Apple Inc. (AAPL)vsPaycom Software, Inc. (PAYC)
AAPL
Apple Inc.
$332.27
+1.75%
TECHNOLOGY · Cap: $4.85T
PAYC
Paycom Software, Inc.
$218.91
+1.33%
TECHNOLOGY · Cap: $9.88B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc. generates 21707% more annual revenue ($466.82B vs $2.14B). AAPL leads profitability with a 27.6% profit margin vs 22.8%. PAYC appears more attractively valued with a PEG of 1.23. PAYC earns a higher WallStSmart Score of 72/100 (B).
AAPL
Strong Buy67
out of 100
Grade: B-
PAYC
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+74.8%
Fair Value
$470.99
Current Price
$218.91
$252.08 discount
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
Every $100 of equity generates 58 in profit
Strong operational efficiency at 31.7%
Keeps 23 of every $100 in revenue as profit
Earnings expanding 48.1% YoY
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 45.1x book value
Trading at 16.7x book value
Elevated debt levels
Weak financial health signals
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 27.6% and operating margin at 32.6%. Revenue growth of 16.4% demonstrates continued momentum.
Bull Case : PAYC
The strongest argument for PAYC centers on Return on Equity, Operating Margin, Profit Margin. Profitability is solid with margins at 22.8% and operating margin at 31.7%. PEG of 1.23 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 : PAYC
The primary concerns for PAYC are Price/Book, Debt/Equity, Piotroski F-Score. Debt-to-equity of 1.72 is elevated, increasing financial risk.
Key Dynamics to Monitor
AAPL profiles as a growth stock while PAYC is a mature play — different risk/reward profiles.
AAPL carries more volatility with a beta of 1.08 — 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
PAYC scores higher overall (72/100 vs 67/100), backed by strong 22.8% margins. Both earn "Strong Buy" and "Strong 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 →Paycom Software, Inc.
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Paycom Software, Inc., known simply as Paycom, is an American online payroll and human resource technology provider based in Oklahoma City, Oklahoma.
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