AAPL
Apple Inc.
AAPL has slightly lower modeled downside risk, despite its lower overall score.
CPAY
Corpay, Inc.
CPAY has the edge over AAPL overall, supported by stronger valuation and stronger modeled upside.
AAPL Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Strong | |
| Strong |
AAPL's revenue, profitability, cash flow and balance sheet are all currently healthy.
CPAY Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Strong | |
| Stable |
CPAY's revenue, profitability and cash flow are currently healthy, and its balance sheet is 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's PE is in its expensive range at 40x. If earnings grow as analysts expect, today's price would be 38x next year's earnings.
CPAY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 15x | $456 | — |
| Cheap | 19x | $352 | -23% |
| Fair | 23x | $413 | -9.5% |
| Current | 25x | $456 | — |
| Expensive | 28x | $518 | +14% |
Historical ranges are pointers, not guarantees.
CPAY has the edge over AAPL in the historical PE scenario, which offers more potential upside but is not a forecast.
AAPL Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Weakening | |
| Moderate | |
| Moderate |
Analysts expect earnings and revenue growth for AAPL, but weaker profitability.
CPAY Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
CPAY 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 earned $8.98 per share over the past year, up 20% from the year before.
CPAY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $31.05 | +71% |
| Q3 2026 | $18.17 | +23% |
| Q2 2026 | $16.42 | +12% |
| Q1 2026 | $16.70 | +17% |
| Q4 2025 | $15.03 | +7.6% |
| Q3 2025 | $14.72 | +5% |
| Q2 2025 | $14.71 | +6.9% |
| Q1 2025 | $14.25 | +6% |
| Q4 2024 | $13.97 | +5.8% |
CPAY's earnings per share have climbed steadily: $18.17 over the past year, up 23% from the year before, and higher year over year for 22 quarters in a row.
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's revenue has grown year over year for 10 quarters in a row: $114B last quarter, up 12% from the same quarter a year ago.
| 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's operating margin was 31% last quarter, down 0.5 points from the same quarter a year ago.
CPAY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +18% |
| Q2 2026 | $1.3B | +21% |
| Q1 2026 | $1.3B | +25% |
| Q4 2025 | $1.2B | +21% |
| Q3 2025 | $1.2B | +14% |
| Q2 2025 | $1.1B | +13% |
| Q1 2025 | $1B | +7.5% |
| Q4 2024 | $1B | +10% |
CPAY has the edge over AAPL on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 45% | +0.3 points |
| Q2 2026 | 35% | -8.2 points |
| Q1 2026 | 50% | +8 points |
| Q4 2025 | 45% | -2 points |
| Q3 2025 | 45% | -0.9 points |
| Q2 2025 | 44% | -0.9 points |
| Q1 2025 | 42% | 0 points |
| Q4 2024 | 47% | +2 points |
CPAY has the edge over AAPL on profitability, with a higher operating margin.
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 has the edge over CPAY on cash flow, with more consistent year-over-year improvement.
CPAY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$735M | -$305.2M |
| Q2 2026 | $1.4B | +30% |
| Q1 2026 | -$107.7M | +$11.2M |
| Q4 2025 | $760.3M | +26% |
| Q3 2025 | -$429.8M | -221% |
| Q2 2025 | $1.1B | +119% |
| Q1 2025 | -$118.9M | -138% |
| Q4 2024 | $604.6M | -11% |
CPAY usually generates cash, though not every quarter: the latest was −$735M, but it generated $1.3B over the past year.
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.
CPAY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +60K shares |
| 1 year | -6.7% | -4.7M shares |
| 3 years | -11% | -8.2M shares |
| 5 years | -21% | -17.3M shares |
| Available history | -27% | -24M shares |
CPAY has the edge over AAPL on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $706.5M |
| Q2 2026 | $326.6M |
| Q1 2026 | $786M |
| Q4 2025 | $500.2M |
| Q3 2025 | $191.7M |
| Q2 2025 | $32.2M |
| Q1 2025 | $58.7M |
| Q4 2024 | $248.8M |
CPAY spent $2.3B buying back its own shares over the past year, about four times what it spent 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 CPAY on leverage, with a lower net debt burden relative to earnings.
CPAY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.0x | Moderate |
| Q2 2026 | 2.8x | Moderate |
| Q1 2026 | 3.0x | Moderate |
| Q4 2025 | 3.2x | Elevated |
| Q3 2025 | 2.7x | Moderate |
| Q2 2025 | 2.7x | Moderate |
| Q1 2025 | 3.0x | Elevated |
| Q4 2024 | 3.0x | Elevated |
CPAY's net debt is about 3.0 years of its operating earnings (EBITDA), up from 2.7 years 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).
CPAY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 72.0 | Overbought |
| Stochastic | 66.5 | Neutral |
CPAY's weekly RSI is 72 (overbought) and its Stochastic is 67 (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.
CPAY PE vs Technology Sector
| Metric | CPAY | Sector median | Relative |
|---|---|---|---|
| PE | 25x | 28x | 9.9% below |
| PE % | 70 | 35 | 35 pts above |
CPAY 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.
CPAY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $413.9 | 10% above |
| 20 week MA | $399.7 | 14% above |
| 50 week MA | $354.3 | 29% above |
| 100 week MA | $339.4 | 34% above |
| 200 week MA | $304.8 | 50% above |
CPAY 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 finished higher in five of the last six years. It's up 30% so far in 2026.
CPAY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $285.8 | $270.5 | -5.4% |
| 2021 | $270.5 | $223.7 | -17% |
| 2022 | $223.7 | $181.2 | -19% |
| 2023 | $181.2 | $282.6 | +56% |
| 2024 | $282.6 | $341.2 | +21% |
| 2025 | $341.2 | $310.2 | -9.1% |
| 2026 YTD | $310.2 | $456.0 | +47% |
CPAY has the edge over AAPL on returns for 2026, with the stronger performance.