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 2026-05-05.
Salesforce, Inc. · Technology
$182.14
+200.4% upside to fair value
Grade B
High Quality
VS
PayPal Holdings, Inc. · Financial Services
$50.39
+110.0% upside to fair value
Grade B
QuantHub Verdict
CRM has more upside to fair value
(+200.4%).
PYPL trades at a lower forward P/E
(9.0x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
CRM |
PYPL |
| Current Price |
$182.14 |
$50.39 |
| Fair Value Estimate |
$547.17 |
$105.84 |
| Upside to Fair Value |
+200.4%
|
+110.0%
|
| Market Cap |
$173.0B |
$45.3B |
| Forward P/E |
22.8x
|
9.0x
|
| EV / EBITDA |
14.4x
|
6.1x
|
| Price / Sales |
4.2x
|
1.4x
|
| Price / FCF |
12.0x
|
8.2x
|
| Revenue Growth YoY |
+12.1%
|
+3.7%
|
| Gross Margin |
77.7%
|
46.6%
|
| Operating Margin |
21.5%
|
18.3%
|
| Return on Equity |
12.4%
|
25.9%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
8.33%
|
12.27%
|
| Analyst Consensus |
Buy
|
Sell
|
Investment Thesis
Salesforce, Inc. is a leading enterprise software company specializing in cloud-based customer relationship management and enterprise applications. The company benefits from a durable competitive moat anchored by pioneering SaaS delivery, a large and growing customer base, and a diversified revenue mix with Service Cloud as the largest segment generating $9.05 billion in FY2025. Salesforce exhibi…
PayPal Holdings, Inc. operates as a leading digital payments platform offering transaction processing and value-added financial services such as consumer credit and BNPL products. The business quality is medium due to a narrowing competitive moat amid increasing pressure from big tech competitors and slowing growth in its core branded checkout segment. The stock is currently mispriced and cheap, …
Accumulation Zones
| Metric |
CRM |
PYPL |
| Zone Low |
$410.38 |
$79.38 |
| Zone High |
$465.09 |
$89.96 |
| In Buy Zone? |
Yes
|
Yes
|