Apple Inc. (AAPL)vsPagSeguro Digital Ltd (PAGS)
AAPL
Apple Inc.
$332.27
+1.75%
TECHNOLOGY · Cap: $4.85T
PAGS
PagSeguro Digital Ltd
$10.12
-0.10%
TECHNOLOGY · Cap: $2.65B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc. generates 2257% more annual revenue ($466.82B vs $19.80B). AAPL leads profitability with a 27.6% profit margin vs 10.9%. PAGS trades at a lower P/E of 6.6x. AAPL earns a higher WallStSmart Score of 67/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
PAGS
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 120 in profit
Strong operational efficiency at 32.6%
Generating 31.9B in free cash flow
Keeps 28 of every $100 in revenue as profit
16.4% revenue growth
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 36.2%
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 45.1x book value
Revenue declined 0.2%
Distress zone — elevated risk
Elevated debt levels
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 27.6% and operating margin at 32.6%. Revenue growth of 16.4% demonstrates continued momentum.
Bull Case : PAGS
The strongest argument for PAGS centers on P/E Ratio, Price/Book, Operating Margin.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : PAGS
The primary concerns for PAGS are Revenue Growth, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.10 is elevated, increasing financial risk.
Key Dynamics to Monitor
AAPL profiles as a growth stock while PAGS is a declining play — different risk/reward profiles.
PAGS carries more volatility with a beta of 1.27 — expect wider price swings.
AAPL is growing revenue faster at 16.4% — sustainability is the question.
AAPL generates stronger free cash flow (31.9B), providing more financial flexibility.
Bottom Line
AAPL scores higher overall (67/100 vs 65/100), backed by strong 27.6% 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 →PagSeguro Digital Ltd
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
PagSeguro Digital Ltd., provides financial technology solutions and services for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. The company is headquartered in So Paulo, Brazil.
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