WallStSmart

Salesforce.com Inc (CRM)vsTyler Technologies Inc (TYL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 1680% more annual revenue ($41.52B vs $2.33B). CRM leads profitability with a 18.0% profit margin vs 13.5%. CRM appears more attractively valued with a PEG of 1.06. CRM earns a higher WallStSmart Score of 63/100 (C+).

CRM

Buy

63

out of 100

Grade: C+

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

TYL

Hold

49

out of 100

Grade: D+

Growth: 7.3Profit: 6.0Value: 7.3Quality: 5.8
Piotroski: 4/9Altman Z: 2.40
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRMUndervalued (+34.0%)

Margin of Safety

+34.0%

Fair Value

$277.14

Current Price

$183.02

$94.12 discount

UndervaluedFair: $277.14Overvalued
TYLSignificantly Overvalued (-449.7%)

Margin of Safety

-449.7%

Fair Value

$61.72

Current Price

$338.27

$276.55 premium

UndervaluedFair: $61.72Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRM4 strengths · Avg: 8.5/10
Market CapQuality
$183.07B9/10

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

TYL1 strengths · Avg: 10.0/10
EPS GrowthGrowth
110.0%10/10

Earnings expanding 110.0% YoY

Areas to Watch

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

Grey zone — moderate risk

TYL2 concerns · Avg: 3.0/10
PEG RatioValuation
1.754/10

Expensive relative to growth rate

P/E RatioValuation
48.6x2/10

Premium valuation, high expectations priced in

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 : TYL

The strongest argument for TYL centers on EPS Growth.

Bear Case : CRM

The primary concerns for CRM are Altman Z-Score.

Bear Case : TYL

The primary concerns for TYL are PEG Ratio, P/E Ratio. A P/E of 48.6x leaves little room for execution misses.

Key Dynamics to Monitor

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

CRM carries more volatility with a beta of 1.31 — 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

CRM scores higher overall (63/100 vs 49/100), backed by strong 18.0% margins and 12.1% revenue growth. Both earn "Buy" and "Hold" 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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Tyler Technologies Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Tyler Technologies, Inc., based in Plano, Texas, is the largest provider of software to the United States public sector.

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