AAPL
Apple Inc.
AAPL has a slight edge over ACIW overall, supported by stronger fundamentals and stronger modeled upside.
ACIW
ACI Worldwide, Inc.
ACIW offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
AAPL Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Strong | |
| Strong |
AAPL's revenue, profitability, cash flow and balance sheet are all currently healthy.
ACIW Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| Strong | |
| Healthy |
ACIW's cash flow and balance sheet are currently healthy, and its revenue and profitability are stable.
AAPL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 26x | $230 | -35% |
| Fair | 31x | $279 | -21% |
| Expensive | 37x | $328 | -7.5% |
| Forward | 38x | $355 | — |
| Current | 40x | $355 | — |
Historical ranges are pointers, not guarantees.
AAPL has the edge over ACIW in the historical PE scenario, which offers more potential upside but is not a forecast.
ACIW PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 20x | $31.80 | -48% |
| Forward | 22x | $61.26 | — |
| Fair | 29x | $46.13 | -25% |
| Current | 38x | $61.26 | — |
| Expensive | 46x | $74.84 | +22% |
Historical ranges are pointers, not guarantees.
ACIW's PE is in its fair range at 38x. If earnings grow as analysts expect, today's price would be 22x next year's earnings, in its cheap range.
AAPL Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Weakening | |
| Moderate | |
| Moderate |
Analysts expect earnings and revenue growth for AAPL, but weaker profitability.
ACIW Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
ACIW has the edge over AAPL on the outlook, with more favorable valuation and profitability expectations.
AAPL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $9.28 | +3.3% |
| Q3 2026 | $8.98 | +20% |
| Q2 2026 | $8.71 | +32% |
| Q1 2026 | $8.26 | +29% |
| Q4 2025 | $7.90 | +25% |
| Q3 2025 | $7.46 | +23% |
| Q2 2025 | $6.59 | +0.2% |
| Q1 2025 | $6.42 | -0.3% |
| Q4 2024 | $6.30 | -2% |
AAPL has the edge over ACIW on earnings, with more consistent year-over-year improvement.
ACIW Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.82 | +75% |
| Q3 2026 | $1.61 | -35% |
| Q2 2026 | $2.17 | -8.1% |
| Q1 2026 | $1.98 | -22% |
| Q4 2025 | $2.16 | +13% |
| Q3 2025 | $2.47 | +17% |
| Q2 2025 | $2.36 | +39% |
| Q1 2025 | $2.53 | +87% |
| Q4 2024 | $1.91 | +71% |
ACIW's earnings per share have fallen from their peak: $1.61 over the past year, against $2.53 in early 2025.
AAPL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $114.5B | +12% |
| Q2 2026 | $109.4B | +16% |
| Q1 2026 | $111.2B | +17% |
| Q4 2025 | $143.8B | +16% |
| Q3 2025 | $102.5B | +7.9% |
| Q2 2025 | $94B | +9.6% |
| Q1 2025 | $95.4B | +5.1% |
| Q4 2024 | $124.3B | +4% |
AAPL has the edge over ACIW on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 31% | -0.5 points |
| Q2 2026 | 33% | +2.6 points |
| Q1 2026 | 32% | +1.3 points |
| Q4 2025 | 35% | +0.9 points |
| Q3 2025 | 32% | +0.5 points |
| Q2 2025 | 30% | +0.4 points |
| Q1 2025 | 31% | +0.3 points |
| Q4 2024 | 34% | +0.7 points |
AAPL has the edge over ACIW on profitability, with a higher operating margin.
ACIW Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $426.8M | -12% |
| Q2 2026 | $430.4M | +7.3% |
| Q1 2026 | $425.7M | +7.9% |
| Q4 2025 | $481.6M | +6.3% |
| Q3 2025 | $482.4M | +6.8% |
| Q2 2025 | $401.3M | +7.4% |
| Q1 2025 | $394.6M | +25% |
| Q4 2024 | $453M | -4.9% |
ACIW's revenue has held roughly level: $427M last quarter, down 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 12% | -14 points |
| Q2 2026 | 10% | +1.7 points |
| Q1 2026 | 14% | -1.3 points |
| Q4 2025 | 23% | -4.4 points |
| Q3 2025 | 26% | -0.7 points |
| Q2 2025 | 8.7% | -5.7 points |
| Q1 2025 | 15% | +12 points |
| Q4 2024 | 27% | -9.2 points |
ACIW's operating margin was 12% last quarter, down 14 points from the same quarter a year ago.
AAPL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $25.9B | -2.4% |
| Q2 2026 | $31.9B | +31% |
| Q1 2026 | $26.7B | +28% |
| Q4 2025 | $51.6B | +91% |
| Q3 2025 | $26.5B | +11% |
| Q2 2025 | $24.4B | -8.6% |
| Q1 2025 | $20.9B | +0.9% |
| Q4 2024 | $27B | -28% |
AAPL's free cash flow has been positive every quarter for seven years: $136B over the past year, up 38% from the year before.
ACIW Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $116.3M | +67% |
| Q2 2026 | $63.9M | +34% |
| Q1 2026 | $61.2M | -19% |
| Q4 2025 | $116.6M | -2.5% |
| Q3 2025 | $69.6M | +38% |
| Q2 2025 | $47.6M | -11% |
| Q1 2025 | $76.1M | -37% |
| Q4 2024 | $119.5M | +41% |
ACIW's free cash flow has been positive every quarter for seven years: $358M over the past year, up 14% from the year before.
AAPL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +5.6M shares |
| 1 year | -1.9% | -284M shares |
| 3 years | -6.9% | -1.1B shares |
| 5 years | -13% | -2.1B shares |
| Available history | -17% | -3.1B shares |
AAPL has 14.7B diluted shares, down 1.9% from a year ago, with $86.4B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $24.3B |
| Q2 2026 | $25.1B |
| Q1 2026 | $12.3B |
| Q4 2025 | $24.7B |
| Q3 2025 | $20.1B |
| Q2 2025 | $21.1B |
| Q1 2025 | $25.9B |
| Q4 2024 | $23.6B |
AAPL spent $86.4B buying back its own shares over the past year, down 4.8% from the year before.
ACIW Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -360K shares |
| 1 year | -2.5% | -2.6M shares |
| 3 years | -7% | -7.6M shares |
| 5 years | -15% | -17.2M shares |
| Available history | -15% | -17.3M shares |
ACIW has the edge over AAPL on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $50M |
| Q2 2026 | $41.5M |
| Q1 2026 | $65.3M |
| Q4 2025 | $52.6M |
| Q3 2025 | $16.3M |
| Q2 2025 | $119.4M |
| Q1 2025 | $14.4M |
| Q4 2024 | — |
ACIW spent $209M buying back its own shares over the past year, up 40% from the year before.
AAPL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.3x | Very low |
| Q2 2026 | 0.3x | Very low |
| Q1 2026 | 0.2x | Very low |
| Q4 2025 | 0.3x | Very low |
| Q3 2025 | 0.4x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.5x | Very low |
AAPL has the edge over ACIW on leverage, with a lower net debt burden relative to earnings.
ACIW Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.7x | Healthy |
| Q2 2026 | 1.5x | Healthy |
| Q1 2026 | 1.5x | Healthy |
| Q4 2025 | 1.5x | Healthy |
| Q3 2025 | 1.5x | Healthy |
| Q2 2025 | 1.6x | Healthy |
| Q1 2025 | 1.3x | Healthy |
| Q4 2024 | 1.7x | Healthy |
ACIW's net debt is about 1.7 years of its operating earnings (EBITDA), about the same as a year ago.
AAPL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 68.1 | Neutral |
| Stochastic | 85.0 | Overbought |
AAPL's weekly RSI is 68 (neutral) and its Stochastic is 85 (overbought).
ACIW Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 70.0 | Neutral |
| Stochastic | 77.4 | Neutral |
ACIW's weekly RSI is 70 (neutral) and its Stochastic is 77 (neutral).
AAPL PE vs Technology Sector
| Metric | AAPL | Sector median | Relative |
|---|---|---|---|
| PE | 40x | 28x | 42% above |
| PE % | 96 | 35 | 61 pts above |
AAPL is trading at 40x earnings, a 42% premium to the Technology sector's median of 28x.
ACIW PE vs Technology Sector
| Metric | ACIW | Sector median | Relative |
|---|---|---|---|
| PE | 38x | 28x | 37% above |
| PE % | 65 | 35 | 30 pts above |
ACIW has the edge over AAPL on valuation relative to its sector.
AAPL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $343.1 | 3.4% above |
| 20 week MA | $329.0 | 7.9% above |
| 50 week MA | $295.6 | 20% above |
| 100 week MA | $262.4 | 35% above |
| 200 week MA | $226.3 | 57% above |
AAPL is in an uptrend: it's above all five of its weekly moving averages, and 57% above its 200-week average.
ACIW Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $54.6 | 12% above |
| 20 week MA | $54.4 | 13% above |
| 50 week MA | $47.9 | 28% above |
| 100 week MA | $48.7 | 26% above |
| 200 week MA | $40.8 | 50% above |
ACIW is in an uptrend: it's above all five of its weekly moving averages, and 50% above its 200-week average.
AAPL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $72.5 | $132.0 | +82% |
| 2021 | $132.0 | $176.3 | +34% |
| 2022 | $176.3 | $131.9 | -25% |
| 2023 | $131.9 | $192.5 | +46% |
| 2024 | $192.5 | $255.6 | +33% |
| 2025 | $255.6 | $273.4 | +7% |
| 2026 YTD | $273.4 | $354.9 | +30% |
AAPL has the edge over ACIW on returns for 2026, with the stronger performance.
ACIW Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $37.7 | $38.5 | +2.1% |
| 2021 | $38.5 | $34.9 | -9.4% |
| 2022 | $34.9 | $22.0 | -37% |
| 2023 | $22.0 | $30.6 | +39% |
| 2024 | $30.6 | $51.9 | +70% |
| 2025 | $51.9 | $48.7 | -6.1% |
| 2026 YTD | $48.7 | $61.3 | +26% |
ACIW has finished lower in three of the last six years. It's up 26% so far in 2026.