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AAPL vs PAR

AAPL
Apple Inc.
NEUTRAL
Price
$270.17
Market Cap
$3.97T
Sector
Technology
AI Confidence
85%
PAR
PAR Technology Corporation
BEARISH
Price
$13.44
Market Cap
$554.3M
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
AAPL
34.2
PAR
--
Forward P/E
AAPL
28.85
PAR
11.97
P/B Ratio
AAPL
45.04
PAR
0.66
P/S Ratio
AAPL
9.11
PAR
1.22
EV/EBITDA
AAPL
26.09
PAR
-21.86

Profitability

Gross Margin
AAPL
47.33%
PAR
44.25%
Operating Margin
AAPL
35.37%
PAR
-11.0%
Profit Margin
AAPL
27.04%
PAR
-18.54%
ROE
AAPL
152.02%
PAR
-9.98%
ROA
AAPL
24.38%
PAR
-2.63%

Growth

Revenue Growth
AAPL
15.7%
PAR
14.4%
Earnings Growth
AAPL
18.3%
PAR
--

Financial Health

Debt/Equity
AAPL
1.03
PAR
0.49
Current Ratio
AAPL
0.97
PAR
1.66
Quick Ratio
AAPL
0.84
PAR
1.17

Dividends

Dividend Yield
AAPL
0.38%
PAR
--
Payout Ratio
AAPL
13.04%
PAR
0.0%

AI Verdict

AAPL NEUTRAL

AAPL exhibits a stable financial foundation with a Piotroski F-Score of 6/9, though it currently trades at a significant premium to both its Graham Number ($32.65) and growth-based Intrinsic Value ($233.05). While profitability metrics are exceptional—highlighted by a massive 152.02% ROE—the valuation is stretched with a PEG ratio of 2.43 and a high P/B of 45.04. Strong YoY revenue and earnings growth (15-18%) provide a bullish fundamental backdrop, but this is countered by bearish insider sentiment and a weak technical trend (10/100). The stock is a high-quality compounder currently lacking a margin of safety.

Strengths
Exceptional profitability with 152.02% ROE and 35.37% operating margin
Consistent earnings track record with 3/4 recent beats and long-term positive surprises
Robust growth profile with 15.7% YoY revenue growth and 18.3% earnings growth
Risks
Significant valuation premium over intrinsic value ($270.17 vs $233.05)
Bearish insider activity including sales by the CEO and CFO
Weak technical trend (10/100) suggesting short-term momentum loss
PAR BEARISH

PAR Technology exhibits severe financial fragility, highlighted by a critical Piotroski F-Score of 1/9, indicating poor operational health. Despite a recent transition toward positive quarterly EPS and a low Price-to-Book ratio (0.66), the stock is in a catastrophic technical downtrend, losing 77% of its value over the last year. Bearish insider activity from the CEO and CFO, combined with a history of negative profit margins, outweighs the optimistic analyst target price of $35.00.

Strengths
Positive shift in recent quarterly EPS (Actuals of $0.06 and $0.03)
Healthy Gross Margin of 44.25%
Steady Revenue Growth of 14.40% YoY
Risks
Critical financial health failure (Piotroski F-Score 1/9)
Severe price collapse (-77% 1Y change, -61.4% 6M change)
Bearish insider sentiment with significant selling by CEO and CFO

Compare Another Pair

AAPL vs PAR: Head-to-Head Comparison

This page compares Apple Inc. (AAPL) and PAR Technology Corporation (PAR) 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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