WallStSmart

Salesforce.com Inc (CRM)vsYuanbao Inc. American Depositary Shares (YB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Salesforce.com Inc generates 850% more annual revenue ($41.52B vs $4.37B). YB leads profitability with a 29.9% profit margin vs 18.0%. YB trades at a lower P/E of 4.5x. YB earns a higher WallStSmart Score of 78/100 (B+).

CRM

Buy

63

out of 100

Grade: C+

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

YB

Strong Buy

78

out of 100

Grade: B+

Growth: 10.0Profit: 10.0Value: 8.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRMUndervalued (+34.2%)

Margin of Safety

+34.2%

Fair Value

$276.43

Current Price

$181.96

$94.47 discount

UndervaluedFair: $276.43Overvalued
YBUndervalued (+89.3%)

Margin of Safety

+89.3%

Fair Value

$186.26

Current Price

$17.26

$169.00 discount

UndervaluedFair: $186.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRM4 strengths · Avg: 8.5/10
Market CapQuality
$171.49B9/10

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

YB6 strengths · Avg: 9.5/10
P/E RatioValuation
4.5x10/10

Attractively priced relative to earnings

Return on EquityProfitability
50.9%10/10

Every $100 of equity generates 51 in profit

Operating MarginProfitability
33.6%10/10

Strong operational efficiency at 33.6%

Revenue GrowthGrowth
32.2%10/10

Revenue surging 32.2% year-over-year

Profit MarginProfitability
29.9%9/10

Keeps 30 of every $100 in revenue as profit

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

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

Grey zone — moderate risk

YB1 concerns · Avg: 3.0/10
Market CapQuality
$815.62M3/10

Smaller company, higher risk/reward

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 : YB

The strongest argument for YB centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 29.9% and operating margin at 33.6%. Revenue growth of 32.2% demonstrates continued momentum.

Bear Case : CRM

The primary concerns for CRM are Altman Z-Score.

Bear Case : YB

The primary concerns for YB are Market Cap.

Key Dynamics to Monitor

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

YB is growing revenue faster at 32.2% — sustainability is the question.

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

Bottom Line

YB scores higher overall (78/100 vs 63/100), backed by strong 29.9% margins and 32.2% revenue growth. CRM offers better value entry with a 34.2% 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.

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Yuanbao Inc. American Depositary Shares

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Yuanbao Inc., provides online insurance distribution and services in the People's Republic of China. The company is headquartered in Beijing, the People's Republic of China.

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