Apple Inc (AAPL)vsACI Worldwide Inc (ACIW)
AAPL
Apple Inc
$271.35
+0.44%
TECHNOLOGY · Cap: $3.98T
ACIW
ACI Worldwide Inc
$43.60
-0.77%
TECHNOLOGY · Cap: $4.42B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc generates 24654% more annual revenue ($435.62B vs $1.76B). AAPL leads profitability with a 27.0% profit margin vs 12.9%. ACIW appears more attractively valued with a PEG of 1.78. AAPL earns a higher WallStSmart Score of 65/100 (C+).
AAPL
Buy65
out of 100
Grade: C+
ACIW
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+53.0%
Fair Value
$85.77
Current Price
$43.60
$42.17 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
Strong operational efficiency at 23.1%
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Elevated debt levels
Trading at 45.2x book value
Expensive relative to growth rate
Earnings declined 33.3%
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 : ACIW
The strongest argument for ACIW centers on Price/Book, Operating Margin.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Debt/Equity.
Bear Case : ACIW
The primary concerns for ACIW are PEG Ratio, EPS Growth.
Key Dynamics to Monitor
AAPL profiles as a growth stock while ACIW is a value play — different risk/reward profiles.
AAPL carries more volatility with a beta of 1.11 — 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 59/100), backed by strong 27.0% margins and 15.7% revenue growth. ACIW offers better value entry with a 53.0% margin of safety. Both earn "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 →ACI Worldwide Inc
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
ACI Worldwide, Inc., a software company, develops, markets, installs and supports a variety of software products and solutions to facilitate electronic payments to banks, financial intermediaries, merchants and invoice issuers globally. The company is headquartered in Naples, Florida.
Visit Website →Compare with Other CONSUMER ELECTRONICS Stocks
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