Apple Inc. (AAPL)vsJack Henry & Associates Inc (JKHY)
AAPL
Apple Inc.
$313.33
+0.29%
TECHNOLOGY · Cap: $4.52T
JKHY
Jack Henry & Associates Inc
$155.95
-0.63%
TECHNOLOGY · Cap: $10.94B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc. generates 18456% more annual revenue ($466.82B vs $2.52B). AAPL leads profitability with a 27.6% profit margin vs 20.6%. JKHY appears more attractively valued with a PEG of 2.08. AAPL earns a higher WallStSmart Score of 67/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
JKHY
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
-43.7%
Fair Value
$115.28
Current Price
$155.95
$40.67 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 32.6%
Generating 26.7B in free cash flow
Keeps 28 of every $100 in revenue as profit
16.4% revenue growth
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Every $100 of equity generates 24 in profit
Keeps 21 of every $100 in revenue as profit
Strong operational efficiency at 24.4%
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 42.6x book value
Expensive relative to growth rate
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 27.6% and operating margin at 32.6%. Revenue growth of 16.4% demonstrates continued momentum.
Bull Case : JKHY
The strongest argument for JKHY centers on Debt/Equity, Altman Z-Score, Return on Equity. Profitability is solid with margins at 20.6% and operating margin at 24.4%.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : JKHY
The primary concerns for JKHY are PEG Ratio.
Key Dynamics to Monitor
AAPL profiles as a growth stock while JKHY is a mature play — different risk/reward profiles.
AAPL carries more volatility with a beta of 1.09 — expect wider price swings.
AAPL is growing revenue faster at 16.4% — 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 63/100), backed by strong 27.6% margins and 16.4% revenue growth. Both earn "Strong 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 →Jack Henry & Associates Inc
TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA
Jack Henry & Associates, Inc. is a technology company and payment processing service for the financial services industry.
Visit Website →Compare with Other CONSUMER ELECTRONICS Stocks
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