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AAPL vs ACIW

AAPL
Apple Inc.
BULLISH
Price
$253.79
Market Cap
$3.73T
Sector
Technology
AI Confidence
70%
ACIW
ACI Worldwide, Inc.
BEARISH
Price
$39.77
Market Cap
$4.1B
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
AAPL
32.17
ACIW
18.41
Forward P/E
AAPL
27.24
ACIW
10.5
P/B Ratio
AAPL
42.31
ACIW
2.69
P/S Ratio
AAPL
8.56
ACIW
2.33
EV/EBITDA
AAPL
24.52
ACIW
12.65

Profitability

Gross Margin
AAPL
47.33%
ACIW
48.99%
Operating Margin
AAPL
35.37%
ACIW
23.14%
Profit Margin
AAPL
27.04%
ACIW
12.88%
ROE
AAPL
152.02%
ACIW
15.4%
ROA
AAPL
24.38%
ACIW
6.91%

Growth

Revenue Growth
AAPL
15.7%
ACIW
6.3%
Earnings Growth
AAPL
18.3%
ACIW
-33.3%

Financial Health

Debt/Equity
AAPL
1.03
ACIW
0.57
Current Ratio
AAPL
0.97
ACIW
1.54
Quick Ratio
AAPL
0.84
ACIW
0.91

Dividends

Dividend Yield
AAPL
0.42%
ACIW
--
Payout Ratio
AAPL
13.04%
ACIW
0.0%

AI Verdict

AAPL BULLISH

AAPL shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (27.0% margin)
Strong revenue growth of 15.7%
Strong ROE of 152.0%
Risks
High valuation with P/E of 32.2
Premium vs Graham Number ($32.63)
ACIW BEARISH

ACIW's Piotroski F-Score of 4/9 indicates weak financial health, signaling deterioration in operational efficiency and profitability trends. The company trades at a premium to its Graham Number ($26.81) and intrinsic value ($15.12), suggesting overvaluation despite solid gross margins and ROE. Recent earnings have declined sharply year-over-year (-33.3%) and quarter-over-quarter (-34.7%), with a negative EPS trend and inconsistent beat rates. Insider selling activity, though limited, adds bearish sentiment. Despite strong analyst consensus (strong_buy), technical trends remain bearish and price has underperformed over the past year.

Strengths
Strong gross margin of 48.99% indicates pricing power and cost control
Healthy operating margin of 23.14% reflects efficient core operations
ROE of 15.40% demonstrates effective use of shareholder equity
Risks
Piotroski F-Score of 4/9 signals weak financial health and declining profitability trends
Sharp earnings decline of -33.3% YoY and -34.7% Q/Q raises sustainability concerns
Insider selling activity (1 transaction, $0.20M) indicates potential internal skepticism

Compare Another Pair

AAPL vs ACIW: Head-to-Head Comparison

This page compares Apple Inc. (AAPL) and ACI Worldwide, Inc. (ACIW) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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