WallStSmart

Salesforce.com Inc (CRM)vsAMTD Digital Inc. (HKD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 30411% more annual revenue ($41.52B vs $136.10M). HKD leads profitability with a 40.2% profit margin vs 18.0%. HKD trades at a lower P/E of 8.4x. HKD earns a higher WallStSmart Score of 73/100 (B).

CRM

Buy

63

out of 100

Grade: C+

Growth: 6.7Profit: 7.0Value: 10.0Quality: 6.0
Piotroski: 5/9Altman Z: 1.83

HKD

Strong Buy

73

out of 100

Grade: B

Growth: 5.3Profit: 9.0Value: 8.3Quality: 2.5
Piotroski: 1/9Altman Z: 1.04
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRMUndervalued (+34.2%)

Margin of Safety

+34.2%

Fair Value

$276.43

Current Price

$181.96

$94.47 discount

UndervaluedFair: $276.43Overvalued
HKDUndervalued (+82.2%)

Margin of Safety

+82.2%

Fair Value

$8.42

Current Price

$1.52

$6.90 discount

UndervaluedFair: $8.42Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRM4 strengths · Avg: 8.5/10
Market CapQuality
$171.49B9/10

Large-cap with strong market position

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.32B8/10

Generating 5.3B in free cash flow

HKD6 strengths · Avg: 9.5/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Profit MarginProfitability
40.2%10/10

Keeps 40 of every $100 in revenue as profit

Operating MarginProfitability
60.5%10/10

Strong operational efficiency at 60.5%

EPS GrowthGrowth
81.0%10/10

Earnings expanding 81.0% YoY

Return on EquityProfitability
25.4%9/10

Every $100 of equity generates 25 in profit

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

CRM1 concerns · Avg: 4.0/10
Altman Z-ScoreHealth
1.834/10

Grey zone — moderate risk

HKD4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
3.4%4/10

3.4% revenue growth

Market CapQuality
$477.70M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Altman Z-ScoreHealth
1.042/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : HKD

The strongest argument for HKD centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 40.2% and operating margin at 60.5%.

Bear Case : CRM

The primary concerns for CRM are Altman Z-Score.

Bear Case : HKD

The primary concerns for HKD are Revenue Growth, Market Cap, Piotroski F-Score. Debt-to-equity of 14.09 is elevated, increasing financial risk.

Key Dynamics to Monitor

CRM profiles as a mature stock while HKD is a value play — different risk/reward profiles.

HKD carries more volatility with a beta of 2.09 — expect wider price swings.

CRM is growing revenue faster at 12.1% — sustainability is the question.

CRM generates stronger free cash flow (5.3B), providing more financial flexibility.

Bottom Line

HKD scores higher overall (73/100 vs 63/100), backed by strong 40.2% margins. 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.

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AMTD Digital Inc.

TECHNOLOGY · SOFTWARE - APPLICATION · USA

AMTD Digital Inc. designs and develops a digital platform to provide financial, media, content and marketing, and investment solutions.

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