Apple Inc (AAPL)vsPegasystems Inc (PEGA)
AAPL
Apple Inc
$271.35
+0.44%
TECHNOLOGY · Cap: $3.98T
PEGA
Pegasystems Inc
$35.67
-0.81%
TECHNOLOGY · Cap: $5.96B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc generates 25522% more annual revenue ($435.62B vs $1.70B). AAPL leads profitability with a 27.0% profit margin vs 20.0%. AAPL appears more attractively valued with a PEG of 2.43. AAPL earns a higher WallStSmart Score of 65/100 (C+).
AAPL
Buy65
out of 100
Grade: C+
PEGA
Hold45
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+63.9%
Fair Value
$105.15
Current Price
$35.67
$69.48 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
Every $100 of equity generates 52 in profit
Conservative balance sheet, low leverage
Keeps 20 of every $100 in revenue as profit
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Elevated debt levels
Trading at 45.2x book value
Trading at 8.5x book value
Expensive relative to growth rate
Revenue declined 9.6%
Earnings declined 60.6%
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 : PEGA
The strongest argument for PEGA centers on Return on Equity, Debt/Equity, Profit Margin. Profitability is solid with margins at 20.0% and operating margin at 8.6%.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Debt/Equity.
Bear Case : PEGA
The primary concerns for PEGA are Price/Book, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
AAPL profiles as a growth stock while PEGA is a declining play — different risk/reward profiles.
AAPL carries more volatility with a beta of 1.11 — expect wider price swings.
AAPL is growing revenue faster at 15.7% — 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 45/100), backed by strong 27.0% margins and 15.7% revenue growth. PEGA offers better value entry with a 63.9% margin of safety. Both earn "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.
Visit Website →Pegasystems Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Pegasystems Inc. develops, markets, licenses, hosts and supports business software applications in the United States, the rest of the Americas, the United Kingdom, the rest of Europe, the Middle East, Africa, and Asia-Pacific. The company is headquartered in Cambridge, Massachusetts.
Visit Website →Compare with Other CONSUMER ELECTRONICS Stocks
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