Apple Inc (AAPL)vsFair Isaac Corporation (FICO)
AAPL
Apple Inc
$270.17
+0.44%
TECHNOLOGY · Cap: $3.98T
FICO
Fair Isaac Corporation
$1,043.57
+3.27%
TECHNOLOGY · Cap: $24.76B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc generates 21017% more annual revenue ($435.62B vs $2.06B). FICO leads profitability with a 31.9% profit margin vs 27.0%. FICO appears more attractively valued with a PEG of 0.92. FICO earns a higher WallStSmart Score of 69/100 (B-).
AAPL
Buy65
out of 100
Grade: C+
FICO
Strong Buy69
out of 100
Grade: B-
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
Every $100 of equity generates 36 in profit
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 45.7%
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Elevated debt levels
Trading at 45.0x book value
Premium valuation, high expectations priced in
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 : FICO
The strongest argument for FICO centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 31.9% and operating margin at 45.7%. Revenue growth of 16.4% demonstrates continued momentum.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Debt/Equity.
Bear Case : FICO
The primary concerns for FICO are P/E Ratio.
Key Dynamics to Monitor
FICO carries more volatility with a beta of 1.38 — expect wider price swings.
FICO is growing revenue faster at 16.4% — sustainability is the question.
AAPL generates stronger free cash flow (51.6B), providing more financial flexibility.
Monitor CONSUMER ELECTRONICS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FICO scores higher overall (69/100 vs 65/100), backed by strong 31.9% margins and 16.4% revenue growth. 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 →Fair Isaac Corporation
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Fair Isaac Corporation develops data management, software and analytics products and services that enable companies to automate, improve and connect decisions in North America, Latin America, Europe, the Middle East, Africa and Asia Pacific. The company is headquartered in San Jose, California.
Visit Website →Compare with Other CONSUMER ELECTRONICS Stocks
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