Apple Inc (AAPL)vsFiserv, Inc. Common Stock (FISV)
AAPL
Apple Inc
$293.32
+2.05%
TECHNOLOGY · Cap: $4.22T
FISV
Fiserv, Inc. Common Stock
$55.48
-2.34%
TECHNOLOGY · Cap: $30.01B
Smart Verdict
WallStSmart Research — data-driven comparison
AAPL leads profitability with a 27.2% profit margin vs 0.0%. FISV appears more attractively valued with a PEG of 0.91. AAPL earns a higher WallStSmart Score of 67/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
FISV
Hold46
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 142 in profit
Strong operational efficiency at 32.3%
Generating 26.7B in free cash flow
Keeps 27 of every $100 in revenue as profit
16.6% revenue growth
Attractively priced relative to earnings
Growing faster than its price suggests
Areas to Watch
Premium valuation, high expectations priced in
Elevated debt levels
Expensive relative to growth rate
Trading at 48.9x book value
0.0% revenue growth
0.0% earnings growth
ROE of 0.0% — below average capital efficiency
0.0% margin — thin
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 27.2% and operating margin at 32.3%. Revenue growth of 16.6% demonstrates continued momentum.
Bull Case : FISV
The strongest argument for FISV centers on P/E Ratio, PEG Ratio. PEG of 0.91 suggests the stock is reasonably priced for its growth.
Bear Case : AAPL
The primary concerns for AAPL are P/E Ratio, Debt/Equity, PEG Ratio.
Bear Case : FISV
The primary concerns for FISV are Revenue Growth, EPS Growth, Return on Equity.
Key Dynamics to Monitor
AAPL profiles as a growth stock while FISV is a value play — different risk/reward profiles.
AAPL is growing revenue faster at 16.6% — sustainability is the question.
Monitor CONSUMER ELECTRONICS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AAPL scores higher overall (67/100 vs 46/100), backed by strong 27.2% margins and 16.6% revenue growth. Both earn "Strong 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 →Fiserv, Inc. Common Stock
TECHNOLOGY · SOFTWARE · USA
Fiserv, Inc. is an American multinational company headquartered in Brookfield, Wisconsin that provides financial technology and financial services. The company's clients include banks, thrifts, credit unions, securities broker dealers, leasing and finance companies, and retailers.
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