AAPL
Apple Inc.
AAPL has the edge over PAYO overall, supported by stronger fundamentals and stronger valuation.
PAYO
Payoneer Global Inc.
PAYO's outlook is improving despite an expensive valuation.
AAPL Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Strong | |
| Strong |
AAPL's revenue, profitability, cash flow and balance sheet are all currently healthy.
PAYO Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| Healthy | |
| Strong |
PAYO'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 PAYO in the historical PE scenario, which offers more potential upside but is not a forecast.
PAYO PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 23x | $3.24 | -55% |
| Fair | 30x | $4.17 | -42% |
| Forward | 31x | $7.18 | — |
| Expensive | 51x | $7.15 | -0.4% |
| Current | 51x | $7.18 | — |
Historical ranges are pointers, not guarantees.
PAYO's PE is in its expensive range at 51x. If earnings grow as analysts expect, today's price would be 31x next year's earnings, in its fair range.
AAPL Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Weakening | |
| Moderate | |
| Moderate |
Analysts expect earnings and revenue growth for AAPL, but weaker profitability.
PAYO Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| Low |
PAYO 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 PAYO on earnings, with more consistent year-over-year improvement.
PAYO Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.23 | +65% |
| Q3 2026 | $0.14 | -18% |
| Q2 2026 | $0.14 | -42% |
| Q1 2026 | $0.20 | -29% |
| Q4 2025 | $0.19 | -39% |
| Q3 2025 | $0.17 | -51% |
| Q2 2025 | $0.24 | -11% |
| Q1 2025 | $0.28 | -6.7% |
| Q4 2024 | $0.31 | +29% |
PAYO's earnings per share have fallen from their peak: $0.14 over the past year, against $0.35 in late 2024.
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 PAYO on sales, with stronger typical year-over-year growth.
| 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 PAYO on profitability, with a higher operating margin.
PAYO Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $276.9M | +2.2% |
| Q2 2026 | $274.3M | +5.2% |
| Q1 2026 | $261.6M | +6.1% |
| Q4 2025 | $274.7M | +4.9% |
| Q3 2025 | $270.9M | +9.1% |
| Q2 2025 | $260.6M | +8.8% |
| Q1 2025 | $246.6M | +8.1% |
| Q4 2024 | $261.7M | +17% |
PAYO's revenue has grown year over year every quarter since early 2021: $277M last quarter, up 2.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 9.1% | -4.4 points |
| Q2 2026 | 6.2% | -5.4 points |
| Q1 2026 | 11% | -0.4 points |
| Q4 2025 | 11% | -0.6 points |
| Q3 2025 | 13% | -0.7 points |
| Q2 2025 | 12% | -7.8 points |
| Q1 2025 | 12% | -4.9 points |
| Q4 2024 | 11% | -0.3 points |
PAYO's operating margin was 9.1% last quarter, down 4.4 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 has the edge over PAYO on cash flow, with more consistent year-over-year improvement.
PAYO Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $62.9M | +28% |
| Q2 2026 | $50.2M | -26% |
| Q1 2026 | $41.7M | -15% |
| Q4 2025 | $40.3M | -4.3% |
| Q3 2025 | $49.2M | +1.5% |
| Q2 2025 | $68.1M | +69% |
| Q1 2025 | $49M | +29% |
| Q4 2024 | $42.1M | -22% |
PAYO generated $195M in free cash flow over the past year, down 6.4% 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.
PAYO Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3.7% | +12.6M shares |
| 1 year | -7.3% | -27.6M shares |
| 3 years | -8.3% | -31.8M shares |
| 5 years | +3% | +10.3M shares |
| Available history | +3.5% | +11.7M shares |
PAYO has the edge over AAPL on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $146,000 |
| Q2 2026 | $17.7M |
| Q1 2026 | $75M |
| Q4 2025 | $78.6M |
| Q3 2025 | $45.3M |
| Q2 2025 | $32M |
| Q1 2025 | $17.8M |
| Q4 2024 | $17.1M |
PAYO spent $171M buying back its own shares over the past year, up 53% 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's net debt is less than a year of its operating earnings (EBITDA).
PAYO Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.0x | Net Cash |
| Q2 2026 | -1.8x | Net Cash |
| Q1 2026 | -1.7x | Net Cash |
| Q4 2025 | -2.2x | Net Cash |
| Q3 2025 | -2.6x | Net Cash |
| Q2 2025 | -2.8x | Net Cash |
| Q1 2025 | -2.7x | Net Cash |
| Q4 2024 | -2.5x | Net Cash |
PAYO has the edge over AAPL on leverage, with a lower net debt burden relative to earnings.
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).
PAYO Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 65.0 | Neutral |
| Stochastic | 73.8 | Neutral |
PAYO's weekly RSI is 65 (neutral) and its Stochastic is 74 (neutral).
AAPL PE vs Technology Sector
| Metric | AAPL | Sector median | Relative |
|---|---|---|---|
| PE | 40x | 28x | 42% above |
| PE % | 96 | 35 | 61 pts above |
AAPL has the edge over PAYO on valuation relative to its sector.
PAYO PE vs Technology Sector
| Metric | PAYO | Sector median | Relative |
|---|---|---|---|
| PE | 51x | 28x | 84% above |
| PE % | 86 | 38 | 48 pts above |
PAYO is trading at 51x earnings, a 84% premium to the Technology sector's median of 28x.
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.
PAYO Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $7.15 | 0.4% above |
| 20 week MA | $7.13 | 0.7% above |
| 50 week MA | $6.11 | 18% above |
| 100 week MA | $6.72 | 6.8% above |
| 200 week MA | $6.36 | 13% above |
PAYO is in an uptrend: it's above all five of its weekly moving averages, and 13% 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 PAYO on returns for 2026, with the stronger performance.
PAYO Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.68 | $10.3 | +6.1% |
| 2021 | $10.3 | $6.89 | -33% |
| 2022 | $6.89 | $5.08 | -26% |
| 2023 | $5.08 | $5.21 | +2.6% |
| 2024 | $5.21 | $10.0 | +92% |
| 2025 | $10.0 | $5.71 | -43% |
| 2026 YTD | $5.71 | $7.18 | +26% |
PAYO has finished lower in three of the last six years. It's up 26% so far in 2026.