WallStSmart

Apple Inc. (AAPL)vsAgora Inc (API)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc. generates 310099% more annual revenue ($451.44B vs $145.53M). AAPL leads profitability with a 27.2% profit margin vs 7.0%. AAPL trades at a lower P/E of 39.7x. AAPL earns a higher WallStSmart Score of 67/100 (B-).

AAPL

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 10.0Value: 3.7Quality: 6.5
Piotroski: 7/9Altman Z: 2.42

API

Hold

49

out of 100

Grade: D+

Growth: 6.0Profit: 3.0Value: 6.3Quality: 8.0
Piotroski: 4/9Altman Z: 1.79
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AAPL.

APIUndervalued (+62.3%)

Margin of Safety

+62.3%

Fair Value

$11.32

Current Price

$3.94

$7.38 discount

UndervaluedFair: $11.32Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAPL6 strengths · Avg: 9.5/10
Market CapQuality
$4.79T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
115.1%10/10

Every $100 of equity generates 115 in profit

Operating MarginProfitability
32.3%10/10

Strong operational efficiency at 32.3%

Free Cash FlowQuality
$26.73B10/10

Generating 26.7B in free cash flow

Profit MarginProfitability
27.2%9/10

Keeps 27 of every $100 in revenue as profit

Revenue GrowthGrowth
16.6%8/10

16.6% revenue growth

API3 strengths · Avg: 9.7/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

EPS GrowthGrowth
200.1%10/10

Earnings expanding 200.1% YoY

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

Areas to Watch

AAPL3 concerns · Avg: 2.7/10
P/E RatioValuation
39.7x4/10

Premium valuation, high expectations priced in

PEG RatioValuation
2.622/10

Expensive relative to growth rate

Price/BookValuation
46.6x2/10

Trading at 46.6x book value

API4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.794/10

Distress zone — elevated risk

Market CapQuality
$329.74M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.9%3/10

ROE of 1.9% — below average capital efficiency

Profit MarginProfitability
7.0%3/10

7.0% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull 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 : API

The strongest argument for API centers on Price/Book, EPS Growth, Debt/Equity. Revenue growth of 13.5% demonstrates continued momentum.

Bear Case : AAPL

The primary concerns for AAPL are P/E Ratio, PEG Ratio, Price/Book.

Bear Case : API

The primary concerns for API are Altman Z-Score, Market Cap, Return on Equity. A P/E of 43.3x leaves little room for execution misses.

Key Dynamics to Monitor

AAPL profiles as a growth stock while API is a value 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

AAPL scores higher overall (67/100 vs 49/100), backed by strong 27.2% margins and 16.6% revenue growth. API offers better value entry with a 62.3% margin of safety. Both earn "Strong 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.

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Agora Inc

TECHNOLOGY · SOFTWARE - APPLICATION · China

Agora, Inc. provides a Real-Time Interaction Platform as a Service (RTE-PaaS) in the People's Republic of China, the United States, and internationally. The company is headquartered in Shanghai, China.

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