Apple Inc (AAPL)vsGuidewire Software Inc (GWRE)
AAPL
Apple Inc
$271.35
+0.44%
TECHNOLOGY · Cap: $3.98T
GWRE
Guidewire Software Inc
$139.23
+0.40%
TECHNOLOGY · Cap: $11.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc generates 32365% more annual revenue ($435.62B vs $1.34B). AAPL leads profitability with a 27.0% profit margin vs 14.1%. GWRE appears more attractively valued with a PEG of 0.85. AAPL earns a higher WallStSmart Score of 65/100 (C+).
AAPL
Buy65
out of 100
Grade: C+
GWRE
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+14.1%
Fair Value
$151.76
Current Price
$139.23
$12.53 discount
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
Earnings expanding 228.0% YoY
Growing faster than its price suggests
Revenue surging 24.0% year-over-year
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Elevated debt levels
Trading at 45.2x book value
Premium valuation, high expectations priced in
Distress zone — elevated risk
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 : GWRE
The strongest argument for GWRE centers on EPS Growth, PEG Ratio, Revenue Growth. Revenue growth of 24.0% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Debt/Equity.
Bear Case : GWRE
The primary concerns for GWRE are P/E Ratio, Altman Z-Score. A P/E of 63.0x leaves little room for execution misses.
Key Dynamics to Monitor
AAPL carries more volatility with a beta of 1.11 — expect wider price swings.
GWRE is growing revenue faster at 24.0% — 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
AAPL scores higher overall (65/100 vs 62/100), backed by strong 27.0% margins and 15.7% revenue growth. Both earn "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 →Guidewire Software Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Guidewire Software, Inc. provides software products for property and casualty insurers around the world. The company is headquartered in San Mateo, California.
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