COMPARE · Data as of August 21, 2026
CRM vs PCTY
Verdict: Side-by-side breakdown using the Bull Rankings model. CRM scored 84.0, PCTY scored 81.9 — CRM leads.
Compare another set
CRM
Salesforce, Inc.
84
$209.17
fundamentals as of
Score gap
2.1
CRM leads
PCTY
Paylocity Holding Corporation
81.9
$153.34 · $8.5B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestCRM24.2x
- Fastest growthPCTY+12.2%
- Strongest balance sheetPCTY0.11
- Highest qualityPCTY92 / 100
- Largest discount to fair valuePCTY-3%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
CRM
PCTY
$14.7bA-
FCF
$497mC
+11.0%B
Rev
+12.2%B+
1.24C
D/E
0.11B+
24.2xB+
P/E
31.2xB
0.86B+
PEG
1.21B
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
CRM
PCTY
—
Price vs fair valuelower is cheaper
3% below
—
Growth the price implies10-yr FCF · lower = less priced in
~7%/yr
—
1-yr DCF upside
-7%
—
5-yr DCF upside
+3%
—
10-yr DCF upside
+20%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
CRM
No notable signals flagged.
PCTY
Why this score
- Buying back stock
- Durable high returns
The companies
CRMSalesforce, Inc.
Why now
Software - Application · market cap n/a. Down 22% from 52-week high of $269.11 — deep drawdown territory. Revenue growing +11%, comfortably above the S&P median. PEG 0.86 — paying under fair value for the growth rate. 52 sell-side analysts rate this a Buy with a mean 1-yr target of $243.08 (implying +16% upside).
Moat
Net margin 19% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 23% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 183% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
PCTYPaylocity Holding Corporation
Why now
Software - Application · market cap $8.5b. 16% off the 52-week high of $182.36. Revenue growing +12%, comfortably above the S&P median. 19 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $172.00 (implying +12% upside).
Moat
Net margin 16% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 22% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 184% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Trailing P/E 31x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. AI-native re-pricing — GPT-class models are compressing the cost of features that took years to build; the moat thesis depends on owning the workflow, not just the feature set.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.