WallStSmart

Apple Inc. (AAPL)vsCommerce.com, Inc. (CMRC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc. generates 134470% more annual revenue ($466.82B vs $346.90M). AAPL leads profitability with a 27.6% profit margin vs -1.7%. 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

CMRC

Avoid

32

out of 100

Grade: F

Growth: 4.7Profit: 3.0Value: 6.7Quality: 4.5
Piotroski: 5/9Altman Z: -1.38
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AAPL.

CMRCUndervalued (+88.5%)

Margin of Safety

+88.5%

Fair Value

$23.75

Current Price

$3.50

$20.25 discount

UndervaluedFair: $23.75Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAPL6 strengths · Avg: 9.5/10
Market CapQuality
$4.85T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
119.9%10/10

Every $100 of equity generates 120 in profit

Operating MarginProfitability
32.6%10/10

Strong operational efficiency at 32.6%

Free Cash FlowQuality
$31.91B10/10

Generating 31.9B 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

CMRC0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

AAPL3 concerns · Avg: 3.3/10
PEG RatioValuation
2.484/10

Expensive relative to growth rate

P/E RatioValuation
37.5x4/10

Premium valuation, high expectations priced in

Price/BookValuation
45.1x2/10

Trading at 45.1x book value

CMRC4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.1%4/10

0.1% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$199.69M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
3.2%3/10

Operating margin of 3.2%

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 : CMRC

CMRC has a balanced fundamental profile.

Bear Case : AAPL

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

Bear Case : CMRC

The primary concerns for CMRC are Revenue Growth, EPS Growth, Market Cap. Debt-to-equity of 3.19 is elevated, increasing financial risk.

Key Dynamics to Monitor

AAPL profiles as a growth stock while CMRC is a turnaround play — different risk/reward profiles.

CMRC carries more volatility with a beta of 1.15 — expect wider price swings.

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

AAPL generates stronger free cash flow (31.9B), providing more financial flexibility.

Bottom Line

AAPL scores higher overall (67/100 vs 32/100), backed by strong 27.6% margins and 16.4% revenue growth. CMRC offers better value entry with a 88.5% margin of safety. Both earn "Strong Buy" and "Avoid" 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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Commerce.com, Inc.

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Commerce.com, Inc. operates a software-as-a-service e-commerce platform for brands and retailers in the United States, North and South America, Europe, the Middle East, Africa, and the Asia Pacific. The company is headquartered in Austin, Texas.

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