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AAPL vs BLKB

AAPL
Apple Inc.
NEUTRAL
Price
$258.90
Market Cap
$3.81T
Sector
Technology
AI Confidence
85%
BLKB
Blackbaud, Inc.
BEARISH
Price
$56.34
Market Cap
$2.73B
Sector
Technology
AI Confidence
78%

Valuation

P/E Ratio
AAPL
32.77
BLKB
--
Forward P/E
AAPL
27.76
BLKB
11.57
P/B Ratio
AAPL
43.16
BLKB
24.6
P/S Ratio
AAPL
8.74
BLKB
2.41
EV/EBITDA
AAPL
25.01
BLKB
12.37

Profitability

Gross Margin
AAPL
47.33%
BLKB
58.24%
Operating Margin
AAPL
35.37%
BLKB
19.62%
Profit Margin
AAPL
27.04%
BLKB
-22.16%
ROE
AAPL
152.02%
BLKB
-77.16%
ROA
AAPL
24.38%
BLKB
6.68%

Growth

Revenue Growth
AAPL
15.7%
BLKB
-1.9%
Earnings Growth
AAPL
18.3%
BLKB
180.0%

Financial Health

Debt/Equity
AAPL
1.03
BLKB
9.93
Current Ratio
AAPL
0.97
BLKB
0.69
Quick Ratio
AAPL
0.84
BLKB
0.13

Dividends

Dividend Yield
AAPL
0.4%
BLKB
--
Payout Ratio
AAPL
13.04%
BLKB
0.0%

AI Verdict

AAPL NEUTRAL

Apple exhibits a stable financial foundation with a Piotroski F-Score of 6/9, though it currently trades at a significant premium to its intrinsic value of $233.05 and Graham Number of $32.65. While the company demonstrates elite profitability with an ROE of 152.02% and a consistent track record of earnings beats over 25 quarters, valuation metrics are stretched with a PEG ratio of 2.27. The outlook is tempered by bearish insider activity from the CEO and CFO, alongside a technical trend score of 0/100, suggesting a period of consolidation or correction despite strong fundamental growth.

Strengths
Exceptional Return on Equity (ROE) of 152.02%
Consistent earnings beat record over 25 consecutive quarters
Strong profitability margins (Operating Margin: 35.37%, Gross Margin: 47.33%)
Risks
Significant overvaluation relative to defensive fair value (Graham Number)
Bearish insider sentiment with selling from the CEO and CFO
High PEG ratio (2.27) indicating price is outstripping growth
BLKB BEARISH

The deterministic health scores paint a concerning picture, with a Piotroski F-Score of 4/9 indicating marginal financial stability and no Altman Z-Score available to confirm safety from distress. Despite strong operating margins and recent earnings beats, the company is unprofitable overall (negative net margin and ROE), carries an extremely high debt/equity ratio of 9.93, and shows weak liquidity. Valuation multiples like a Price/Book of 24.60 appear stretched against poor profitability, while insider selling and declining revenue further undermine confidence. The stock trades below analyst targets but faces significant structural and financial headwinds.

Strengths
Strong operating margin of 19.62% indicates pricing power or cost control at the operational level
High gross margin of 58.24% reflects scalable software business model
Recent quarterly earnings have consistently beaten estimates, with 3 out of last 4 quarters above expectations
Risks
Piotroski F-Score of 4/9 indicates weak financial health, particularly in profitability and leverage
Extremely high Debt/Equity ratio of 9.93 raises serious concerns about solvency and financial flexibility
Negative profit margin (-22.16%) and ROE (-77.16%) show the company is not converting equity into profits

Compare Another Pair

AAPL vs BLKB: Head-to-Head Comparison

This page compares Apple Inc. (AAPL) and Blackbaud, Inc. (BLKB) 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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