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AAPL vs RELY

AAPL
Apple Inc.
NEUTRAL
Price
$258.90
Market Cap
$3.81T
Sector
Technology
AI Confidence
85%
RELY
Remitly Global, Inc.
NEUTRAL
Price
$20.01
Market Cap
$4.22B
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
AAPL
32.77
RELY
64.55
Forward P/E
AAPL
27.76
RELY
13.08
P/B Ratio
AAPL
43.16
RELY
4.85
P/S Ratio
AAPL
8.74
RELY
2.58
EV/EBITDA
AAPL
25.01
RELY
42.45

Profitability

Gross Margin
AAPL
47.33%
RELY
60.2%
Operating Margin
AAPL
35.37%
RELY
8.78%
Profit Margin
AAPL
27.04%
RELY
4.15%
ROE
AAPL
152.02%
RELY
8.86%
ROA
AAPL
24.38%
RELY
3.92%

Growth

Revenue Growth
AAPL
15.7%
RELY
25.7%
Earnings Growth
AAPL
18.3%
RELY
--

Financial Health

Debt/Equity
AAPL
1.03
RELY
0.22
Current Ratio
AAPL
0.97
RELY
3.3
Quick Ratio
AAPL
0.84
RELY
2.13

Dividends

Dividend Yield
AAPL
0.4%
RELY
--
Payout Ratio
AAPL
13.04%
RELY
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
RELY NEUTRAL

RELY exhibits strong fundamental health with a Piotroski F-Score of 7/9 and a robust liquidity profile (Current Ratio 3.30). While the company is successfully transitioning to profitability with explosive YoY EPS growth and consistent earnings beats, it trades at a significant premium to its Graham Number ($5.36) and Intrinsic Value ($2.17). This valuation gap is partially mitigated by a low Forward P/E of 13.08, suggesting high expected earnings growth. However, aggressive insider selling totaling $195.56M creates a significant headwind that offsets the bullish analyst consensus.

Strengths
Strong Piotroski F-Score (7/9) indicating improving financial health
Very low leverage with a Debt/Equity ratio of 0.22
Excellent short-term liquidity (Current Ratio 3.30, Quick Ratio 2.13)
Risks
Extreme valuation premium over Graham and Intrinsic value baselines
Heavy insider liquidation ($195.56M sold in last 6 months)
Low net profit margins (4.16%) leaving little room for operational error

Compare Another Pair

AAPL vs RELY: Head-to-Head Comparison

This page compares Apple Inc. (AAPL) and Remitly Global, Inc. (RELY) 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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