WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 126526% more annual revenue ($42.83B vs $33.82M). MFI leads profitability with a 232.8% profit margin vs 18.7%. MFI trades at a lower P/E of 4.8x. CRM earns a higher WallStSmart Score of 76/100 (B+).

CRM

Strong Buy

76

out of 100

Grade: B+

Growth: 7.3Profit: 7.5Value: 8.0Quality: 4.5
Piotroski: 5/9Altman Z: 1.50

MFI

Buy

51

out of 100

Grade: C-

Growth: 7.3Profit: 4.5Value: 6.7Quality: 8.5
Piotroski: 3/9Altman Z: 92.62
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRMUndervalued (+73.6%)

Margin of Safety

+73.6%

Fair Value

$713.24

Current Price

$180.71

$532.53 discount

UndervaluedFair: $713.24Overvalued

Intrinsic value data unavailable for MFI.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRM6 strengths · Avg: 8.7/10
EPS GrowthGrowth
52.2%10/10

Earnings expanding 52.2% YoY

Market CapQuality
$139.28B9/10

Large-cap with strong market position

Return on EquityProfitability
23.4%9/10

Every $100 of equity generates 23 in profit

PEG RatioValuation
0.718/10

Growing faster than its price suggests

Operating MarginProfitability
21.8%8/10

Strong operational efficiency at 21.8%

Free Cash FlowQuality
$6.56B8/10

Generating 6.6B in free cash flow

MFI6 strengths · Avg: 10.0/10
P/E RatioValuation
4.8x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
232.8%10/10

Keeps 233 of every $100 in revenue as profit

Revenue GrowthGrowth
37.8%10/10

Revenue surging 37.8% year-over-year

EPS GrowthGrowth
117.9%10/10

Earnings expanding 117.9% YoY

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

Areas to Watch

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

Distress zone — elevated risk

Debt/EquityHealth
1.223/10

Elevated debt levels

MFI4 concerns · Avg: 2.8/10
Market CapQuality
$416.46M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.4%3/10

ROE of 1.4% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-13.33M2/10

Negative free cash flow — burning cash

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 18.7% and operating margin at 21.8%. Revenue growth of 13.3% demonstrates continued momentum.

Bull Case : MFI

The strongest argument for MFI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 232.8% and operating margin at -108.1%. Revenue growth of 37.8% demonstrates continued momentum.

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, Return on Equity, Piotroski F-Score.

Key Dynamics to Monitor

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

MFI carries more volatility with a beta of 6.95 — expect wider price swings.

MFI is growing revenue faster at 37.8% — 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 51/100), backed by strong 18.7% margins and 13.3% revenue growth. 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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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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