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APPF vs MSFT

APPF
AppFolio, Inc.
BEARISH
Price
$172.50
Market Cap
$6.21B
Sector
Technology
AI Confidence
85%
MSFT
Microsoft Corporation
BULLISH
Price
$370.17
Market Cap
$2.75T
Sector
Technology
AI Confidence
40%

Valuation

P/E Ratio
APPF
44.46
MSFT
23.18
Forward P/E
APPF
21.68
MSFT
19.64
P/B Ratio
APPF
11.44
MSFT
7.04
P/S Ratio
APPF
6.53
MSFT
9.01
EV/EBITDA
APPF
35.82
MSFT
15.88

Profitability

Gross Margin
APPF
63.68%
MSFT
68.59%
Operating Margin
APPF
17.56%
MSFT
47.09%
Profit Margin
APPF
14.82%
MSFT
39.04%
ROE
APPF
26.54%
MSFT
34.39%
ROA
APPF
14.53%
MSFT
14.86%

Growth

Revenue Growth
APPF
21.9%
MSFT
16.7%
Earnings Growth
APPF
-60.6%
MSFT
59.8%

Financial Health

Debt/Equity
APPF
0.07
MSFT
0.32
Current Ratio
APPF
3.31
MSFT
1.39
Quick Ratio
APPF
2.95
MSFT
1.24

Dividends

Dividend Yield
APPF
--
MSFT
1.01%
Payout Ratio
APPF
0.0%
MSFT
21.28%

AI Verdict

APPF BEARISH

AppFolio, Inc. exhibits strong deterministic health with a Piotroski F-Score of 7/9, indicating solid operational efficiency and financial stability, though the absence of an Altman Z-Score prevents definitive assessment of bankruptcy risk. The company trades at a premium valuation with a current price of $172.50, significantly above both the Graham Number ($36.28) and Intrinsic Value ($27.16), reflecting high growth expectations. Despite robust gross margins (63.68%) and strong profitability (ROE 26.54%), the recent earnings collapse—down 60.6% YoY and -61.1% Q/Q—undermines confidence. Insider selling totaling $2.33M over six months and a bearish technical trend further signal caution, despite a resilient revenue growth rate of 21.9% YoY.

Strengths
Piotroski F-Score of 7/9 indicates strong financial health and operational efficiency
High gross margin (63.68%) and solid operating margin (17.56%) reflect pricing power and cost control
Low debt/equity (0.07) and high current/quick ratios (3.31, 2.95) signal strong liquidity and minimal leverage risk
Risks
Earnings declined sharply by 60.6% YoY and -61.1% Q/Q, indicating potential business model stress or one-time charges
Insider selling of $2.33M in last 6 months (4 transactions) with no buys, signaling potential internal skepticism
Current price ($172.50) is vastly above both Graham Number ($36.28) and Intrinsic Value ($27.16), implying extreme valuation premium
MSFT BULLISH

MSFT shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 7/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (39.0% margin)
Strong financial trend (Piotroski F-Score: 7/9)
Strong revenue growth of 16.7%
Risks
Premium vs Graham Number ($137.5)

Compare Another Pair

APPF vs MSFT: Head-to-Head Comparison

This page compares AppFolio, Inc. (APPF) and Microsoft Corporation (MSFT) 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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