Salesforce.com Inc (CRM)vsDave Inc (DAVE)
CRM
Salesforce.com Inc
$185.66
-0.34%
TECHNOLOGY · Cap: $164.49B
DAVE
Dave Inc
$258.25
-1.31%
TECHNOLOGY · Cap: $3.65B
Smart Verdict
WallStSmart Research — data-driven comparison
Salesforce.com Inc generates 6984% more annual revenue ($42.83B vs $604.62M). DAVE leads profitability with a 37.2% profit margin vs 18.7%. DAVE trades at a lower P/E of 18.4x. CRM earns a higher WallStSmart Score of 71/100 (B).
CRM
Strong Buy71
out of 100
Grade: B
DAVE
Strong Buy70
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.7%
Fair Value
$722.63
Current Price
$185.66
$536.97 discount
Margin of Safety
-28.7%
Fair Value
$131.75
Current Price
$258.25
$126.50 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 52.2% YoY
Large-cap with strong market position
Every $100 of equity generates 23 in profit
Strong operational efficiency at 21.8%
Generating 6.6B in free cash flow
Every $100 of equity generates 110 in profit
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 38.3%
Revenue surging 46.7% year-over-year
Earnings expanding 104.1% YoY
Safe zone — low bankruptcy risk
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Trading at 16.1x book value
Elevated debt levels
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull 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 : DAVE
The strongest argument for DAVE centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 37.2% and operating margin at 38.3%. Revenue growth of 46.7% demonstrates continued momentum.
Bear Case : CRM
The primary concerns for CRM are Altman Z-Score, Debt/Equity.
Bear Case : DAVE
The primary concerns for DAVE are Price/Book, Debt/Equity, Piotroski F-Score.
Key Dynamics to Monitor
CRM profiles as a mature stock while DAVE is a growth play — different risk/reward profiles.
DAVE carries more volatility with a beta of 3.88 — expect wider price swings.
DAVE is growing revenue faster at 46.7% — 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 70/100), backed by strong 18.7% margins and 13.3% revenue growth. Both earn "Strong Buy" and "Strong 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.
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 →Dave Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Dave Inc. (Ticker: DAVE) is a U.S.–based financial technology (fintech) and digital banking company that offers consumer-focused financial products and services through its mobile platform. Its offerings include budgeting tools to help users manage income and expenses, ExtraCash short-term cash advances, digital checking accounts via Dave Banking, and a job-finding feature called Side Hustle. The company’s platform aims to provide accessible, modern financial solutions designed as alternatives to traditional banking fees and overdraft charges.
Compare with Other SOFTWARE - APPLICATION Stocks
Want to dig deeper into these stocks?