Apple Inc (AAPL)vsBanco Bilbao Viscaya Argentaria SA ADR (BBVA)
AAPL
Apple Inc
$293.32
+2.05%
TECHNOLOGY · Cap: $4.22T
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$22.28
+1.87%
FINANCIAL SERVICES · Cap: $123.68B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc generates 1284% more annual revenue ($451.44B vs $32.61B). BBVA leads profitability with a 33.1% profit margin vs 27.2%. BBVA appears more attractively valued with a PEG of 1.83. BBVA earns a higher WallStSmart Score of 71/100 (B).
AAPL
Strong Buy67
out of 100
Grade: B-
BBVA
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 142 in profit
Strong operational efficiency at 32.3%
Generating 26.7B in free cash flow
Keeps 27 of every $100 in revenue as profit
16.6% revenue growth
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 54.9%
Large-cap with strong market position
Reasonable price relative to book value
Areas to Watch
Premium valuation, high expectations priced in
Elevated debt levels
Expensive relative to growth rate
Trading at 48.9x book value
Expensive relative to growth rate
Elevated debt levels
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : AAPL
The strongest argument for AAPL centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 27.2% and operating margin at 32.3%. Revenue growth of 16.6% demonstrates continued momentum.
Bull Case : BBVA
The strongest argument for BBVA centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 54.9%. Revenue growth of 11.9% demonstrates continued momentum.
Bear Case : AAPL
The primary concerns for AAPL are P/E Ratio, Debt/Equity, PEG Ratio.
Bear Case : BBVA
The primary concerns for BBVA are PEG Ratio, Debt/Equity, Piotroski F-Score.
Key Dynamics to Monitor
AAPL profiles as a growth stock while BBVA is a mature play — different risk/reward profiles.
AAPL carries more volatility with a beta of 1.06 — expect wider price swings.
AAPL is growing revenue faster at 16.6% — sustainability is the question.
Monitor CONSUMER ELECTRONICS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BBVA scores higher overall (71/100 vs 67/100), backed by strong 33.1% margins and 11.9% revenue growth. Both earn "Strong Buy" and "Strong 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.
Visit Website →Banco Bilbao Viscaya Argentaria SA ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Banco Bilbao Vizcaya Argentaria, SA provides retail banking, wholesale banking, asset management and private banking services. The company is headquartered in Bilbao, Spain.
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