WallStSmart

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

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Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 5578% more annual revenue ($41.52B vs $731.37M). CRM leads profitability with a 18.0% profit margin vs -5.3%. CRM appears more attractively valued with a PEG of 1.06. 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

CWAN

Hold

42

out of 100

Grade: D

Growth: 8.0Profit: 2.5Value: 4.0Quality: 6.0
Piotroski: 1/9Altman Z: 1.66
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 CWAN.

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

CWAN1 strengths · Avg: 10.0/10
Revenue GrowthGrowth
72.0%10/10

Revenue surging 72.0% year-over-year

Areas to Watch

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

Grey zone — moderate risk

CWAN4 concerns · Avg: 3.3/10
EPS GrowthGrowth
2.0%4/10

2.0% earnings growth

Altman Z-ScoreHealth
1.664/10

Distress zone — elevated risk

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

PEG RatioValuation
9.742/10

Expensive relative to growth rate

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 : CWAN

The strongest argument for CWAN centers on Revenue Growth. Revenue growth of 72.0% demonstrates continued momentum.

Bear Case : CRM

The primary concerns for CRM are Altman Z-Score.

Bear Case : CWAN

The primary concerns for CWAN are EPS Growth, Altman Z-Score, 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 1.31 — expect wider price swings.

CWAN is growing revenue faster at 72.0% — 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 42/100), 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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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, serving a diverse clientele that includes investment firms, insurance companies, and multinational corporations. By delivering advanced data aggregation and analytics on its cutting-edge platform, Clearwater enhances portfolio management and reporting capabilities, enabling clients to make informed strategic investment decisions. With a strong focus on operational efficiency and regulatory compliance, the company has established itself as a trusted partner within the financial services industry. As the financial technology landscape continues to evolve, Clearwater is well-positioned to capitalize on the growing demand for comprehensive investment solutions, driving sustainable growth and ongoing innovation.

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