WallStSmart

Apple Inc (AAPL)vsMIND CTI Ltd (MNDO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc generates 2309539% more annual revenue ($451.44B vs $19.55M). AAPL leads profitability with a 27.2% profit margin vs 15.3%. MNDO appears more attractively valued with a PEG of 2.23. AAPL earns a higher WallStSmart Score of 67/100 (B-).

AAPL

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 10.0Value: 4.3Quality: 6.5
Piotroski: 7/9Altman Z: 2.42

MNDO

Buy

64

out of 100

Grade: C+

Growth: 5.3Profit: 7.0Value: 8.0Quality: 8.5
Piotroski: 2/9Altman Z: 3.13
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AAPL.

MNDOUndervalued (+37.6%)

Margin of Safety

+37.6%

Fair Value

$1.81

Current Price

$0.92

$0.89 discount

UndervaluedFair: $1.81Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAPL6 strengths · Avg: 9.5/10
Market CapQuality
$4.63T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
115.1%10/10

Every $100 of equity generates 115 in profit

Operating MarginProfitability
32.3%10/10

Strong operational efficiency at 32.3%

Free Cash FlowQuality
$26.73B10/10

Generating 26.7B in free cash flow

Profit MarginProfitability
27.2%9/10

Keeps 27 of every $100 in revenue as profit

Revenue GrowthGrowth
16.6%8/10

16.6% revenue growth

MNDO5 strengths · Avg: 10.0/10
P/E RatioValuation
6.1x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

EPS GrowthGrowth
100.0%10/10

Earnings expanding 100.0% YoY

Debt/EquityHealth
0.0410/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
3.1310/10

Safe zone — low bankruptcy risk

Areas to Watch

AAPL3 concerns · Avg: 3.3/10
PEG RatioValuation
2.464/10

Expensive relative to growth rate

P/E RatioValuation
38.2x4/10

Premium valuation, high expectations priced in

Price/BookValuation
42.3x2/10

Trading at 42.3x book value

MNDO4 concerns · Avg: 3.5/10
PEG RatioValuation
2.234/10

Expensive relative to growth rate

Revenue GrowthGrowth
1.8%4/10

1.8% revenue growth

Market CapQuality
$18.57M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

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 27.2% and operating margin at 32.3%. Revenue growth of 16.6% demonstrates continued momentum.

Bull Case : MNDO

The strongest argument for MNDO centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 15.3% and operating margin at 18.1%.

Bear Case : AAPL

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

Bear Case : MNDO

The primary concerns for MNDO are PEG Ratio, Revenue Growth, Market Cap.

Key Dynamics to Monitor

AAPL profiles as a growth stock while MNDO is a value 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 64/100), backed by strong 27.2% margins and 16.6% revenue growth. MNDO offers better value entry with a 37.6% margin of safety. 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 →

MIND CTI Ltd

TECHNOLOGY · SOFTWARE - APPLICATION · USA

MIND CTI Ltd. designs, develops, markets, supports, implements and operates offline and real-time customer support and converged billing software solutions in the Americas, Europe, Israel, Asia Pacific and Africa. The company is headquartered in Yokne'am Illit, Israel.

Want to dig deeper into these stocks?