Apple Inc. (AAPL)vsPaymentus Holdings, Inc. (PAY)
AAPL
Apple Inc.
$313.33
+0.29%
TECHNOLOGY · Cap: $4.52T
PAY
Paymentus Holdings, Inc.
$38.57
-3.86%
TECHNOLOGY · Cap: $4.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc. generates 36379% more annual revenue ($466.82B vs $1.28B). AAPL leads profitability with a 27.6% profit margin vs 5.8%. AAPL trades at a lower P/E of 34.8x. 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
+39.0%
Fair Value
$40.18
Current Price
$38.57
$1.61 discount
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
Revenue surging 30.2% year-over-year
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Earnings expanding 45.5% YoY
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 42.6x book value
Trading at 8.3x book value
5.8% 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 Revenue Growth, Debt/Equity, Altman Z-Score. Revenue growth of 30.2% 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 Price/Book, Profit Margin, P/E Ratio. A P/E of 59.8x leaves little room for execution misses.
Key Dynamics to Monitor
AAPL profiles as a growth stock while PAY is a hypergrowth play — different risk/reward profiles.
PAY carries more volatility with a beta of 1.30 — expect wider price swings.
PAY is growing revenue faster at 30.2% — 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 54/100), backed by strong 27.6% margins and 16.4% revenue growth. PAY offers better value entry with a 39.0% 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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