Apple Inc (AAPL)vsCorpay Inc (CPAY)
AAPL
Apple Inc
$293.32
+2.05%
TECHNOLOGY · Cap: $4.22T
CPAY
Corpay Inc
$343.99
+12.51%
TECHNOLOGY · Cap: $20.20B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc generates 9869% more annual revenue ($451.44B vs $4.53B). AAPL leads profitability with a 27.2% profit margin vs 23.6%. CPAY appears more attractively valued with a PEG of 0.84. CPAY earns a higher WallStSmart Score of 74/100 (B).
AAPL
Strong Buy67
out of 100
Grade: B-
CPAY
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+22.7%
Fair Value
$448.30
Current Price
$343.99
$104.31 discount
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
Strong operational efficiency at 57.1%
Every $100 of equity generates 29 in profit
Keeps 24 of every $100 in revenue as profit
Growing faster than its price suggests
Revenue surging 20.7% year-over-year
Areas to Watch
Premium valuation, high expectations priced in
Elevated debt levels
Expensive relative to growth rate
Trading at 48.9x book value
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 : CPAY
The strongest argument for CPAY centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 23.6% and operating margin at 57.1%. Revenue growth of 20.7% demonstrates continued momentum.
Bear Case : AAPL
The primary concerns for AAPL are P/E Ratio, Debt/Equity, PEG Ratio.
Bear Case : CPAY
The primary concerns for CPAY are Piotroski F-Score.
Key Dynamics to Monitor
AAPL carries more volatility with a beta of 1.06 — expect wider price swings.
CPAY is growing revenue faster at 20.7% — sustainability is the question.
AAPL generates stronger free cash flow (26.7B), providing more financial flexibility.
Monitor CONSUMER ELECTRONICS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CPAY scores higher overall (74/100 vs 67/100), backed by strong 23.6% margins and 20.7% 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 →Corpay Inc
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Corpay Inc is a leading provider of integrated payment solutions that streamline corporate payables and receivables across various industries. Leveraging advanced technology and data analytics, the company enables clients to optimize payment processes, enhance cash flow, and improve operational efficiencies. With a comprehensive range of financial services and a strong focus on customer service and regulatory compliance, Corpay is an essential partner for businesses navigating the complexities of global commerce. Its innovative approach to payment automation positions it as a significant player in the rapidly evolving financial technology sector, making it a compelling choice for institutional investors.
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