WallStSmart

Apple Inc (AAPL)vsPattern Group Inc. Series A Common Stock (PTRN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc generates 16408% more annual revenue ($451.44B vs $2.73B). AAPL leads profitability with a 27.2% profit margin vs 0.8%. AAPL earns a higher WallStSmart Score of 67/100 (B-).

AAPL

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 10.0Value: 3.7Quality: 5.5
Piotroski: 7/9Altman Z: 2.42

PTRN

Hold

40

out of 100

Grade: F

Growth: 7.3Profit: 4.5Value: 6.7Quality: 8.0
Piotroski: 3/9Altman Z: 5.46
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AAPL.

PTRNUndervalued (+87.1%)

Margin of Safety

+87.1%

Fair Value

$81.60

Current Price

$15.92

$65.68 discount

UndervaluedFair: $81.60Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAPL6 strengths · Avg: 9.5/10
Market CapQuality
$4.22T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
141.5%10/10

Every $100 of equity generates 142 in profit

Operating MarginProfitability
32.3%10/10

Strong operational efficiency at 32.3%

Free Cash FlowQuality
$26.73B10/10

Generating 26.7B in free cash flow

Profit MarginProfitability
27.2%9/10

Keeps 27 of every $100 in revenue as profit

Revenue GrowthGrowth
16.6%8/10

16.6% revenue growth

PTRN3 strengths · Avg: 10.0/10
Revenue GrowthGrowth
43.2%10/10

Revenue surging 43.2% year-over-year

Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
5.4610/10

Safe zone — low bankruptcy risk

Areas to Watch

AAPL4 concerns · Avg: 2.8/10
P/E RatioValuation
34.8x4/10

Premium valuation, high expectations priced in

Debt/EquityHealth
1.033/10

Elevated debt levels

PEG RatioValuation
2.522/10

Expensive relative to growth rate

Price/BookValuation
48.9x2/10

Trading at 48.9x book value

PTRN4 concerns · Avg: 2.8/10
Return on EquityProfitability
4.5%3/10

ROE of 4.5% — below average capital efficiency

Profit MarginProfitability
0.8%3/10

0.8% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-2.7%2/10

Earnings declined 2.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : AAPL

The strongest argument for AAPL centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 27.2% and operating margin at 32.3%. Revenue growth of 16.6% demonstrates continued momentum.

Bull Case : PTRN

The strongest argument for PTRN centers on Revenue Growth, Debt/Equity, Altman Z-Score. Revenue growth of 43.2% demonstrates continued momentum.

Bear Case : AAPL

The primary concerns for AAPL are P/E Ratio, Debt/Equity, PEG Ratio.

Bear Case : PTRN

The primary concerns for PTRN are Return on Equity, Profit Margin, Piotroski F-Score. Thin 0.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

AAPL profiles as a growth stock while PTRN is a hypergrowth play — different risk/reward profiles.

PTRN is growing revenue faster at 43.2% — sustainability is the question.

AAPL generates stronger free cash flow (26.7B), providing more financial flexibility.

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

Bottom Line

AAPL scores higher overall (67/100 vs 40/100), backed by strong 27.2% margins and 16.6% revenue growth. PTRN offers better value entry with a 87.1% margin of safety. 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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Pattern Group Inc. Series A Common Stock

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Pattern Group Inc. operates online marketplaces that sell various consumer products. The company is headquartered in Lehi, Utah.

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