Apple Inc (AAPL)vsShift4 Payments Inc (FOUR)
AAPL
Apple Inc
$271.35
+0.44%
TECHNOLOGY · Cap: $3.98T
FOUR
Shift4 Payments Inc
$45.09
-2.47%
TECHNOLOGY · Cap: $4.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc generates 10321% more annual revenue ($435.62B vs $4.18B). AAPL leads profitability with a 27.0% profit margin vs 2.9%. FOUR appears more attractively valued with a PEG of 0.32. AAPL earns a higher WallStSmart Score of 65/100 (C+).
AAPL
Buy65
out of 100
Grade: C+
FOUR
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+65.6%
Fair Value
$170.55
Current Price
$45.09
$125.46 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 152 in profit
Strong operational efficiency at 35.4%
Generating 51.6B in free cash flow
Keeps 27 of every $100 in revenue as profit
15.7% revenue growth
Growing faster than its price suggests
Revenue surging 33.9% year-over-year
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Elevated debt levels
Trading at 45.2x book value
2.9% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Earnings declined 72.2%
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 27.0% and operating margin at 35.4%. Revenue growth of 15.7% demonstrates continued momentum.
Bull Case : FOUR
The strongest argument for FOUR centers on PEG Ratio, Revenue Growth. Revenue growth of 33.9% demonstrates continued momentum. PEG of 0.32 suggests the stock is reasonably priced for its growth.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Debt/Equity.
Bear Case : FOUR
The primary concerns for FOUR are Profit Margin, Piotroski F-Score, P/E Ratio. A P/E of 41.8x leaves little room for execution misses. Thin 2.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
AAPL profiles as a growth stock while FOUR is a hypergrowth play — different risk/reward profiles.
FOUR carries more volatility with a beta of 1.59 — expect wider price swings.
FOUR is growing revenue faster at 33.9% — sustainability is the question.
AAPL generates stronger free cash flow (51.6B), providing more financial flexibility.
Bottom Line
AAPL scores higher overall (65/100 vs 54/100), backed by strong 27.0% margins and 15.7% revenue growth. FOUR offers better value entry with a 65.6% margin of safety. Both earn "Buy" and "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 →Shift4 Payments Inc
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Shift4 Payments, Inc. provides integrated payment processing and technology solutions in the United States. The company is headquartered in Allentown, Pennsylvania.
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