WallStSmart

Apple Inc. (AAPL)vsInternational Money Express Inc (IMXI)

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Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc. generates 83945% more annual revenue ($466.82B vs $555.45M). AAPL leads profitability with a 27.6% profit margin vs 3.4%. IMXI appears more attractively valued with a PEG of 2.28. AAPL earns a higher WallStSmart Score of 67/100 (B-).

AAPL

Strong Buy

67

out of 100

Grade: B-

Growth: 7.3Profit: 10.0Value: 3.7Quality: 6.5
Piotroski: 7/9Altman Z: 2.77

IMXI

Hold

45

out of 100

Grade: D+

Growth: 2.7Profit: 5.5Value: 5.7Quality: 6.5
Piotroski: 3/9Altman Z: 3.10

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAPL6 strengths · Avg: 9.5/10
Market CapQuality
$5.03T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
117.9%10/10

Every $100 of equity generates 118 in profit

Operating MarginProfitability
32.6%10/10

Strong operational efficiency at 32.6%

Free Cash FlowQuality
$25.86B10/10

Generating 25.9B in free cash flow

Profit MarginProfitability
27.6%9/10

Keeps 28 of every $100 in revenue as profit

Revenue GrowthGrowth
16.4%8/10

16.4% revenue growth

IMXI3 strengths · Avg: 9.3/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.1010/10

Safe zone — low bankruptcy risk

P/E RatioValuation
13.6x8/10

Attractively priced relative to earnings

Areas to Watch

AAPL3 concerns · Avg: 2.7/10
P/E RatioValuation
39.5x4/10

Premium valuation, high expectations priced in

PEG RatioValuation
2.762/10

Expensive relative to growth rate

Price/BookValuation
48.3x2/10

Trading at 48.3x book value

IMXI4 concerns · Avg: 3.3/10
PEG RatioValuation
2.284/10

Expensive relative to growth rate

Market CapQuality
$251.06M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
3.4%3/10

3.4% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 27.6% and operating margin at 32.6%. Revenue growth of 16.4% demonstrates continued momentum.

Bull Case : IMXI

The strongest argument for IMXI centers on Price/Book, Altman Z-Score, P/E Ratio.

Bear Case : AAPL

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

Bear Case : IMXI

The primary concerns for IMXI are PEG Ratio, Market Cap, Profit Margin. Thin 3.4% margins leave little buffer for downturns.

Key Dynamics to Monitor

AAPL profiles as a growth stock while IMXI is a value play — different risk/reward profiles.

AAPL carries more volatility with a beta of 1.07 — expect wider price swings.

AAPL is growing revenue faster at 16.4% — sustainability is the question.

AAPL generates stronger free cash flow (25.9B), providing more financial flexibility.

Bottom Line

AAPL scores higher overall (67/100 vs 45/100), backed by strong 27.6% margins and 16.4% revenue growth. Both earn "Strong Buy" and "Hold" 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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International Money Express Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

International Money Express, Inc., through its subsidiary, is a money transfer service company in the United States, Latin America, Mexico, Africa, Central America, South America, and the Caribbean. The company is headquartered in Miami, Florida.

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