AAPL
Apple Inc.
AAPL has the edge over RPAY overall, supported by lower modeled downside and stronger fundamentals.
RPAY
Repay Holdings Corporation
RPAY 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.
RPAY Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Stable | |
| Healthy | |
| Under pressure |
RPAY's revenue and cash flow are currently healthy, and its profitability is stable, but its balance sheet is under pressure.
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.
RPAY PE Valuation
RPAY has no meaningful PE right now: it lost money over the past year.
AAPL Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Weakening | |
| Moderate | |
| Moderate |
Analysts expect earnings and revenue growth for AAPL, but weaker profitability.
RPAY Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for RPAY, but weaker profitability.
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 stronger earnings trend. Trailing diluted EPS is up 20% for AAPL versus RPAY down 80%.
RPAY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.93 | +673% |
| Q4 2022 | $0.12 | +$0.72 |
| Q3 2022 | $0.00 | +$0.56 |
| Q2 2022 | -$0.12 | +$0.53 |
| Q1 2022 | -$0.27 | +$0.53 |
| Q4 2021 | -$0.60 | +$0.08 |
| Q3 2021 | -$0.56 | +$0.20 |
| Q2 2021 | -$0.65 | +$0.20 |
| Q1 2021 | -$0.80 | -$0.12 |
RPAY has returned to profit: it earned $0.12 per share over the past year, after losing money the year before.
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 RPAY 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 RPAY on profitability, with a higher operating margin.
RPAY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $153.4M | +97% |
| Q2 2026 | $100.7M | +33% |
| Q1 2026 | $80.8M | +4.5% |
| Q4 2025 | $78.6M | +0.4% |
| Q3 2025 | $77.7M | -1.8% |
| Q2 2025 | $75.6M | +1% |
| Q1 2025 | $77.3M | -4.2% |
| Q4 2024 | $78.3M | +3% |
RPAY's revenue has grown year over year for four quarters in a row: $153M last quarter, up 97% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 0.1% | +3.9 points |
| Q2 2026 | -3.2% | +136 points |
| Q1 2026 | 0% | +4.7 points |
| Q4 2025 | -182% | -181 points |
| Q3 2025 | -3.9% | -3 points |
| Q2 2025 | -139% | -134 points |
| Q1 2025 | -4.7% | -1.6 points |
| Q4 2024 | -1.5% | +102 points |
RPAY's operating margin was 0.1% last quarter, up 3.9 points from the same quarter a year ago, near the top of its range since 2019.
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 RPAY on cash flow, with more consistent year-over-year improvement.
RPAY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.2M | -71% |
| Q2 2026 | $38.1M | +15% |
| Q1 2026 | $16.7M | +609% |
| Q4 2025 | $23.2M | -32% |
| Q3 2025 | $32.1M | -46% |
| Q2 2025 | $33.1M | +8.7% |
| Q1 2025 | $2.4M | -90% |
| Q4 2024 | $34M | -3.3% |
RPAY still generates free cash flow, though less than at its 2024 peak: $87M 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 the edge over RPAY 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.
RPAY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.8% | -3.1M shares |
| 1 year | +25% | +21.8M shares |
RPAY has 110M diluted shares, up 25% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | $381,000 |
| Q3 2023 | $134,000 |
| Q2 2023 | $171,000 |
| Q1 2023 | $1.2M |
| Q4 2022 | $675,739 |
| Q3 2022 | $141,414 |
| Q2 2022 | $141,414 |
| Q1 2022 | $1.7M |
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).
RPAY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2025 | 3.6x | Elevated |
| Q4 2024 | 3.2x | Elevated |
| Q3 2024 | 17.3x | High |
| Q2 2024 | 18.6x | High |
| Q1 2024 | 34.9x | High |
| Q3 2023 | 5.9x | High |
| Q2 2023 | 6.5x | High |
| Q1 2023 | 7.2x | High |
RPAY's net debt is about 3.6 years of its operating earnings (EBITDA), down from more than 20 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).
RPAY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.8 | Neutral |
| Stochastic | 71.5 | Neutral |
RPAY's weekly RSI is 53 (neutral) and its Stochastic is 71 (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.
RPAY PE vs Technology Sector
RPAY has no meaningful PE right now: it lost money over the past year.
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 RPAY on trend strength, trading above more of its moving averages.
RPAY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $4.12 | 0.5% below |
| 20 week MA | $3.99 | 2.8% above |
| 50 week MA | $3.63 | 13% above |
| 100 week MA | $4.52 | 9.3% below |
| 200 week MA | $6.41 | 36% below |
RPAY's trend is mixed: it's above two of its five weekly moving averages, and 36% 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 RPAY on returns for 2026, with the stronger performance.
RPAY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.6 | $27.7 | +90% |
| 2021 | $27.7 | $18.4 | -34% |
| 2022 | $18.4 | $7.62 | -59% |
| 2023 | $7.62 | $8.54 | +12% |
| 2024 | $8.54 | $7.74 | -9.4% |
| 2025 | $7.74 | $3.71 | -52% |
| 2026 YTD | $3.71 | $4.10 | +11% |
RPAY has finished lower in four of the last six years. It's up 11% so far in 2026.