Apple Inc. (AAPL)vsBentley Systems Inc (BSY)
AAPL
Apple Inc.
$332.27
+1.75%
TECHNOLOGY · Cap: $4.85T
BSY
Bentley Systems Inc
$30.97
-0.10%
TECHNOLOGY · Cap: $9.92B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc. generates 29039% more annual revenue ($466.82B vs $1.60B). AAPL leads profitability with a 27.6% profit margin vs 18.1%. BSY appears more attractively valued with a PEG of 1.30. AAPL earns a higher WallStSmart Score of 67/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
BSY
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+22.4%
Fair Value
$43.71
Current Price
$30.97
$12.74 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
Every $100 of equity generates 23 in profit
Strong operational efficiency at 25.0%
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 45.1x book value
Premium valuation, high expectations priced in
Elevated debt levels
Distress zone — elevated risk
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 : BSY
The strongest argument for BSY centers on Return on Equity, Operating Margin. Profitability is solid with margins at 18.1% and operating margin at 25.0%. Revenue growth of 12.8% demonstrates continued momentum.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : BSY
The primary concerns for BSY are P/E Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
AAPL profiles as a growth stock while BSY is a mature 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
AAPL scores higher overall (67/100 vs 64/100), backed by strong 27.6% margins and 16.4% revenue growth. BSY offers better value entry with a 22.4% margin of safety. Both earn "Strong 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 →Bentley Systems Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Bentley Systems, Incorporated, provides infrastructure engineering software solutions in the Americas, Europe, the Middle East, Africa, and Asia-Pacific. The company is headquartered in Exton, Pennsylvania.
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