CRM vs MA: Which Is the Better Buy?
Side-by-side comparison of Salesforce, Inc. and Mastercard Incorporated — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-04-16.
Salesforce, Inc. · Technology
$181.22
+161.6% upside to fair value
High Conviction
Grade A-
VS
Mastercard Incorporated · Financial Services
$498.66
+22.3% upside to fair value
High Conviction
Grade A-
QuantHub Verdict
CRM has more upside to fair value
(+161.6%).
CRM trades at a lower forward P/E
(22.7x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
CRM |
MA |
| Current Price |
$181.22 |
$498.66 |
| Fair Value Estimate |
$474.00 |
$610.00 |
| Upside to Fair Value |
+161.6%
|
+22.3%
|
| Market Cap |
$169.8B |
$445.0B |
| Forward P/E |
22.7x
|
25.5x
|
| EV / EBITDA |
—
|
22.4x
|
| Price / Sales |
4.1x
|
13.6x
|
| Price / FCF |
11.8x
|
26.0x
|
| Revenue Growth YoY |
+9.2%
|
+16.4%
|
| Gross Margin |
77.7%
|
83.4%
|
| Operating Margin |
21.5%
|
59.2%
|
| Return on Equity |
12.4%
|
198.4%
|
| Dividend Yield |
— |
0.65% |
| FCF Yield |
8.5%
|
3.84%
|
| Analyst Consensus |
Strong Buy
|
Strong Buy
|
Investment Thesis
Salesforce is the leading global provider of CRM software, offering a strong competitive moat through market dominance and high switching costs, complemented by acquisitions like Slack and Tableau, with excellent margins above 77% gross and robust free cash flow of $15.16 per share. Despite decelerating revenue growth at 9.2% YoY and negative earnings growth of -6.9%, the business remains high-qu…
Mastercard operates one of the world's two dominant payment networks, processing over $9 trillion in gross dollar volume annually across 220+ countries. The business generates 83% gross margins and 46% net margins with zero credit risk because Mastercard never lends money, only collecting tolls on every transaction. Value-Added Services (analytics, fraud prevention, cybersecurity) now comprise 41…
Accumulation Zones
| Metric |
CRM |
MA |
| Zone Low |
$356.00 |
$460.00 |
| Zone High |
$403.00 |
$515.00 |
| In Buy Zone? |
Yes
|
Yes
|