Salesforce.com Inc (CRM)vsFair Isaac Corporation (FICO)
CRM
Salesforce.com Inc
$185.66
-0.34%
TECHNOLOGY · Cap: $164.49B
FICO
Fair Isaac Corporation
$1,137.33
-2.52%
TECHNOLOGY · Cap: $27.35B
Smart Verdict
WallStSmart Research — data-driven comparison
Salesforce.com Inc generates 1799% more annual revenue ($42.83B vs $2.26B). FICO leads profitability with a 33.7% profit margin vs 18.7%. FICO appears more attractively valued with a PEG of 0.79. FICO earns a higher WallStSmart Score of 79/100 (B+).
CRM
Strong Buy71
out of 100
Grade: B
FICO
Strong Buy79
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
Intrinsic value data unavailable for FICO.
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 36 in profit
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 58.2%
Revenue surging 38.7% year-over-year
Earnings expanding 69.0% YoY
Conservative balance sheet, low leverage
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Premium valuation, high expectations priced in
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 : FICO
The strongest argument for FICO centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 33.7% and operating margin at 58.2%. Revenue growth of 38.7% demonstrates continued momentum.
Bear Case : CRM
The primary concerns for CRM are Altman Z-Score, Debt/Equity.
Bear Case : FICO
The primary concerns for FICO are P/E Ratio.
Key Dynamics to Monitor
CRM profiles as a mature stock while FICO is a growth play — different risk/reward profiles.
FICO carries more volatility with a beta of 1.28 — expect wider price swings.
FICO is growing revenue faster at 38.7% — sustainability is the question.
CRM generates stronger free cash flow (6.6B), providing more financial flexibility.
Bottom Line
FICO scores higher overall (79/100 vs 71/100), backed by strong 33.7% margins and 38.7% revenue growth. CRM offers better value entry with a 74.7% margin of safety. 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 →Fair Isaac Corporation
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Fair Isaac Corporation develops data management, software and analytics products and services that enable companies to automate, improve and connect decisions in North America, Latin America, Europe, the Middle East, Africa and Asia Pacific. The company is headquartered in San Jose, California.
Visit Website →Compare with Other SOFTWARE - APPLICATION Stocks
Want to dig deeper into these stocks?