WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc generates 71574% more annual revenue ($435.62B vs $607.78M). AAPL leads profitability with a 27.0% profit margin vs 5.4%. AAPL appears more attractively valued with a PEG of 2.43. AAPL earns a higher WallStSmart Score of 65/100 (C+).

AAPL

Buy

65

out of 100

Grade: C+

Growth: 6.7Profit: 10.0Value: 4.3Quality: 5.5
Piotroski: 7/9Altman Z: 2.42

IMXI

Buy

52

out of 100

Grade: C-

Growth: 2.0Profit: 6.5Value: 6.7Quality: 6.5
Piotroski: 4/9Altman Z: 2.39
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AAPL.

IMXIUndervalued (+83.4%)

Margin of Safety

+83.4%

Fair Value

$93.37

Current Price

$15.94

$77.43 discount

UndervaluedFair: $93.37Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAPL6 strengths · Avg: 9.5/10
Market CapQuality
$3.98T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
152.0%10/10

Every $100 of equity generates 152 in profit

Operating MarginProfitability
35.4%10/10

Strong operational efficiency at 35.4%

Free Cash FlowQuality
$26.73B10/10

Generating 26.7B in free cash flow

Profit MarginProfitability
27.0%9/10

Keeps 27 of every $100 in revenue as profit

Revenue GrowthGrowth
15.7%8/10

15.7% revenue growth

IMXI3 strengths · Avg: 8.3/10
Return on EquityProfitability
22.1%9/10

Every $100 of equity generates 22 in profit

P/E RatioValuation
14.8x8/10

Attractively priced relative to earnings

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Areas to Watch

AAPL4 concerns · Avg: 3.3/10
PEG RatioValuation
2.434/10

Expensive relative to growth rate

P/E RatioValuation
34.4x4/10

Premium valuation, high expectations priced in

Debt/EquityHealth
1.033/10

Elevated debt levels

Price/BookValuation
46.7x2/10

Trading at 46.7x book value

IMXI4 concerns · Avg: 2.8/10
Market CapQuality
$480.38M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
5.4%3/10

5.4% margin — thin

Debt/EquityHealth
1.213/10

Elevated debt levels

PEG RatioValuation
2.742/10

Expensive relative to growth rate

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 27.0% and operating margin at 35.4%. Revenue growth of 15.7% demonstrates continued momentum.

Bull Case : IMXI

The strongest argument for IMXI centers on Return on Equity, P/E Ratio, Price/Book.

Bear Case : AAPL

The primary concerns for AAPL are PEG Ratio, P/E Ratio, Debt/Equity.

Bear Case : IMXI

The primary concerns for IMXI are Market Cap, Profit Margin, Debt/Equity.

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 1.11 — expect wider price swings.

AAPL is growing revenue faster at 15.7% — sustainability is the question.

AAPL generates stronger free cash flow (26.7B), providing more financial flexibility.

Bottom Line

AAPL scores higher overall (65/100 vs 52/100), backed by strong 27.0% margins and 15.7% revenue growth. IMXI offers better value entry with a 83.4% 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.

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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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