WallStSmart

Apple Inc (AAPL)vsFidelity National Information Services Inc (FIS)

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Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc generates 3846% more annual revenue ($451.44B vs $11.44B). AAPL leads profitability with a 27.2% profit margin vs 23.4%. FIS appears more attractively valued with a PEG of 0.22. FIS earns a higher WallStSmart Score of 87/100 (A).

AAPL

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 10.0Value: 4.3Quality: 6.5
Piotroski: 7/9Altman Z: 2.42

FIS

Exceptional Buy

87

out of 100

Grade: A

Growth: 8.0Profit: 7.5Value: 8.7Quality: 3.5
Piotroski: 4/9Altman Z: -0.22
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AAPL.

FISUndervalued (+8.2%)

Margin of Safety

+8.2%

Fair Value

$52.61

Current Price

$40.95

$11.66 discount

UndervaluedFair: $52.61Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAPL6 strengths · Avg: 9.5/10
Market CapQuality
$4.63T10/10

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

FIS6 strengths · Avg: 9.8/10
PEG RatioValuation
0.2210/10

Growing faster than its price suggests

P/E RatioValuation
7.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
30.1%10/10

Revenue surging 30.1% year-over-year

EPS GrowthGrowth
3041.0%10/10

Earnings expanding 3041.0% YoY

Profit MarginProfitability
23.4%9/10

Keeps 23 of every $100 in revenue as profit

Areas to Watch

AAPL3 concerns · Avg: 3.3/10
PEG RatioValuation
2.464/10

Expensive relative to growth rate

P/E RatioValuation
38.2x4/10

Premium valuation, high expectations priced in

Price/BookValuation
42.3x2/10

Trading at 42.3x book value

FIS2 concerns · Avg: 2.5/10
Debt/EquityHealth
1.323/10

Elevated debt levels

Altman Z-ScoreHealth
-0.222/10

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 : FIS

The strongest argument for FIS centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 23.4% and operating margin at 16.4%. Revenue growth of 30.1% demonstrates continued momentum.

Bear Case : AAPL

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

Bear Case : FIS

The primary concerns for FIS are Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

AAPL carries more volatility with a beta of 1.06 — expect wider price swings.

FIS is growing revenue faster at 30.1% — 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

FIS scores higher overall (87/100 vs 67/100), backed by strong 23.4% margins and 30.1% revenue growth. Both earn "Exceptional 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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Fidelity National Information Services Inc

TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA

FIS is an American Fortune 500 company which offers a wide range of financial products and services. Headquartered in Jacksonville, Florida, FIS employs approximately 63,000 people worldwide. FIS is most known for its development of Financial Technology, or FinTech, and as of Q2 2020 it offers its solutions in three primary segments: Merchant Solutions, Banking Solutions, and Capital Market Solutions.

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