Apple Inc. (AAPL)vsPaymentus Holdings, Inc. (PAY)
AAPL
Apple Inc.
$338.98
+0.23%
TECHNOLOGY · Cap: $4.85T
PAY
Paymentus Holdings, Inc.
$32.30
-6.38%
TECHNOLOGY · Cap: $4.34B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc. generates 34216% more annual revenue ($466.82B vs $1.36B). AAPL leads profitability with a 27.6% profit margin vs 6.2%. AAPL trades at a lower P/E of 37.5x. AAPL earns a higher WallStSmart Score of 67/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
PAY
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+42.9%
Fair Value
$42.98
Current Price
$32.30
$10.68 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 120 in profit
Strong operational efficiency at 32.6%
Generating 31.9B in free cash flow
Keeps 28 of every $100 in revenue as profit
16.4% revenue growth
Earnings expanding 81.8% YoY
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Revenue surging 28.8% year-over-year
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 46.1x book value
6.2% margin — thin
Premium valuation, high expectations priced in
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 : PAY
The strongest argument for PAY centers on EPS Growth, Debt/Equity, Altman Z-Score. Revenue growth of 28.8% demonstrates continued momentum.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : PAY
The primary concerns for PAY are Profit Margin, P/E Ratio. A P/E of 52.3x leaves little room for execution misses.
Key Dynamics to Monitor
PAY carries more volatility with a beta of 1.31 — expect wider price swings.
PAY is growing revenue faster at 28.8% — sustainability is the question.
AAPL generates stronger free cash flow (31.9B), providing more financial flexibility.
Monitor CONSUMER ELECTRONICS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AAPL scores higher overall (67/100 vs 54/100), backed by strong 27.6% margins and 16.4% revenue growth. PAY offers better value entry with a 42.9% 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 →Paymentus Holdings, Inc.
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Paymentus Holdings, Inc. provides electronic bill submission and payment services. The company is headquartered in Redmond, Washington with additional offices in the United States, Canada, and India.
Visit Website →Compare with Other CONSUMER ELECTRONICS Stocks
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