Salesforce, Inc. (CRM) vs The Mosaic Company (MOS): Which Is the Better Buy in 2026?
As of 2026-09-17, CRM is overvalued at $251, with a DCF intrinsic value of $158 and a margin of safety of -59%. MOS is undervalued at $25, with an intrinsic value of $108 and a margin of safety of 77%. Of the two, MOS has the wider margin of safety.
Rewards
- ★Gross margin of 77.3% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Free cash flow has grown at a 31.6% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $5.53 of earning power — management is an exceptional capital allocator.
Risks
- ⚠ROIC has declined by 19.3 percentage points over the past 4 years, which may signal competitive erosion.
- ⚠Gross margin of 11.2% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠The Mosaic Company scores only 15/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
Key Valuation Metrics
Learn more →Historical Fundamentals
Learn more →Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.
$1 Retained Earnings Test
Learn more →> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →Reverse DCF — Market-Implied Growth
Learn more →What growth rate is the market pricing in at $251?
The market implies +9.4% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +2.2%, reflecting heavy growth investment expected to generate future returns.
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →Narrow moat with revenue predictability as the key competitive advantage. Improving roic consistency would strengthen the moat.
No durable moat detected, though reinvestment efficiency shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
Forensic Accounting
Learn more →M-Score Trend
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →"Market is optimistic — be cautious and ensure you have a margin of safety"
"Market is pessimistic — investigate whether fears are temporary or structural"
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
Frequently Asked Questions: CRM vs MOS
Is Salesforce, Inc. or The Mosaic Company more undervalued in 2026?▼
Based on our discounted cash flow model, MOS trades at a 76.9% margin of safety (intrinsic value $108 vs. price $25), compared to CRM's -59.0% margin of safety (intrinsic $158 vs. $251).
Which stock has a wider economic moat, Salesforce, Inc. or The Mosaic Company?▼
CRM scores 58/100 (Narrow moat), while MOS scores 15/100 (None moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.
Is The Mosaic Company in financial distress?▼
MOS's Altman Z-Score of 1.9 places it in the Grey zone, signaling elevated bankruptcy risk. CRM scores 3.4 (Safe zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.
Which company has better free cash flow, Salesforce, Inc. or The Mosaic Company?▼
Salesforce, Inc. (CRM) generates a 8.6% free cash flow yield, compared to The Mosaic Company's -9.5%. A higher FCF yield means the business converts more of its market value into cash that can be returned to shareholders or reinvested.
Which stock has higher return on invested capital, Salesforce, Inc. or The Mosaic Company?▼
CRM earns 9.2% ROIC versus MOS's -0.1%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.
Which dividend is safer, Salesforce, Inc.'s or The Mosaic Company's?▼
CRM's dividend earns a safety score of 88/100 (Very Safe), compared to MOS's 63/100 (Safe). CRM has raised its dividend for 1 consecutive years.