WallStSmart

Salesforce.com Inc (CRM)vsNetSol Technologies Inc (NTWK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 60872% more annual revenue ($43.94B vs $72.06M). CRM leads profitability with a 22.0% profit margin vs 2.5%. NTWK appears more attractively valued with a PEG of 0.35. CRM earns a higher WallStSmart Score of 74/100 (B).

CRM

Strong Buy

74

out of 100

Grade: B

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

NTWK

Buy

57

out of 100

Grade: C

Growth: 4.0Profit: 6.0Value: 7.0Quality: 7.5
Piotroski: 5/9Altman Z: 2.27
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRMUndervalued (+65.7%)

Margin of Safety

+65.7%

Fair Value

$721.77

Current Price

$247.72

$474.05 discount

UndervaluedFair: $721.77Overvalued

Intrinsic value data unavailable for NTWK.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRM6 strengths · Avg: 9.0/10
Market CapQuality
$203.87B10/10

Mega-cap, among the largest globally

EPS GrowthGrowth
118.9%10/10

Earnings expanding 118.9% YoY

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
0.908/10

Growing faster than its price suggests

Operating MarginProfitability
21.4%8/10

Strong operational efficiency at 21.4%

NTWK3 strengths · Avg: 9.7/10
PEG RatioValuation
0.3510/10

Growing faster than its price suggests

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.259/10

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
1.093/10

Elevated debt levels

NTWK4 concerns · Avg: 3.0/10
P/E RatioValuation
27.2x4/10

Moderate valuation

Market CapQuality
$48.46M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
2.5%3/10

2.5% margin — thin

EPS GrowthGrowth
-8.3%2/10

Earnings declined 8.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : CRM

The strongest argument for CRM centers on Market Cap, EPS Growth, 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 : NTWK

The strongest argument for NTWK centers on PEG Ratio, Price/Book, Debt/Equity. Revenue growth of 13.0% demonstrates continued momentum. PEG of 0.35 suggests the stock is reasonably priced for its growth.

Bear Case : CRM

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

Bear Case : NTWK

The primary concerns for NTWK are P/E Ratio, Market Cap, Profit Margin. Thin 2.5% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

CRM carries more volatility with a beta of 1.20 — expect wider price swings.

NTWK is growing revenue faster at 13.0% — sustainability is the question.

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

Bottom Line

CRM scores higher overall (74/100 vs 57/100), backed by strong 22.0% margins and 10.8% 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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NetSol Technologies Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

NetSol Technologies, Inc. designs, develops, markets and exports software products to the global auto finance and leasing, banking and financial services industries. The company is headquartered in Calabasas, California.

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