WallStSmart

Apple Inc. (AAPL)vsLiveramp Holdings Inc (RAMP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc. generates 56002% more annual revenue ($466.82B vs $832.10M). AAPL leads profitability with a 27.6% profit margin vs 18.7%. RAMP appears more attractively valued with a PEG of 0.59. RAMP earns a higher WallStSmart Score of 71/100 (B).

AAPL

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 10.0Value: 4.3Quality: 6.5
Piotroski: 7/9Altman Z: 2.42

RAMP

Strong Buy

71

out of 100

Grade: B

Growth: 8.0Profit: 7.0Value: 8.7Quality: 8.5
Piotroski: 4/9Altman Z: 4.63
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AAPL.

RAMPUndervalued (+45.3%)

Margin of Safety

+45.3%

Fair Value

$42.41

Current Price

$37.60

$4.81 discount

UndervaluedFair: $42.41Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAPL6 strengths · Avg: 9.5/10
Market CapQuality
$4.85T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
119.9%10/10

Every $100 of equity generates 120 in profit

Operating MarginProfitability
32.6%10/10

Strong operational efficiency at 32.6%

Free Cash FlowQuality
$31.91B10/10

Generating 31.9B in free cash flow

Profit MarginProfitability
27.6%9/10

Keeps 28 of every $100 in revenue as profit

Revenue GrowthGrowth
16.4%8/10

16.4% revenue growth

RAMP6 strengths · Avg: 9.0/10
EPS GrowthGrowth
136.6%10/10

Earnings expanding 136.6% YoY

Debt/EquityHealth
0.0310/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.6310/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.598/10

Growing faster than its price suggests

P/E RatioValuation
15.8x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Areas to Watch

AAPL3 concerns · Avg: 3.3/10
PEG RatioValuation
2.484/10

Expensive relative to growth rate

P/E RatioValuation
37.5x4/10

Premium valuation, high expectations priced in

Price/BookValuation
45.1x2/10

Trading at 45.1x book value

RAMP0 concerns · Avg: 0/10

No major concerns identified

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 27.6% and operating margin at 32.6%. Revenue growth of 16.4% demonstrates continued momentum.

Bull Case : RAMP

The strongest argument for RAMP centers on EPS Growth, Debt/Equity, Altman Z-Score. Profitability is solid with margins at 18.7% and operating margin at 12.5%. PEG of 0.59 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 : RAMP

No major red flags identified for RAMP, but monitor valuation.

Key Dynamics to Monitor

AAPL profiles as a growth stock while RAMP is a mature play — different risk/reward profiles.

RAMP carries more volatility with a beta of 1.25 — 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

RAMP scores higher overall (71/100 vs 67/100), backed by strong 18.7% 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.

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Liveramp Holdings Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

LiveRamp Holdings, Inc., a technology company, offers enterprise data connectivity platform solutions in the United States, Europe, and Asia-Pacific. The company is headquartered in San Francisco, California.

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