Apple Inc (AAPL)vsShift4 Payments Inc (FOUR)
AAPL
Apple Inc
$307.34
-1.52%
TECHNOLOGY · Cap: $4.63T
FOUR
Shift4 Payments Inc
$38.08
-3.08%
TECHNOLOGY · Cap: $4.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc generates 10038% more annual revenue ($451.44B vs $4.45B). AAPL leads profitability with a 27.2% profit margin vs 2.6%. FOUR appears more attractively valued with a PEG of 0.30. AAPL earns a higher WallStSmart Score of 67/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
FOUR
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+41.6%
Fair Value
$100.66
Current Price
$38.08
$62.58 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 115 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
Growing faster than its price suggests
Revenue surging 32.2% year-over-year
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 42.3x book value
ROE of 6.2% — below average capital efficiency
2.6% margin — thin
Premium valuation, high expectations priced in
Earnings declined 72.2%
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 : FOUR
The strongest argument for FOUR centers on PEG Ratio, Revenue Growth. Revenue growth of 32.2% demonstrates continued momentum. PEG of 0.30 suggests the stock is reasonably priced for its growth.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : FOUR
The primary concerns for FOUR are Return on Equity, Profit Margin, P/E Ratio. A P/E of 47.3x leaves little room for execution misses. Debt-to-equity of 2.77 is elevated, increasing financial risk.
Key Dynamics to Monitor
AAPL profiles as a growth stock while FOUR is a hypergrowth play — different risk/reward profiles.
FOUR carries more volatility with a beta of 1.42 — expect wider price swings.
FOUR is growing revenue faster at 32.2% — sustainability is the question.
AAPL generates stronger free cash flow (26.7B), providing more financial flexibility.
Bottom Line
AAPL scores higher overall (67/100 vs 62/100), backed by strong 27.2% margins and 16.6% revenue growth. FOUR offers better value entry with a 41.6% 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 →Shift4 Payments Inc
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Shift4 Payments, Inc. provides integrated payment processing and technology solutions in the United States. The company is headquartered in Allentown, Pennsylvania.
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