CRM vs PYPL: Which Is the Better Buy?
Side-by-side comparison of Salesforce, Inc. and PayPal Holdings, Inc. — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-06-20.
Salesforce, Inc. · Technology
$151.78
+45.0% upside to fair value
Grade A
High Quality
VS
PayPal Holdings, Inc. · Financial Services
$42.51
+45.0% upside to fair value
Grade B
QuantHub Verdict
PYPL trades at a lower forward P/E
(7.7x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
CRM |
PYPL |
| Current Price |
$151.78 |
$42.51 |
| Fair Value Estimate |
$220.08 |
$61.64 |
| Upside to Fair Value |
+45.0%
|
+45.0%
|
| Market Cap |
$124.3B |
$37.5B |
| Forward P/E |
17.5x
|
7.7x
|
| EV / EBITDA |
11.2x
|
5.3x
|
| Price / Sales |
2.9x
|
1.1x
|
| Price / FCF |
8.5x
|
6.8x
|
| Revenue Growth YoY |
+13.3%
|
+7.2%
|
| Gross Margin |
77.6%
|
46.1%
|
| Operating Margin |
21.9%
|
17.9%
|
| Return on Equity |
14.9%
|
25.1%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
11.79%
|
14.71%
|
| Analyst Consensus |
Buy
|
Sell
|
Investment Thesis
Salesforce, Inc. is a leading enterprise software company specializing in customer relationship management (CRM) and cloud-based applications. The company benefits from a durable competitive moat driven by a dominant global CRM market share in the mid-20% range, stable to slightly widening over the past decade. Under founder-CEO Marc Benioff's leadership, Salesforce has grown to $41.5 billion in …
PayPal Holdings, Inc. operates as a leading global digital payments platform with a competitive moat driven by its extensive network effects, brand recognition, and scale. Despite a durable business model with 2025 revenue of $33.17 billion growing at 4.3% year-over-year and a strong return on equity of 25.1%, the company faces slowing growth and margin pressures, reflected in a 13.5% decline in …
Accumulation Zones
| Metric |
CRM |
PYPL |
| Zone Low |
$165.06 |
$46.23 |
| Zone High |
$187.07 |
$52.39 |
| In Buy Zone? |
Yes
|
Yes
|