WallStSmart

Apple Inc. (AAPL)vsBlackbaud Inc (BLKB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc. generates 40559% more annual revenue ($466.82B vs $1.15B). AAPL leads profitability with a 27.6% profit margin vs 13.1%. BLKB appears more attractively valued with a PEG of 0.51. BLKB earns a higher WallStSmart Score of 71/100 (B).

AAPL

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 10.0Value: 4.3Quality: 6.5
Piotroski: 7/9Altman Z: 2.42

BLKB

Strong Buy

71

out of 100

Grade: B

Growth: 6.0Profit: 7.5Value: 8.7Quality: 3.5
Piotroski: 6/9Altman Z: 0.65
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AAPL.

BLKBUndervalued (+37.3%)

Margin of Safety

+37.3%

Fair Value

$80.29

Current Price

$45.48

$34.81 discount

UndervaluedFair: $80.29Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAPL6 strengths · Avg: 9.5/10
Market CapQuality
$4.85T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
119.9%10/10

Every $100 of equity generates 120 in profit

Operating MarginProfitability
32.6%10/10

Strong operational efficiency at 32.6%

Free Cash FlowQuality
$31.91B10/10

Generating 31.9B in free cash flow

Profit MarginProfitability
27.6%9/10

Keeps 28 of every $100 in revenue as profit

Revenue GrowthGrowth
16.4%8/10

16.4% revenue growth

BLKB5 strengths · Avg: 8.4/10
Return on EquityProfitability
41.9%10/10

Every $100 of equity generates 42 in profit

PEG RatioValuation
0.518/10

Growing faster than its price suggests

P/E RatioValuation
14.7x8/10

Attractively priced relative to earnings

Operating MarginProfitability
21.7%8/10

Strong operational efficiency at 21.7%

EPS GrowthGrowth
43.6%8/10

Earnings expanding 43.6% YoY

Areas to Watch

AAPL3 concerns · Avg: 3.3/10
PEG RatioValuation
2.484/10

Expensive relative to growth rate

P/E RatioValuation
37.5x4/10

Premium valuation, high expectations priced in

Price/BookValuation
45.1x2/10

Trading at 45.1x book value

BLKB4 concerns · Avg: 2.3/10
Revenue GrowthGrowth
3.0%4/10

3.0% revenue growth

Price/BookValuation
30.3x2/10

Trading at 30.3x book value

Altman Z-ScoreHealth
0.652/10

Distress zone — elevated risk

Debt/EquityHealth
17.161/10

Elevated debt levels

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 27.6% and operating margin at 32.6%. Revenue growth of 16.4% demonstrates continued momentum.

Bull Case : BLKB

The strongest argument for BLKB centers on Return on Equity, PEG Ratio, P/E Ratio. PEG of 0.51 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 : BLKB

The primary concerns for BLKB are Revenue Growth, Price/Book, Altman Z-Score. Debt-to-equity of 17.16 is elevated, increasing financial risk.

Key Dynamics to Monitor

AAPL profiles as a growth stock while BLKB is a value play — different risk/reward profiles.

AAPL carries more volatility with a beta of 1.08 — expect wider price swings.

AAPL is growing revenue faster at 16.4% — sustainability is the question.

AAPL generates stronger free cash flow (31.9B), providing more financial flexibility.

Bottom Line

BLKB scores higher overall (71/100 vs 67/100). 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 →

Blackbaud Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Blackbaud, Inc. provides cloud software solutions to nonprofits, foundations, businesses, educational institutions, healthcare organizations, and other social concern entities in the United States and internationally. The company is headquartered in Charleston, South Carolina.

Want to dig deeper into these stocks?