WallStSmart

Apple Inc. (AAPL)vsInternational Money Express Inc (IMXI)

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Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc. generates 83945% more annual revenue ($466.82B vs $555.45M). IMXI leads profitability with a 3.4% profit margin vs 0.3%. IMXI appears more attractively valued with a PEG of 2.28. AAPL earns a higher WallStSmart Score of 67/100 (B-).

AAPL

Strong Buy

67

out of 100

Grade: B-

Growth: 4.0Profit: 5.5Value: 3.7Quality: 6.5
Piotroski: 7/9Altman Z: 2.42

IMXI

Hold

44

out of 100

Grade: D

Growth: 2.7Profit: 5.5Value: 5.0Quality: 6.5
Piotroski: 3/9Altman Z: 3.10

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAPL3 strengths · Avg: 10.0/10
Market CapQuality
$4.98T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
119.9%10/10

Every $100 of equity generates 120 in profit

Free Cash FlowQuality
$31.91B10/10

Generating 31.9B in free cash flow

IMXI2 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
3.1010/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

AAPL4 concerns · Avg: 3.8/10
P/E RatioValuation
39.1x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
0.2%4/10

0.2% revenue growth

EPS GrowthGrowth
0.3%4/10

0.3% earnings growth

Profit MarginProfitability
0.3%3/10

0.3% margin — thin

IMXI4 concerns · Avg: 3.3/10
PEG RatioValuation
2.284/10

Expensive relative to growth rate

Market CapQuality
$416.62M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
3.4%3/10

3.4% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : AAPL

The strongest argument for AAPL centers on Market Cap, Return on Equity, Free Cash Flow.

Bull Case : IMXI

The strongest argument for IMXI centers on Altman Z-Score, Price/Book.

Bear Case : AAPL

The primary concerns for AAPL are P/E Ratio, Revenue Growth, EPS Growth. Thin 0.3% margins leave little buffer for downturns.

Bear Case : IMXI

The primary concerns for IMXI are PEG Ratio, Market Cap, Profit Margin. Thin 3.4% margins leave little buffer for downturns.

Key Dynamics to Monitor

AAPL carries more volatility with a beta of 1.08 — expect wider price swings.

AAPL is growing revenue faster at 0.2% — sustainability is the question.

AAPL generates stronger free cash flow (31.9B), providing more financial flexibility.

Monitor CONSUMER ELECTRONICS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

AAPL scores higher overall (67/100 vs 44/100). 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.

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International Money Express Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

International Money Express, Inc., through its subsidiary, is a money transfer service company in the United States, Latin America, Mexico, Africa, Central America, South America, and the Caribbean. The company is headquartered in Miami, Florida.

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