WallStSmart

Salesforce.com Inc (CRM)vsRedCloud Holdings plc Ordinary Shares (RCT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 88136% more annual revenue ($42.83B vs $48.54M). CRM leads profitability with a 18.7% profit margin vs -95.3%. 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

RCT

Avoid

24

out of 100

Grade: F

Growth: 6.0Profit: 2.5Value: 5.0Quality: 4.5
Piotroski: 3/9Altman Z: -30.54
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRMUndervalued (+78.0%)

Margin of Safety

+78.0%

Fair Value

$720.27

Current Price

$158.37

$561.90 discount

UndervaluedFair: $720.27Overvalued

Intrinsic value data unavailable for RCT.

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
$129.71B9/10

Large-cap with strong market position

Return on EquityProfitability
23.4%9/10

Every $100 of equity generates 23 in profit

PEG RatioValuation
0.768/10

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

RCT1 strengths · Avg: 10.0/10
Debt/EquityHealth
-1.7110/10

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

RCT4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$36.86M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — 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 18.7% and operating margin at 21.8%. Revenue growth of 13.3% demonstrates continued momentum.

Bull Case : RCT

The strongest argument for RCT centers on Debt/Equity.

Bear Case : CRM

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

Bear Case : RCT

The primary concerns for RCT are Revenue Growth, EPS Growth, Market Cap.

Key Dynamics to Monitor

CRM profiles as a mature stock while RCT is a turnaround play — different risk/reward profiles.

CRM is growing revenue faster at 13.3% — sustainability is the question.

CRM generates stronger free cash flow (6.6B), providing more financial flexibility.

Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CRM scores higher overall (76/100 vs 24/100), backed by strong 18.7% margins and 13.3% 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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RedCloud Holdings plc Ordinary Shares

TECHNOLOGY · SOFTWARE - APPLICATION · USA

RedCloud Holdings plc is an innovative technology company transforming the payment and banking sectors with its advanced digital financial solutions. Committed to fostering financial inclusivity, RedCloud provides a comprehensive platform that enables seamless real-time transactions for both businesses and consumers. By leveraging cutting-edge technologies such as blockchain and artificial intelligence, the company delivers secure, scalable, and tailored services that cater to a variety of market demands. As a significant player in the expanding digital economy, RedCloud is strategically positioned to benefit from the increasing global appetite for efficient and innovative payment solutions, making it an attractive investment opportunity for institutional investors.

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