WallStSmart

Apple Inc (AAPL)vsWex Inc (WEX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Apple Inc generates 16632% more annual revenue ($451.44B vs $2.70B). AAPL leads profitability with a 27.2% profit margin vs 11.5%. WEX appears more attractively valued with a PEG of 0.78. WEX earns a higher WallStSmart Score of 74/100 (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

WEX

Strong Buy

74

out of 100

Grade: B

Growth: 6.0Profit: 6.5Value: 7.0Quality: 3.0
Piotroski: 3/9Altman Z: 0.66

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AAPL6 strengths · Avg: 9.5/10
Market CapQuality
$4.63T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
115.1%10/10

Every $100 of equity generates 115 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

WEX5 strengths · Avg: 8.2/10
Return on EquityProfitability
24.4%9/10

Every $100 of equity generates 24 in profit

PEG RatioValuation
0.788/10

Growing faster than its price suggests

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Operating MarginProfitability
23.5%8/10

Strong operational efficiency at 23.5%

EPS GrowthGrowth
22.7%8/10

Earnings expanding 22.7% YoY

Areas to Watch

AAPL3 concerns · Avg: 3.3/10
PEG RatioValuation
2.464/10

Expensive relative to growth rate

P/E RatioValuation
38.2x4/10

Premium valuation, high expectations priced in

Price/BookValuation
42.3x2/10

Trading at 42.3x book value

WEX4 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-368.30M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.662/10

Distress zone — elevated risk

Debt/EquityHealth
4.111/10

Elevated debt levels

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 : WEX

The strongest argument for WEX centers on Return on Equity, PEG Ratio, P/E Ratio. PEG of 0.78 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 : WEX

The primary concerns for WEX are Piotroski F-Score, Free Cash Flow, Altman Z-Score. Debt-to-equity of 4.11 is elevated, increasing financial risk.

Key Dynamics to Monitor

AAPL profiles as a growth stock while WEX is a value play — different risk/reward profiles.

AAPL carries more volatility with a beta of 1.06 — expect wider price swings.

AAPL is growing revenue faster at 16.6% — sustainability is the question.

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

Bottom Line

WEX scores higher overall (74/100 vs 67/100). 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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Wex Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

WEX Inc. offers financial technology services in North America, Asia Pacific, and Europe. The company is headquartered in Portland, Maine.

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