Apple Inc (AAPL)vsPayoneer Global Inc (PAYO)
AAPL
Apple Inc
$248.80
-0.87%
TECHNOLOGY · Cap: $3.66T
PAYO
Payoneer Global Inc
$4.78
-4.21%
TECHNOLOGY · Cap: $1.70B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc generates 41278% more annual revenue ($435.62B vs $1.05B). AAPL leads profitability with a 27.0% profit margin vs 7.0%. PAYO trades at a lower P/E of 25.2x. AAPL earns a higher WallStSmart Score of 65/100 (C+).
AAPL
Buy65
out of 100
Grade: C+
PAYO
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+12.8%
Fair Value
$285.39
Current Price
$248.80
$36.59 discount
Margin of Safety
+33.8%
Fair Value
$8.89
Current Price
$4.78
$4.11 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
Revenue surging 47.0% year-over-year
Earnings expanding 1100.0% YoY
Conservative balance sheet, low leverage
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Elevated debt levels
Trading at 41.5x book value
Moderate valuation
Smaller company, higher risk/reward
7.0% margin — thin
Weak financial health signals
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 : PAYO
The strongest argument for PAYO centers on Revenue Growth, EPS Growth, Debt/Equity. Revenue growth of 47.0% demonstrates continued momentum.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Debt/Equity.
Bear Case : PAYO
The primary concerns for PAYO are P/E Ratio, Market Cap, Profit Margin.
Key Dynamics to Monitor
AAPL profiles as a growth stock while PAYO is a hypergrowth play — different risk/reward profiles.
PAYO carries more volatility with a beta of 1.14 — expect wider price swings.
PAYO is growing revenue faster at 47.0% — sustainability is the question.
AAPL generates stronger free cash flow (51.6B), providing more financial flexibility.
Bottom Line
AAPL scores higher overall (65/100 vs 58/100), backed by strong 27.0% margins and 15.7% revenue growth. PAYO offers better value entry with a 33.8% margin of safety. 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 →Payoneer Global Inc
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Payoneer Inc. operates a cross-border commerce and payment platform that makes it easy for digital businesses, online sellers and freelancers around the world to receive and manage their international payments. The company is headquartered in New York, New York with additional offices in the United States and internationally.
Visit Website →Compare with Other CONSUMER ELECTRONICS Stocks
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