage forms to improve efficacy and enhance wellness. The company is headquartered in Sherman Oaks, California.

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