Salesforce.com Inc (CRM)vsUpbound Group Inc. (UPBD)
CRM
Salesforce.com Inc
$158.37
+5.45%
TECHNOLOGY · Cap: $129.71B
UPBD
Upbound Group Inc.
$19.84
+0.38%
TECHNOLOGY · Cap: $1.19B
Smart Verdict
WallStSmart Research — data-driven comparison
Salesforce.com Inc generates 804% more annual revenue ($42.83B vs $4.74B). CRM leads profitability with a 18.7% profit margin vs 1.8%. CRM appears more attractively valued with a PEG of 0.76. CRM earns a higher WallStSmart Score of 76/100 (B+).
CRM
Strong Buy76
out of 100
Grade: B+
UPBD
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+78.0%
Fair Value
$720.27
Current Price
$158.37
$561.90 discount
Margin of Safety
+35.5%
Fair Value
$30.71
Current Price
$19.84
$10.87 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 52.2% YoY
Large-cap with strong market position
Every $100 of equity generates 23 in profit
Growing faster than its price suggests
Strong operational efficiency at 21.8%
Generating 6.6B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 45.2% YoY
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
3.7% revenue growth
Smaller company, higher risk/reward
1.8% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull 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 : UPBD
The strongest argument for UPBD centers on P/E Ratio, Price/Book, EPS Growth. PEG of 1.39 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 : UPBD
The primary concerns for UPBD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 2.41 is elevated, increasing financial risk. Thin 1.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
CRM profiles as a mature stock while UPBD is a value play — different risk/reward profiles.
UPBD carries more volatility with a beta of 1.82 — expect wider price swings.
CRM is growing revenue faster at 13.3% — 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 63/100), backed by strong 18.7% margins and 13.3% revenue growth. UPBD offers better value entry with a 35.5% margin of safety. 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.
Visit Website →Upbound Group Inc.
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Upbound Group, Inc., an omni-channel platform company, leases household durable goods to customers on a lease-to-own basis in the United States, Puerto Rico, and Mexico. The company is headquartered in Plano, Texas.
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