Apple Inc (AAPL)vsEPAM Systems Inc (EPAM)
AAPL
Apple Inc
$293.32
+2.05%
TECHNOLOGY · Cap: $4.22T
EPAM
EPAM Systems Inc
$99.23
-4.81%
TECHNOLOGY · Cap: $5.50B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc generates 8173% more annual revenue ($451.44B vs $5.46B). AAPL leads profitability with a 27.2% profit margin vs 6.9%. EPAM appears more attractively valued with a PEG of 0.66. AAPL earns a higher WallStSmart Score of 67/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
EPAM
Strong Buy66
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+57.1%
Fair Value
$414.58
Current Price
$99.23
$315.35 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
Reasonable price relative to book value
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Premium valuation, high expectations priced in
Elevated debt levels
Expensive relative to growth rate
Trading at 48.9x book value
6.9% margin — thin
Weak financial health signals
Negative free cash flow — burning cash
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 : EPAM
The strongest argument for EPAM centers on Price/Book, Debt/Equity, Altman Z-Score. Revenue growth of 12.8% demonstrates continued momentum. PEG of 0.66 suggests the stock is reasonably priced for its growth.
Bear Case : AAPL
The primary concerns for AAPL are P/E Ratio, Debt/Equity, PEG Ratio.
Bear Case : EPAM
The primary concerns for EPAM are Profit Margin, Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
AAPL profiles as a growth stock while EPAM is a value play — different risk/reward profiles.
EPAM carries more volatility with a beta of 1.45 — 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
AAPL scores higher overall (67/100 vs 66/100), backed by strong 27.2% margins and 16.6% revenue growth. EPAM offers better value entry with a 57.1% margin of safety. 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 →EPAM Systems Inc
TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA
EPAM Systems, Inc. provides digital platform engineering and software development services in North America, Europe, Russia, Belarus, Kazakhstan, Ukraine, Georgia, East Asia, Southeast Asia, and Australia. The company is headquartered in Newtown, Pennsylvania.
Visit Website →Compare with Other CONSUMER ELECTRONICS Stocks
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