if you are referring to the diagonal the lens factor is slightly different:
645: 56.00 x 41.50 | Diagonal: 69.70mm
P45: 49.10 x 36.80 | Diagonal: 61.36mm
P31: 44.20 x 33.10 | Diagonal: 55.22mm
645 - P45 = 1.14
645 - P31 = 1.27
I have never bothered with lens/crop factors - I just like to know the wide and narrow FOV (Field Of View) for a lens/sensor combination, and this (for each sensor dimension) is sensor size at the focal length, or:
2*arc-tan({half the sensor dimension}/{focal length})
This, hopefully is unambiguous and useful.
You can use the focal length and format size directly on the subject to asses the suitability of a lens:
For a 300mm lens and a 50mm sensor,,, if you hold you hand out in front of you and it is 600mm from you eye to your hand, and your fist is 100mm across, then your fist at arm's length is the FOV.