WallStSmart

Apple Inc (AAPL)vsDuolingo Inc (DUOL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc generates 40985% more annual revenue ($451.44B vs $1.10B). DUOL leads profitability with a 38.4% profit margin vs 27.2%. DUOL trades at a lower P/E of 13.0x. 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: 5.5
Piotroski: 7/9Altman Z: 2.42

DUOL

Buy

65

out of 100

Grade: C+

Growth: 8.7Profit: 8.5Value: 7.7Quality: 6.5
Piotroski: 3/9Altman Z: 1.20
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AAPL.

DUOLUndervalued (+56.4%)

Margin of Safety

+56.4%

Fair Value

$250.90

Current Price

$107.99

$142.91 discount

UndervaluedFair: $250.90Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAPL6 strengths · Avg: 9.5/10
Market CapQuality
$4.22T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
141.5%10/10

Every $100 of equity generates 142 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

DUOL6 strengths · Avg: 9.0/10
Return on EquityProfitability
37.0%10/10

Every $100 of equity generates 37 in profit

Profit MarginProfitability
38.4%10/10

Keeps 38 of every $100 in revenue as profit

Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

P/E RatioValuation
13.0x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
26.5%8/10

Revenue surging 26.5% year-over-year

EPS GrowthGrowth
23.6%8/10

Earnings expanding 23.6% YoY

Areas to Watch

AAPL4 concerns · Avg: 2.8/10
P/E RatioValuation
34.8x4/10

Premium valuation, high expectations priced in

Debt/EquityHealth
1.033/10

Elevated debt levels

PEG RatioValuation
2.522/10

Expensive relative to growth rate

Price/BookValuation
48.9x2/10

Trading at 48.9x book value

DUOL2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
1.202/10

Distress zone — elevated risk

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 : DUOL

The strongest argument for DUOL centers on Return on Equity, Profit Margin, Debt/Equity. Profitability is solid with margins at 38.4% and operating margin at 15.4%. Revenue growth of 26.5% demonstrates continued momentum.

Bear Case : AAPL

The primary concerns for AAPL are P/E Ratio, Debt/Equity, PEG Ratio.

Bear Case : DUOL

The primary concerns for DUOL are Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

AAPL carries more volatility with a beta of 1.06 — expect wider price swings.

DUOL is growing revenue faster at 26.5% — sustainability is the question.

AAPL generates stronger free cash flow (26.7B), 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 27.2% margins and 16.6% revenue growth. DUOL offers better value entry with a 56.4% 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.

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Duolingo Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Duolingo Inc (DUOL) is a prominent player in the education technology landscape, recognized for its innovative language-learning platform that has successfully engaged over 500 million users globally through a freemium model augmented by gamification strategies. Established in 2011, Duolingo distinguishes itself with a robust focus on AI-driven personalized learning solutions, fostering user acquisition and retention across more than 30 languages. With a mission to make education accessible and a strong user-centric design, Duolingo is well-positioned to capitalize on the growing demand for digital learning solutions, presenting a compelling opportunity for institutional investors looking to invest in the evolving edtech sector.

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