Apple Inc. (AAPL)vsStoneCo Ltd (STNE)
AAPL
Apple Inc.
$338.98
+0.23%
TECHNOLOGY · Cap: $4.85T
STNE
StoneCo Ltd
$9.71
+1.89%
TECHNOLOGY · Cap: $2.38B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc. generates 3336% more annual revenue ($466.82B vs $13.59B). AAPL leads profitability with a 27.6% profit margin vs 24.7%. STNE trades at a lower P/E of 3.7x. STNE earns a higher WallStSmart Score of 67/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
STNE
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+79.7%
Fair Value
$86.82
Current Price
$9.71
$77.11 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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.6%
Every $100 of equity generates 28 in profit
Keeps 25 of every $100 in revenue as profit
Generating 1.7B in free cash flow
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 46.1x book value
1.6% revenue growth
Elevated debt levels
Earnings declined 16.6%
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 : STNE
The strongest argument for STNE centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.7% and operating margin at 39.6%.
Bear Case : AAPL
The primary concerns for AAPL are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : STNE
The primary concerns for STNE are Revenue Growth, Debt/Equity, EPS Growth. Debt-to-equity of 1.81 is elevated, increasing financial risk.
Key Dynamics to Monitor
AAPL profiles as a growth stock while STNE is a value play — different risk/reward profiles.
STNE carries more volatility with a beta of 1.62 — 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
AAPL scores higher overall (67/100 vs 67/100), backed by strong 27.6% margins and 16.4% revenue growth. STNE offers better value entry with a 79.7% margin of safety. 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 →StoneCo Ltd
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
StoneCo Ltd. provides fintech solutions to merchants and integrated partners to conduct e-commerce through store, online and mobile channels in Brazil.
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