Apple Inc (AAPL)vsClearwater Analytics Holdings Inc (CWAN)
AAPL
Apple Inc
$271.35
+0.44%
TECHNOLOGY · Cap: $3.98T
CWAN
Clearwater Analytics Holdings Inc
$24.13
-0.04%
TECHNOLOGY · Cap: $7.19B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc generates 59462% more annual revenue ($435.62B vs $731.37M). AAPL leads profitability with a 27.0% profit margin vs -5.3%. AAPL appears more attractively valued with a PEG of 2.43. AAPL earns a higher WallStSmart Score of 65/100 (C+).
AAPL
Buy65
out of 100
Grade: C+
CWAN
Hold42
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+2.3%
Fair Value
$24.15
Current Price
$24.13
$0.02 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
Revenue surging 72.0% year-over-year
Earnings expanding 202.8% YoY
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Elevated debt levels
Trading at 45.2x book value
Distress zone — elevated risk
Weak financial health signals
Expensive relative to growth rate
ROE of -2.6% — below average capital efficiency
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 : CWAN
The strongest argument for CWAN centers on Revenue Growth, EPS Growth. Revenue growth of 72.0% demonstrates continued momentum.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Debt/Equity.
Bear Case : CWAN
The primary concerns for CWAN are Altman Z-Score, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
AAPL profiles as a growth stock while CWAN is a hypergrowth play — different risk/reward profiles.
AAPL carries more volatility with a beta of 1.11 — expect wider price swings.
CWAN is growing revenue faster at 72.0% — 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 42/100), backed by strong 27.0% margins and 15.7% revenue growth. 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 →Clearwater Analytics Holdings Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Clearwater Analytics Holdings Inc. (CWAN) stands as a premier provider of cutting-edge cloud-based investment accounting and analytics solutions tailored for a diverse clientele that includes investment firms, insurance companies, and multinational corporations. Through its sophisticated platform, Clearwater enhances portfolio management and reporting, empowering clients to make informed strategic investment decisions while ensuring operational efficiency and regulatory compliance. As the financial technology sector evolves, the company is strategically positioned to leverage the increasing demand for comprehensive investment solutions, fostering sustained growth and continuous innovation in the financial services industry.
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