AAPL
Apple Inc.
AAPL has slightly lower modeled downside risk, despite its lower overall score.
RELY
Remitly Global, Inc.
RELY 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.
RELY Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Strong | |
| Healthy |
RELY's revenue, profitability, cash flow and balance sheet are all currently healthy.
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.
RELY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 14x | $22.79 | — |
| Cheap | 19x | $30.73 | +35% |
| Forward | 23x | $22.79 | — |
| Fair | 54x | $89.46 | +293% |
| Expensive | 258x | $425 | +1765% |
Historical ranges are pointers, not guarantees.
RELY 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.
RELY Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for RELY, with profitability improving.
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.
RELY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.00 | -39% |
| Q3 2026 | $1.65 | +1733% |
| Q2 2026 | $1.39 | +2217% |
| Q1 2026 | $0.49 | +$0.52 |
| Q4 2025 | $0.31 | +$0.50 |
| Q3 2025 | $0.09 | +$0.43 |
| Q2 2025 | $0.06 | +$0.61 |
| Q1 2025 | -$0.03 | +$0.57 |
| Q4 2024 | -$0.19 | +$0.46 |
RELY has the edge over AAPL on earnings, with more consistent year-over-year improvement.
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 RELY on profitability, with a higher operating margin.
RELY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $509.8M | +22% |
| Q2 2026 | $495.2M | +20% |
| Q1 2026 | $452.8M | +25% |
| Q4 2025 | $442.2M | +26% |
| Q3 2025 | $419.5M | +25% |
| Q2 2025 | $411.9M | +34% |
| Q1 2025 | $361.6M | +34% |
| Q4 2024 | $351.9M | +33% |
RELY has the edge over AAPL on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 14% | +11 points |
| Q2 2026 | 13% | +9.9 points |
| Q1 2026 | 12% | +8.5 points |
| Q4 2025 | 8.8% | +9.8 points |
| Q3 2025 | 2.8% | +2.7 points |
| Q2 2025 | 3.6% | +8.7 points |
| Q1 2025 | 3.4% | +11 points |
| Q4 2024 | -1.1% | +11 points |
RELY's operating margin was 14% last quarter, up 11 points from the same quarter a year ago, near the top of its range since 2017.
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.
RELY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $91.6M | +1788% |
| Q2 2026 | $133.4M | +367% |
| Q1 2026 | $75.9M | -36% |
| Q4 2025 | $143.3M | +171% |
| Q3 2025 | $4.9M | -97% |
| Q2 2025 | $28.6M | -40% |
| Q1 2025 | $118.9M | +$176.7M |
| Q4 2024 | $52.8M | +$87.9M |
RELY generated $444M in free cash flow over the past year, up 116% 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 the edge over RELY on shareholder dilution, with a more favorable share count trend.
| 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.
RELY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.1% | +2.5M shares |
| 1 year | +2.9% | +6.3M shares |
| 3 years | +22% | +41M shares |
| 5 years | +38% | +62.1M shares |
| Available history | +672% | +195M shares |
RELY has 224M diluted shares, up 2.9% from a year ago, despite $92M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $14.8M |
| Q2 2026 | $22.7M |
| Q1 2026 | $42.5M |
| Q4 2025 | $12M |
| Q2 2021 | — |
| Q1 2021 | — |
| Q4 2020 | — |
| Q3 2020 | — |
RELY spent $92M buying back its own shares over the past year.
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).
RELY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.6x | Net Cash |
| Q2 2026 | -3.4x | Net Cash |
| Q1 2026 | -4.5x | Net Cash |
| Q4 2025 | -3.8x | Net Cash |
| Q3 2025 | -8.1x | Net Cash |
| Q2 2025 | -11.2x | Net Cash |
| Q1 2025 | -38.2x | Net Cash |
RELY 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).
RELY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.0 | Neutral |
| Stochastic | 43.3 | Neutral |
RELY's weekly RSI is 51 (neutral) and its Stochastic is 43 (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.
RELY PE vs Technology Sector
| Metric | RELY | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 28x | 50% below |
| PE % | 2 | 45 | 43 pts below |
RELY 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 RELY on trend strength, trading above more of its moving averages.
RELY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $23.2 | 1.7% below |
| 20 week MA | $23.8 | 4.3% below |
| 50 week MA | $19.8 | 15% above |
| 100 week MA | $19.7 | 16% above |
| 200 week MA | $18.8 | 21% above |
RELY has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 21% 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.
RELY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $44.1 | $21.6 | -51% |
| 2022 | $21.6 | $9.64 | -55% |
| 2023 | $9.64 | $19.4 | +101% |
| 2024 | $19.4 | $22.8 | +17% |
| 2025 | $22.8 | $14.2 | -38% |
| 2026 YTD | $14.2 | $22.8 | +60% |
RELY has the edge over AAPL on returns for 2026, with the stronger performance.