WallStSmart

Apple Inc (AAPL)vsAutomatic Data Processing Inc (ADP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc generates 1953% more annual revenue ($435.62B vs $21.21B). AAPL leads profitability with a 27.0% profit margin vs 20.0%. AAPL appears more attractively valued with a PEG of 2.43. AAPL earns a higher WallStSmart Score of 65/100 (C+).

AAPL

Buy

65

out of 100

Grade: C+

Growth: 6.7Profit: 10.0Value: 4.3Quality: 5.5
Piotroski: 7/9Altman Z: 2.42

ADP

Buy

64

out of 100

Grade: C+

Growth: 6.0Profit: 8.5Value: 4.0Quality: 5.8
Piotroski: 6/9Altman Z: 1.53
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AAPL.

ADPOvervalued (-11.0%)

Margin of Safety

-11.0%

Fair Value

$190.97

Current Price

$215.06

$24.09 premium

UndervaluedFair: $190.97Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAPL6 strengths · Avg: 9.5/10
Market CapQuality
$3.98T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
152.0%10/10

Every $100 of equity generates 152 in profit

Operating MarginProfitability
35.4%10/10

Strong operational efficiency at 35.4%

Free Cash FlowQuality
$51.55B10/10

Generating 51.6B in free cash flow

Profit MarginProfitability
27.0%9/10

Keeps 27 of every $100 in revenue as profit

Revenue GrowthGrowth
15.7%8/10

15.7% revenue growth

ADP5 strengths · Avg: 8.8/10
Return on EquityProfitability
73.8%10/10

Every $100 of equity generates 74 in profit

Market CapQuality
$84.90B9/10

Large-cap with strong market position

Profit MarginProfitability
20.0%9/10

Keeps 20 of every $100 in revenue as profit

Operating MarginProfitability
26.3%8/10

Strong operational efficiency at 26.3%

Free Cash FlowQuality
$1.11B8/10

Generating 1.1B in free cash flow

Areas to Watch

AAPL4 concerns · Avg: 3.3/10
PEG RatioValuation
2.434/10

Expensive relative to growth rate

P/E RatioValuation
34.4x4/10

Premium valuation, high expectations priced in

Debt/EquityHealth
1.033/10

Elevated debt levels

Price/BookValuation
45.2x2/10

Trading at 45.2x book value

ADP3 concerns · Avg: 3.3/10
Price/BookValuation
13.6x4/10

Trading at 13.6x book value

Altman Z-ScoreHealth
1.534/10

Distress zone — elevated risk

PEG RatioValuation
2.752/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : AAPL

The strongest argument for AAPL centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 27.0% and operating margin at 35.4%. Revenue growth of 15.7% demonstrates continued momentum.

Bull Case : ADP

The strongest argument for ADP centers on Return on Equity, Market Cap, Profit Margin. Profitability is solid with margins at 20.0% and operating margin at 26.3%.

Bear Case : AAPL

The primary concerns for AAPL are PEG Ratio, P/E Ratio, Debt/Equity.

Bear Case : ADP

The primary concerns for ADP are Price/Book, Altman Z-Score, PEG Ratio.

Key Dynamics to Monitor

AAPL profiles as a growth stock while ADP is a mature play — different risk/reward profiles.

AAPL carries more volatility with a beta of 1.11 — expect wider price swings.

AAPL is growing revenue faster at 15.7% — sustainability is the question.

AAPL generates stronger free cash flow (51.6B), providing more financial flexibility.

Bottom Line

AAPL scores higher overall (65/100 vs 64/100), backed by strong 27.0% margins and 15.7% revenue growth. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Apple Inc

TECHNOLOGY · CONSUMER ELECTRONICS · USA

Apple Inc. is an American multinational technology company that specializes in consumer electronics, computer software, and online services. Apple is the world's largest technology company by revenue (totalling $274.5 billion in 2020) and, since January 2021, the world's most valuable company. As of 2021, Apple is the world's fourth-largest PC vendor by unit sales, and fourth-largest smartphone manufacturer. It is one of the Big Five American information technology companies, along with Amazon, Google, Microsoft, and Facebook.

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Automatic Data Processing Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Automatic Data Processing, Inc. (ADP) is an American provider of human resources management software and services.

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