WallStSmart

Salesforce.com Inc (CRM)vsmF International Limited Ordinary Shares (MFI)

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Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 142772% more annual revenue ($43.94B vs $30.75M). CRM leads profitability with a 22.0% profit margin vs 0.0%. MFI trades at a lower P/E of 4.0x. CRM earns a higher WallStSmart Score of 73/100 (B).

CRM

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 8.0Quality: 4.5
Piotroski: 5/9Altman Z: 1.50

MFI

Avoid

30

out of 100

Grade: F

Growth: 4.7Profit: 2.5Value: 6.7Quality: 8.5
Piotroski: 3/9Altman Z: 92.62
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRMUndervalued (+65.3%)

Margin of Safety

+65.3%

Fair Value

$713.65

Current Price

$230.90

$482.75 discount

UndervaluedFair: $713.65Overvalued

Intrinsic value data unavailable for MFI.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRM6 strengths · Avg: 8.8/10
EPS GrowthGrowth
118.9%10/10

Earnings expanding 118.9% YoY

Market CapQuality
$198.10B9/10

Large-cap with strong market position

Return on EquityProfitability
25.2%9/10

Every $100 of equity generates 25 in profit

Profit MarginProfitability
22.0%9/10

Keeps 22 of every $100 in revenue as profit

PEG RatioValuation
0.788/10

Growing faster than its price suggests

Operating MarginProfitability
21.4%8/10

Strong operational efficiency at 21.4%

MFI5 strengths · Avg: 9.6/10
P/E RatioValuation
4.0x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
117.9%10/10

Earnings expanding 117.9% YoY

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
92.6210/10

Safe zone — low bankruptcy risk

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

CRM2 concerns · Avg: 3.5/10
Altman Z-ScoreHealth
1.504/10

Distress zone — elevated risk

Debt/EquityHealth
1.093/10

Elevated debt levels

MFI4 concerns · Avg: 2.8/10
Market CapQuality
$421.48M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-109.4%2/10

ROE of -109.4% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : CRM

The strongest argument for CRM centers on EPS Growth, Market Cap, Return on Equity. Profitability is solid with margins at 22.0% and operating margin at 21.4%. Revenue growth of 10.8% demonstrates continued momentum.

Bull Case : MFI

The strongest argument for MFI centers on P/E Ratio, EPS Growth, Debt/Equity.

Bear Case : CRM

The primary concerns for CRM are Altman Z-Score, Debt/Equity.

Bear Case : MFI

The primary concerns for MFI are Market Cap, Profit Margin, Piotroski F-Score.

Key Dynamics to Monitor

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

MFI carries more volatility with a beta of 7.02 — expect wider price swings.

CRM is growing revenue faster at 10.8% — sustainability is the question.

CRM generates stronger free cash flow (1.1B), providing more financial flexibility.

Bottom Line

CRM scores higher overall (73/100 vs 30/100), backed by strong 22.0% margins and 10.8% revenue growth. Both earn "Strong Buy" and "Avoid" 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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mF International Limited Ordinary Shares

TECHNOLOGY · SOFTWARE - APPLICATION · USA

mF International Limited is a leading technology firm at the forefront of the fintech sector, specializing in innovative financial solutions that optimize digital transactions. Known for its state-of-the-art payment processing services and advanced analytics, the company caters to a wide array of clients, ranging from businesses to individual consumers. Positioned to capitalize on the expansive growth potential in digital financial services, mF International is dedicated to promoting financial inclusion and enhancing operational efficiencies. Backed by a seasoned management team and a strategic focus on growth, the firm is well-equipped to maintain its competitive advantage in the evolving global fintech landscape.

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