Apple Inc. (AAPL)vsDlocal Ltd (DLO)
AAPL
Apple Inc.
$332.27
+1.75%
TECHNOLOGY · Cap: $4.85T
DLO
Dlocal Ltd
$14.86
-0.40%
TECHNOLOGY · Cap: $4.40B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc. generates 34329% more annual revenue ($466.82B vs $1.36B). AAPL leads profitability with a 27.6% profit margin vs 15.0%. DLO trades at a lower P/E of 22.0x. AAPL earns a higher WallStSmart Score of 67/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
DLO
Buy65
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+81.5%
Fair Value
$69.14
Current Price
$14.86
$54.28 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 35 in profit
Revenue surging 55.8% year-over-year
Conservative balance sheet, low leverage
Earnings expanding 28.6% YoY
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 45.1x book value
No major concerns identified
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 : DLO
The strongest argument for DLO centers on Return on Equity, Revenue Growth, Debt/Equity. Revenue growth of 55.8% demonstrates continued momentum.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : DLO
No major red flags identified for DLO, but monitor valuation.
Key Dynamics to Monitor
AAPL carries more volatility with a beta of 1.08 — expect wider price swings.
DLO is growing revenue faster at 55.8% — sustainability is the question.
AAPL generates stronger free cash flow (31.9B), providing more financial flexibility.
Monitor CONSUMER ELECTRONICS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AAPL scores higher overall (67/100 vs 65/100), backed by strong 27.6% margins and 16.4% revenue growth. DLO offers better value entry with a 81.5% 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 →Dlocal Ltd
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
DLocal Limited operates a worldwide payments platform. The company is headquartered in Montevideo, Uruguay.
Visit Website →Compare with Other CONSUMER ELECTRONICS Stocks
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