Apple Inc. (AAPL)vsPaychex Inc (PAYX)
AAPL
Apple Inc.
$340.08
-0.56%
TECHNOLOGY · Cap: $4.79T
PAYX
Paychex Inc
$122.13
+2.74%
TECHNOLOGY · Cap: $40.68B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc. generates 11277% more annual revenue ($451.44B vs $3.97B). AAPL leads profitability with a 27.2% profit margin vs 26.6%. PAYX appears more attractively valued with a PEG of 2.02. PAYX earns a higher WallStSmart Score of 69/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
PAYX
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
-49.7%
Fair Value
$63.35
Current Price
$122.13
$58.78 premium
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 32.3%
Generating 26.7B in free cash flow
Keeps 27 of every $100 in revenue as profit
16.6% revenue growth
Every $100 of equity generates 47 in profit
Strong operational efficiency at 38.3%
Keeps 27 of every $100 in revenue as profit
Earnings expanding 43.4% YoY
Areas to Watch
Premium valuation, high expectations priced in
Expensive relative to growth rate
Trading at 46.8x book value
Expensive relative to growth rate
Trading at 11.6x book value
Elevated debt levels
Distress zone — elevated risk
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 : PAYX
The strongest argument for PAYX centers on Return on Equity, Operating Margin, Profit Margin. Profitability is solid with margins at 26.6% and operating margin at 38.3%. Revenue growth of 12.5% demonstrates continued momentum.
Bear Case : AAPL
The primary concerns for AAPL are P/E Ratio, PEG Ratio, Price/Book.
Bear Case : PAYX
The primary concerns for PAYX are PEG Ratio, Price/Book, Debt/Equity.
Key Dynamics to Monitor
AAPL profiles as a growth stock while PAYX is a mature play — different risk/reward profiles.
AAPL carries more volatility with a beta of 1.10 — 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
PAYX scores higher overall (69/100 vs 67/100), backed by strong 26.6% margins and 12.5% 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 →Paychex Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Paychex, Inc. is an American provider of human resource, payroll, and benefits outsourcing services for small- to medium-sized businesses.
Visit Website →Compare with Other CONSUMER ELECTRONICS Stocks
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