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 2026-07-08.
Salesforce, Inc. · Technology
$169.52
+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 |
$169.52 |
$42.51 |
| Fair Value Estimate |
$245.80 |
$61.64 |
| Upside to Fair Value |
+45.0%
|
+45.0%
|
| Market Cap |
$138.8B |
$37.5B |
| Forward P/E |
19.6x
|
7.7x
|
| EV / EBITDA |
12.3x
|
5.3x
|
| Price / Sales |
3.2x
|
1.1x
|
| Price / FCF |
9.5x
|
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 |
10.56%
|
14.71%
|
| Analyst Consensus |
Buy
|
Sell
|
Investment Thesis
Salesforce, Inc. is a leading provider of cloud-based software applications primarily focused on customer relationship management (CRM). The company exhibits high business quality with a durable competitive moat supported by strong gross margins of 77.6%, solid operating margin of 21.9%, and a robust return on equity of 14.9%. Recent quarterly revenue growth of 13.3% and earnings growth of 36.7% …
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 |
$184.35 |
$46.23 |
| Zone High |
$208.93 |
$52.39 |
| In Buy Zone? |
Yes
|
Yes
|