WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc. generates 2027% more annual revenue ($466.82B vs $21.95B). AAPL leads profitability with a 27.6% profit margin vs 20.1%. AAPL appears more attractively valued with a PEG of 2.46. AAPL earns a higher WallStSmart Score of 67/100 (B-).

AAPL

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 10.0Value: 4.3Quality: 6.5
Piotroski: 7/9Altman Z: 2.42

ADP

Buy

64

out of 100

Grade: C+

Growth: 6.0Profit: 8.0Value: 4.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.53
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AAPL.

ADPSignificantly Overvalued (-66.6%)

Margin of Safety

-66.6%

Fair Value

$162.16

Current Price

$271.32

$109.16 premium

UndervaluedFair: $162.16Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAPL6 strengths · Avg: 9.5/10
Market CapQuality
$4.52T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
115.1%10/10

Every $100 of equity generates 115 in profit

Operating MarginProfitability
32.6%10/10

Strong operational efficiency at 32.6%

Free Cash FlowQuality
$26.73B10/10

Generating 26.7B in free cash flow

Profit MarginProfitability
27.6%9/10

Keeps 28 of every $100 in revenue as profit

Revenue GrowthGrowth
16.4%8/10

16.4% revenue growth

ADP5 strengths · Avg: 8.8/10
Return on EquityProfitability
68.4%10/10

Every $100 of equity generates 68 in profit

Market CapQuality
$107.44B9/10

Large-cap with strong market position

Profit MarginProfitability
20.1%9/10

Keeps 20 of every $100 in revenue as profit

Operating MarginProfitability
23.1%8/10

Strong operational efficiency at 23.1%

Free Cash FlowQuality
$2.04B8/10

Generating 2.0B in free cash flow

Areas to Watch

AAPL3 concerns · Avg: 3.3/10
PEG RatioValuation
2.464/10

Expensive relative to growth rate

P/E RatioValuation
34.8x4/10

Premium valuation, high expectations priced in

Price/BookValuation
42.6x2/10

Trading at 42.6x book value

ADP3 concerns · Avg: 4.0/10
PEG RatioValuation
2.494/10

Expensive relative to growth rate

Price/BookValuation
17.9x4/10

Trading at 17.9x book value

Altman Z-ScoreHealth
1.534/10

Distress zone — elevated risk

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 27.6% and operating margin at 32.6%. Revenue growth of 16.4% 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 20.1% and operating margin at 23.1%.

Bear Case : AAPL

The primary concerns for AAPL are PEG Ratio, P/E Ratio, Price/Book.

Bear Case : ADP

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

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 1.09 — expect wider price swings.

AAPL is growing revenue faster at 16.4% — sustainability is the question.

AAPL generates stronger free cash flow (26.7B), providing more financial flexibility.

Bottom Line

AAPL scores higher overall (67/100 vs 64/100), backed by strong 27.6% margins and 16.4% revenue growth. Both earn "Strong 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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