Salesforce.com Inc (CRM)vsDave Inc (DAVE)
CRM
Salesforce.com Inc
$188.38
-4.06%
TECHNOLOGY · Cap: $139.28B
DAVE
Dave Inc
$377.64
-0.36%
TECHNOLOGY · Cap: $5.57B
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%. CRM trades at a lower P/E of 19.7x. CRM earns a higher WallStSmart Score of 76/100 (B+).
CRM
Strong Buy76
out of 100
Grade: B+
DAVE
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.6%
Fair Value
$713.24
Current Price
$188.38
$524.86 discount
Margin of Safety
-22.9%
Fair Value
$137.96
Current Price
$377.64
$239.68 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
Growing faster than its price suggests
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
Moderate valuation
Elevated debt levels
Weak financial health signals
Trading at 23.6x book value
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 P/E Ratio, 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 3.83 — 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 (76/100 vs 68/100), 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.
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