Apple Inc. (AAPL)vsUpbound Group Inc. (UPBD)
AAPL
Apple Inc.
$355.63
-0.14%
TECHNOLOGY · Cap: $5.03T
UPBD
Upbound Group Inc.
$23.88
-5.50%
TECHNOLOGY · Cap: $1.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Apple Inc. generates 9778% more annual revenue ($466.82B vs $4.73B). AAPL leads profitability with a 27.6% profit margin vs 2.4%. UPBD appears more attractively valued with a PEG of 1.39. AAPL earns a higher WallStSmart Score of 67/100 (B-).
AAPL
Strong Buy67
out of 100
Grade: B-
UPBD
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AAPL.
Margin of Safety
+33.7%
Fair Value
$29.86
Current Price
$23.88
$5.98 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 118 in profit
Strong operational efficiency at 32.6%
Generating 25.9B in free cash flow
Keeps 28 of every $100 in revenue as profit
16.4% revenue growth
Earnings expanding 163.6% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Premium valuation, high expectations priced in
Expensive relative to growth rate
Trading at 48.3x book value
Smaller company, higher risk/reward
2.4% margin — thin
Weak financial health signals
Revenue declined 1.6%
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 27.6% and operating margin at 32.6%. Revenue growth of 16.4% demonstrates continued momentum.
Bull Case : UPBD
The strongest argument for UPBD centers on EPS Growth, P/E Ratio, Price/Book. PEG of 1.39 suggests the stock is reasonably priced for its growth.
Bear Case : AAPL
The primary concerns for AAPL are P/E Ratio, PEG Ratio, Price/Book.
Bear Case : UPBD
The primary concerns for UPBD are Market Cap, Profit Margin, Piotroski F-Score. Debt-to-equity of 2.17 is elevated, increasing financial risk. Thin 2.4% margins leave little buffer for downturns.
Key Dynamics to Monitor
AAPL profiles as a growth stock while UPBD is a value play — different risk/reward profiles.
UPBD carries more volatility with a beta of 1.78 — expect wider price swings.
AAPL is growing revenue faster at 16.4% — sustainability is the question.
AAPL generates stronger free cash flow (25.9B), providing more financial flexibility.
Bottom Line
AAPL scores higher overall (67/100 vs 63/100), backed by strong 27.6% margins and 16.4% revenue growth. UPBD offers better value entry with a 33.7% margin of safety. Both earn "Strong 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 →Upbound Group Inc.
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Upbound Group, Inc., an omni-channel platform company, leases household durable goods to customers on a lease-to-own basis in the United States, Puerto Rico, and Mexico. The company is headquartered in Plano, Texas.
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