Apple Inc. (AAPL)vsPagaya Technologies Ltd. (PGY)
AAPL
Apple Inc.
$332.27
+0.24%
TECHNOLOGY · Cap: $4.85T
PGY
Pagaya Technologies Ltd.
$19.97
-1.63%
TECHNOLOGY · Cap: $1.80B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc. generates 33485% more annual revenue ($466.82B vs $1.39B). AAPL leads profitability with a 27.6% profit margin vs 9.1%. PGY appears more attractively valued with a PEG of 0.04. PGY earns a higher WallStSmart Score of 68/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
PGY
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+3.3%
Fair Value
$13.31
Current Price
$19.97
$6.66 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
Growing faster than its price suggests
Earnings expanding 143.3% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 27.3%
18.6% revenue growth
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 45.1x book value
Distress zone — elevated risk
Smaller company, higher risk/reward
Elevated debt levels
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 : PGY
The strongest argument for PGY centers on PEG Ratio, EPS Growth, P/E Ratio. Revenue growth of 18.6% demonstrates continued momentum. PEG of 0.04 suggests the stock is reasonably priced for its growth.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : PGY
The primary concerns for PGY are Altman Z-Score, Market Cap, Debt/Equity. Debt-to-equity of 1.53 is elevated, increasing financial risk.
Key Dynamics to Monitor
PGY carries more volatility with a beta of 5.37 — expect wider price swings.
PGY is growing revenue faster at 18.6% — 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
PGY scores higher overall (68/100 vs 67/100) and 18.6% 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 →Pagaya Technologies Ltd.
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Pagaya Technologies Ltd. is a financial technology company in Israel, the United States and the Cayman Islands. The company is headquartered in Tel Aviv, Israel.
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