Apple Inc (AAPL)vs9F Inc (JFU)
AAPL
Apple Inc
$307.34
-1.52%
TECHNOLOGY · Cap: $4.63T
JFU
9F Inc
$2.82
-6.18%
TECHNOLOGY · Cap: $33.20M
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc generates 155634% more annual revenue ($451.44B vs $289.88M). JFU leads profitability with a 58.0% profit margin vs 27.2%. JFU trades at a lower P/E of 1.3x. AAPL earns a higher WallStSmart Score of 67/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
JFU
Hold50
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
-0.9%
Fair Value
$4.47
Current Price
$2.82
$1.65 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 115 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 58 of every $100 in revenue as profit
Earnings expanding 1648.0% YoY
Safe zone — low bankruptcy risk
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 42.3x book value
Smaller company, higher risk/reward
ROE of 6.6% — below average capital efficiency
Revenue declined 17.6%
Operating margin of -12.2%
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 27.2% and operating margin at 32.3%. Revenue growth of 16.6% demonstrates continued momentum.
Bull Case : JFU
The strongest argument for JFU centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 58.0% and operating margin at -12.2%.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : JFU
The primary concerns for JFU are Market Cap, Return on Equity, Revenue Growth.
Key Dynamics to Monitor
AAPL profiles as a growth stock while JFU is a declining play — different risk/reward profiles.
AAPL carries more volatility with a beta of 1.06 — 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 50/100), backed by strong 27.2% margins and 16.6% 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.
Visit Website →9F Inc
TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · China
9F Inc. operates a digital financial account platform that integrates and personalizes financial services in the People's Republic of China. The company is headquartered in Beijing, the People's Republic of China.
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