Apple Inc (AAPL)vsCorpay Inc (CPAY)
AAPL
Apple Inc
$297.01
-0.41%
TECHNOLOGY · Cap: $4.35T
CPAY
Corpay Inc
$347.17
-2.72%
TECHNOLOGY · Cap: $23.28B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc generates 9337% more annual revenue ($451.44B vs $4.78B). AAPL leads profitability with a 27.2% profit margin vs 24.6%. CPAY appears more attractively valued with a PEG of 0.86. CPAY earns a higher WallStSmart Score of 80/100 (B+).
AAPL
Strong Buy67
out of 100
Grade: B-
CPAY
Strong Buy80
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+7.6%
Fair Value
$375.30
Current Price
$347.17
$28.13 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 115 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
Every $100 of equity generates 34 in profit
Strong operational efficiency at 41.4%
Keeps 25 of every $100 in revenue as profit
Growing faster than its price suggests
Revenue surging 25.4% year-over-year
Earnings expanding 49.1% YoY
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 40.9x book value
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
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 Return on Equity, Operating Margin, Profit Margin. Profitability is solid with margins at 24.6% and operating margin at 41.4%. Revenue growth of 25.4% demonstrates continued momentum.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : CPAY
The primary concerns for CPAY are Piotroski F-Score, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.95 is elevated, increasing financial risk.
Key Dynamics to Monitor
AAPL carries more volatility with a beta of 1.09 — expect wider price swings.
CPAY is growing revenue faster at 25.4% — 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 (80/100 vs 67/100), backed by strong 24.6% margins and 25.4% 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 for businesses across various sectors. Leveraging cutting-edge technology and data analytics, Corpay enhances cash flow and operational efficiency, allowing clients to focus on core business functions. Its comprehensive suite of financial services, underscored by a strong commitment to customer satisfaction and regulatory compliance, establishes Corpay as a crucial partner for organizations operating in the global marketplace. Positioned to take advantage of the rapidly evolving financial technology landscape, Corpay represents a compelling investment opportunity for institutional investors seeking growth in the fintech sector.
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