Apple Inc (AAPL)vsPayPay Corporation American Depository Shares (PAYP)
AAPL
Apple Inc
$276.83
-1.18%
TECHNOLOGY · Cap: $4.07T
PAYP
PayPay Corporation American Depository Shares
$21.18
-3.16%
TECHNOLOGY · Cap: $14.80B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc generates 27% more annual revenue ($451.44B vs $355.53B). PAYP leads profitability with a 31.3% profit margin vs 27.2%. PAYP appears more attractively valued with a PEG of 0.78. PAYP earns a higher WallStSmart Score of 68/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
PAYP
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 142 in profit
Strong operational efficiency at 32.3%
Generating 26.7B in free cash flow
Keeps 27 of every $100 in revenue as profit
16.6% revenue growth
Keeps 31 of every $100 in revenue as profit
Generating 332.1B in free cash flow
Growing faster than its price suggests
Strong operational efficiency at 24.8%
Revenue surging 23.9% year-over-year
Earnings expanding 27.3% YoY
Areas to Watch
Premium valuation, high expectations priced in
Elevated debt levels
Expensive relative to growth rate
Trading at 46.1x book value
ROE of 0.0% — below average capital efficiency
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 27.2% and operating margin at 32.3%. Revenue growth of 16.6% demonstrates continued momentum.
Bull Case : PAYP
The strongest argument for PAYP centers on Profit Margin, Free Cash Flow, PEG Ratio. Profitability is solid with margins at 31.3% and operating margin at 24.8%. Revenue growth of 23.9% demonstrates continued momentum.
Bear Case : AAPL
The primary concerns for AAPL are P/E Ratio, Debt/Equity, PEG Ratio.
Bear Case : PAYP
The primary concerns for PAYP are Return on Equity.
Key Dynamics to Monitor
PAYP is growing revenue faster at 23.9% — sustainability is the question.
PAYP generates stronger free cash flow (332.1B), providing more financial flexibility.
Monitor CONSUMER ELECTRONICS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PAYP scores higher overall (68/100 vs 67/100), backed by strong 31.3% margins and 23.9% revenue growth. Both earn "Strong Buy" and "Strong 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 →PayPay Corporation American Depository Shares
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
PayPay Corporation, a financial technology company, provides a digital finance platform with services that inlclude easy-to-use payments and other financial services in Japan. The company is headquartered in Shinjuku, Japan.
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