WallStSmart

Apple Inc. (AAPL)vsBlackbaud Inc (BLKB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc. generates 39515% more annual revenue ($451.44B vs $1.14B). AAPL leads profitability with a 27.2% profit margin vs 12.4%. BLKB appears more attractively valued with a PEG of 0.36. BLKB earns a higher WallStSmart Score of 68/100 (B-).

AAPL

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 10.0Value: 3.7Quality: 6.5
Piotroski: 7/9Altman Z: 2.42

BLKB

Strong Buy

68

out of 100

Grade: B-

Growth: 6.0Profit: 7.5Value: 10.0Quality: 3.5
Piotroski: 6/9Altman Z: 0.65
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AAPL.

BLKBUndervalued (+36.4%)

Margin of Safety

+36.4%

Fair Value

$79.25

Current Price

$42.18

$37.07 discount

UndervaluedFair: $79.25Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAPL6 strengths · Avg: 9.5/10
Market CapQuality
$4.79T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
115.1%10/10

Every $100 of equity generates 115 in profit

Operating MarginProfitability
32.3%10/10

Strong operational efficiency at 32.3%

Free Cash FlowQuality
$26.73B10/10

Generating 26.7B in free cash flow

Profit MarginProfitability
27.2%9/10

Keeps 27 of every $100 in revenue as profit

Revenue GrowthGrowth
16.6%8/10

16.6% revenue growth

BLKB4 strengths · Avg: 10.0/10
PEG RatioValuation
0.3610/10

Growing faster than its price suggests

P/E RatioValuation
11.0x10/10

Attractively priced relative to earnings

Return on EquityProfitability
41.9%10/10

Every $100 of equity generates 42 in profit

EPS GrowthGrowth
651.0%10/10

Earnings expanding 651.0% YoY

Areas to Watch

AAPL3 concerns · Avg: 2.7/10
P/E RatioValuation
39.7x4/10

Premium valuation, high expectations priced in

PEG RatioValuation
2.622/10

Expensive relative to growth rate

Price/BookValuation
46.6x2/10

Trading at 46.6x book value

BLKB4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
4.2%4/10

4.2% revenue growth

Market CapQuality
$1.49B3/10

Smaller company, higher risk/reward

Price/BookValuation
55.5x2/10

Trading at 55.5x book value

Altman Z-ScoreHealth
0.652/10

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 27.2% and operating margin at 32.3%. Revenue growth of 16.6% demonstrates continued momentum.

Bull Case : BLKB

The strongest argument for BLKB centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.36 suggests the stock is reasonably priced for its growth.

Bear Case : AAPL

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

Bear Case : BLKB

The primary concerns for BLKB are Revenue Growth, Market Cap, Price/Book. Debt-to-equity of 34.33 is elevated, increasing financial risk.

Key Dynamics to Monitor

AAPL profiles as a growth stock while BLKB is a value play — different risk/reward profiles.

AAPL carries more volatility with a beta of 1.10 — expect wider price swings.

AAPL is growing revenue faster at 16.6% — sustainability is the question.

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

Bottom Line

BLKB scores higher overall (68/100 vs 67/100). 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.

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Blackbaud Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Blackbaud, Inc. provides cloud software solutions to nonprofits, foundations, businesses, educational institutions, healthcare organizations, and other social concern entities in the United States and internationally. The company is headquartered in Charleston, South Carolina.

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