WallStSmart

Apple Inc (AAPL)vsOneSpan Inc (OSPN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc generates 179034% more annual revenue ($435.62B vs $243.18M). OSPN leads profitability with a 30.0% profit margin vs 27.0%. OSPN appears more attractively valued with a PEG of 0.79. OSPN earns a higher WallStSmart Score of 81/100 (A-).

AAPL

Buy

65

out of 100

Grade: C+

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

OSPN

Exceptional Buy

81

out of 100

Grade: A-

Growth: 6.0Profit: 9.0Value: 9.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AAPL.

OSPNUndervalued (+63.9%)

Margin of Safety

+63.9%

Fair Value

$30.37

Current Price

$11.58

$18.79 discount

UndervaluedFair: $30.37Overvalued

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
$51.55B10/10

Generating 51.6B 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

OSPN6 strengths · Avg: 9.3/10
P/E RatioValuation
6.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
30.1%10/10

Every $100 of equity generates 30 in profit

Profit MarginProfitability
30.0%10/10

Keeps 30 of every $100 in revenue as profit

EPS GrowthGrowth
57.4%10/10

Earnings expanding 57.4% YoY

PEG RatioValuation
0.798/10

Growing faster than its price suggests

Price/BookValuation
1.6x8/10

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
45.2x2/10

Trading at 45.2x book value

OSPN2 concerns · Avg: 3.5/10
Revenue GrowthGrowth
2.9%4/10

2.9% revenue growth

Market CapQuality
$424.10M3/10

Smaller company, higher risk/reward

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 : OSPN

The strongest argument for OSPN centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 30.0% and operating margin at 21.4%. PEG of 0.79 suggests the stock is reasonably priced for its growth.

Bear Case : AAPL

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

Bear Case : OSPN

The primary concerns for OSPN are Revenue Growth, Market Cap.

Key Dynamics to Monitor

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

OSPN carries more volatility with a beta of 1.51 — expect wider price swings.

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

AAPL generates stronger free cash flow (51.6B), providing more financial flexibility.

Bottom Line

OSPN scores higher overall (81/100 vs 65/100), backed by strong 30.0% margins. Both earn "Exceptional 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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OneSpan Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

OneSpan Inc. designs, develops and markets digital solutions for identity, security and business productivity globally. The company is headquartered in Chicago, Illinois.

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