Apple Inc (AAPL)vsRepay Holdings Corp (RPAY)
AAPL
Apple Inc
$271.35
+0.44%
TECHNOLOGY · Cap: $3.98T
RPAY
Repay Holdings Corp
$3.79
+0.53%
TECHNOLOGY · Cap: $355.07M
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc generates 140757% more annual revenue ($435.62B vs $309.26M). AAPL leads profitability with a 27.0% profit margin vs -83.0%. AAPL earns a higher WallStSmart Score of 65/100 (C+).
AAPL
Buy65
out of 100
Grade: C+
RPAY
Hold38
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+82.6%
Fair Value
$17.43
Current Price
$3.79
$13.64 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 152 in profit
Strong operational efficiency at 35.4%
Generating 51.6B in free cash flow
Keeps 27 of every $100 in revenue as profit
15.7% revenue growth
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Elevated debt levels
Trading at 45.2x book value
0.4% revenue growth
0.0% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
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 27.0% and operating margin at 35.4%. Revenue growth of 15.7% demonstrates continued momentum.
Bull Case : RPAY
The strongest argument for RPAY centers on Price/Book.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Debt/Equity.
Bear Case : RPAY
The primary concerns for RPAY are Revenue Growth, EPS Growth, Market Cap.
Key Dynamics to Monitor
AAPL profiles as a growth stock while RPAY is a turnaround play — different risk/reward profiles.
RPAY carries more volatility with a beta of 1.59 — expect wider price swings.
AAPL is growing revenue faster at 15.7% — sustainability is the question.
AAPL generates stronger free cash flow (51.6B), providing more financial flexibility.
Bottom Line
AAPL scores higher overall (65/100 vs 38/100), backed by strong 27.0% margins and 15.7% revenue growth. RPAY offers better value entry with a 82.6% margin of safety. Both earn "Buy" and "Hold" 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 →Repay Holdings Corp
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Repay Holdings Corporation provides integrated payment processing solutions to industry-oriented markets. The company is headquartered in Atlanta, Georgia.
Visit Website →Compare with Other CONSUMER ELECTRONICS Stocks
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