Salesforce.com Inc (CRM)vsFair Isaac Corporation (FICO)
CRM
Salesforce.com Inc
$181.96
-0.58%
TECHNOLOGY · Cap: $171.49B
FICO
Fair Isaac Corporation
$1,043.10
+4.83%
TECHNOLOGY · Cap: $23.60B
Smart Verdict
WallStSmart Research — data-driven comparison
Salesforce.com Inc generates 1913% more annual revenue ($41.52B vs $2.06B). FICO leads profitability with a 31.9% profit margin vs 18.0%. FICO appears more attractively valued with a PEG of 0.95. FICO earns a higher WallStSmart Score of 69/100 (B-).
CRM
Buy63
out of 100
Grade: C+
FICO
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+34.2%
Fair Value
$276.43
Current Price
$181.96
$94.47 discount
Margin of Safety
-164.0%
Fair Value
$516.43
Current Price
$1043.10
$526.67 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Generating 5.3B in free cash flow
Every $100 of equity generates 36 in profit
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 45.7%
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Areas to Watch
Grey zone — moderate risk
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull 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 : FICO
The strongest argument for FICO centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 31.9% and operating margin at 45.7%. Revenue growth of 16.4% demonstrates continued momentum.
Bear Case : CRM
The primary concerns for CRM are Altman Z-Score.
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.
CRM carries more volatility with a beta of 1.31 — expect wider price swings.
FICO is growing revenue faster at 16.4% — sustainability is the question.
CRM generates stronger free cash flow (5.3B), providing more financial flexibility.
Bottom Line
FICO scores higher overall (69/100 vs 63/100), backed by strong 31.9% margins and 16.4% revenue growth. CRM offers better value entry with a 34.2% margin of safety. Both earn "Strong Buy" and "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
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