AAPL
Apple Inc.
AAPL has the edge over EVTC overall, supported by stronger fundamentals and stronger modeled upside.
EVTC
EVERTEC, Inc.
EVTC 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.
EVTC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| Strong | |
| Weak |
EVTC's revenue, profitability and cash flow are currently healthy, but its balance sheet is weak.
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 EVTC in the historical PE scenario, which offers more potential upside but is not a forecast.
EVTC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 7.5x | $32.12 | — |
| Cheap | 12x | $18.97 | -41% |
| Fair | 20x | $30.81 | -4.1% |
| Current | 21x | $32.12 | — |
| Expensive | 28x | $43.54 | +36% |
Historical ranges are pointers, not guarantees.
EVTC's PE is in its fair range at 21x. If earnings grow as analysts expect, today's price would be 7.5x 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.
EVTC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Weakening | |
| Limited | |
| High |
EVTC has the edge over AAPL on the outlook, with more favorable valuation 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.
EVTC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.29 | +181% |
| Q3 2026 | $1.53 | -32% |
| Q2 2026 | $1.55 | -27% |
| Q1 2026 | $2.08 | +4.5% |
| Q4 2025 | $2.20 | +27% |
| Q3 2025 | $2.25 | +76% |
| Q2 2025 | $2.12 | +102% |
| Q1 2025 | $1.99 | +101% |
| Q4 2024 | $1.73 | +43% |
EVTC has the edge over AAPL on earnings, with stronger typical year-over-year growth.
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 has the edge over EVTC on profitability, with a higher operating margin.
EVTC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $283M | +24% |
| Q2 2026 | $274.8M | +20% |
| Q1 2026 | $247.9M | +8.4% |
| Q4 2025 | $244.8M | +13% |
| Q3 2025 | $228.6M | +7.9% |
| Q2 2025 | $229.6M | +8.3% |
| Q1 2025 | $228.8M | +11% |
| Q4 2024 | $216.4M | +11% |
EVTC has the edge over AAPL on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 18% | +1.4 points |
| Q2 2026 | 19% | -5.1 points |
| Q1 2026 | 18% | -3.7 points |
| Q4 2025 | 18% | -4.6 points |
| Q3 2025 | 17% | -3.1 points |
| Q2 2025 | 24% | +4 points |
| Q1 2025 | 22% | +5.7 points |
| Q4 2024 | 22% | +11 points |
EVTC's operating margin was 18% last quarter, up 1.4 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.
EVTC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $79.2M | +21% |
| Q2 2026 | $54.6M | +25% |
| Q1 2026 | $24.9M | -20% |
| Q4 2025 | $63.7M | -10% |
| Q3 2025 | $65.3M | +31% |
| Q2 2025 | $43.5M | -48% |
| Q1 2025 | $31.2M | +2.1% |
| Q4 2024 | $70.8M | +27% |
EVTC has the edge over AAPL on cash flow, with stronger typical year-over-year growth.
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.
EVTC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.7% | -1M shares |
| 1 year | -6.7% | -4.3M shares |
| 3 years | -8.1% | -5.4M shares |
| 5 years | -17% | -12.5M shares |
| Available history | -18% | -13.1M shares |
EVTC has the edge over AAPL on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $15.4M |
| Q2 2026 | $47M |
| Q1 2026 | $20M |
| Q4 2025 | $65.6M |
| Q3 2025 | — |
| Q2 2025 | $3.7M |
| Q1 2025 | — |
| Q4 2024 | — |
EVTC spent $148M buying back its own shares over the past year, more than ten 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 EVTC on leverage, with a lower net debt burden relative to earnings.
EVTC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 4.6x | High |
| Q2 2026 | 5.1x | High |
| Q1 2026 | 4.0x | Elevated |
| Q4 2025 | 3.7x | Elevated |
| Q3 2025 | 2.9x | Moderate |
| Q2 2025 | 3.0x | Moderate |
| Q1 2025 | 3.3x | Elevated |
| Q4 2024 | 3.6x | Elevated |
EVTC's net debt is about 4.6 years of its operating earnings (EBITDA), up from 2.9 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).
EVTC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.1 | Neutral |
| Stochastic | 68.5 | Neutral |
EVTC's weekly RSI is 57 (neutral) and its Stochastic is 69 (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.
EVTC PE vs Technology Sector
| Metric | EVTC | Sector median | Relative |
|---|---|---|---|
| PE | 21x | 28x | 25% below |
| PE % | 53 | 35 | 18 pts above |
EVTC 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 has the edge over EVTC on trend strength, trading above more of its moving averages.
EVTC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $30.7 | 4.5% above |
| 20 week MA | $30.2 | 6.4% above |
| 50 week MA | $28.7 | 12% above |
| 100 week MA | $31.3 | 2.6% above |
| 200 week MA | $33.8 | 4.9% below |
EVTC has bounced recently, but its long-term trend is still down: it's above its 8-, 20-, 50- and 100-week averages, but 4.9% below 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 EVTC on returns for 2026, with the stronger performance.
EVTC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $33.9 | $40.0 | +18% |
| 2021 | $40.0 | $49.6 | +24% |
| 2022 | $49.6 | $31.3 | -37% |
| 2023 | $31.3 | $40.9 | +31% |
| 2024 | $40.9 | $34.8 | -15% |
| 2025 | $34.8 | $29.6 | -15% |
| 2026 YTD | $29.6 | $32.1 | +8.7% |
EVTC has finished lower in three of the last six years. It's up 8.7% so far in 2026.