WallStSmart

Salesforce.com Inc (CRM)vsClearwater Analytics Holdings Inc (CWAN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 5087% more annual revenue ($42.83B vs $825.73M). CRM leads profitability with a 18.7% profit margin vs -5.8%. CRM appears more attractively valued with a PEG of 1.02. CRM earns a higher WallStSmart Score of 71/100 (B).

CRM

Strong Buy

71

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 7.3Quality: 4.5
Piotroski: 5/9Altman Z: 1.50

CWAN

Hold

43

out of 100

Grade: D

Growth: 10.0Profit: 2.5Value: 3.0Quality: 6.0
Piotroski: 1/9Altman Z: 1.63
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRMUndervalued (+74.7%)

Margin of Safety

+74.7%

Fair Value

$722.63

Current Price

$185.66

$536.97 discount

UndervaluedFair: $722.63Overvalued
CWANSignificantly Overvalued (-16.1%)

Margin of Safety

-16.1%

Fair Value

$20.33

Current Price

$24.37

$4.04 premium

UndervaluedFair: $20.33Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRM5 strengths · Avg: 8.8/10
EPS GrowthGrowth
52.2%10/10

Earnings expanding 52.2% YoY

Market CapQuality
$164.49B9/10

Large-cap with strong market position

Return on EquityProfitability
23.4%9/10

Every $100 of equity generates 23 in profit

Operating MarginProfitability
21.8%8/10

Strong operational efficiency at 21.8%

Free Cash FlowQuality
$6.56B8/10

Generating 6.6B in free cash flow

CWAN2 strengths · Avg: 10.0/10
Revenue GrowthGrowth
74.4%10/10

Revenue surging 74.4% year-over-year

EPS GrowthGrowth
202.8%10/10

Earnings expanding 202.8% YoY

Areas to Watch

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

Distress zone — elevated risk

Debt/EquityHealth
1.223/10

Elevated debt levels

CWAN4 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.634/10

Distress zone — elevated risk

Operating MarginProfitability
4.1%3/10

Operating margin of 4.1%

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

PEG RatioValuation
10.372/10

Expensive relative to growth rate

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 18.7% and operating margin at 21.8%. Revenue growth of 13.3% demonstrates continued momentum.

Bull Case : CWAN

The strongest argument for CWAN centers on Revenue Growth, EPS Growth. Revenue growth of 74.4% demonstrates continued momentum.

Bear Case : CRM

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

Bear Case : CWAN

The primary concerns for CWAN are Altman Z-Score, Operating Margin, Piotroski F-Score.

Key Dynamics to Monitor

CRM profiles as a mature stock while CWAN is a hypergrowth play — different risk/reward profiles.

CRM carries more volatility with a beta of 1.14 — expect wider price swings.

CWAN is growing revenue faster at 74.4% — sustainability is the question.

CRM generates stronger free cash flow (6.6B), providing more financial flexibility.

Bottom Line

CRM scores higher overall (71/100 vs 43/100), backed by strong 18.7% margins and 13.3% revenue growth. Both earn "Strong 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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Clearwater Analytics Holdings Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Clearwater Analytics Holdings Inc. (CWAN) is a leading provider of innovative, cloud-based investment accounting and analytics solutions designed for investment firms, insurance companies, and multinational corporations. Its advanced platform enhances portfolio management and reporting capabilities, enabling clients to make informed strategic investment decisions while maintaining operational efficiency and regulatory compliance. Positioned at the forefront of the rapidly evolving financial technology sector, Clearwater is well-equipped to capitalize on the growing demand for comprehensive investment solutions, driving sustained growth and ongoing innovation within the financial services industry.

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