Salesforce.com Inc (CRM)vsExpensify Inc (EXFY)
CRM
Salesforce.com Inc
$181.50
+3.79%
TECHNOLOGY · Cap: $139.28B
EXFY
Expensify Inc
$1.80
+0.56%
TECHNOLOGY · Cap: $165.87M
Smart Verdict
WallStSmart Research — data-driven comparison
Salesforce.com Inc generates 30493% more annual revenue ($42.83B vs $140.00M). CRM leads profitability with a 18.7% profit margin vs -14.7%. CRM earns a higher WallStSmart Score of 76/100 (B+).
CRM
Strong Buy76
out of 100
Grade: B+
EXFY
Hold37
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.6%
Fair Value
$713.24
Current Price
$181.50
$531.74 discount
Margin of Safety
+67.8%
Fair Value
$3.95
Current Price
$1.80
$2.15 discount
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
Reasonable price relative to book value
Earnings expanding 2755.0% YoY
Conservative balance sheet, low leverage
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
Weak financial health signals
ROE of -15.0% — below average capital efficiency
Revenue declined 5.8%
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 : EXFY
The strongest argument for EXFY centers on Price/Book, EPS Growth, Debt/Equity.
Bear Case : CRM
The primary concerns for CRM are Altman Z-Score, Debt/Equity.
Bear Case : EXFY
The primary concerns for EXFY are Market Cap, Piotroski F-Score, Return on Equity.
Key Dynamics to Monitor
CRM profiles as a mature stock while EXFY is a turnaround play — different risk/reward profiles.
EXFY carries more volatility with a beta of 1.69 — expect wider price swings.
CRM is growing revenue faster at 13.3% — 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 37/100), backed by strong 18.7% margins and 13.3% revenue growth. EXFY offers better value entry with a 67.8% margin of safety. 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.
Visit Website →Expensify Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Expensify, Inc. provides a cloud-based expense management software platform for individuals, small businesses, and corporations in the United States and internationally. The company is headquartered in Portland, Oregon.
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