AAPL Apple Inc. - Fundamental Analysis
NEUTRAL
AAPL Stock | Fundamental Analysis & Investment Insights
NASDAQ
•
Technology
•
Consumer Electronics
Current Price
$278.28
Analyst Target
$286.58
+3.0% Upside
52W High
$288.62
52W Low
$169.21
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Dec 13, 2025
Market cap
$4.13T
P/E
37.3
ROE
171.4%
Profit margin
26.9%
Debt/Equity
1.52
Dividend yield
0.37%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
78%
Analysis Accuracy
The Advanced Deterministic Scorecard shows a mixed financial health profile with a Piotroski F-Score of 5/9 (indicating stable but not strong fundamentals) and an extraordinarily high Altman Z-Score (>5.8 trillion), signaling negligible bankruptcy risk. Apple demonstrates robust profitability, including a 31.65% operating margin and 171.42% ROE, while trading at a premium valuation (P/E of 37.30 vs. sector average of 114.29) despite solid 7.9% revenue growth and explosive 91.2% YoY earnings growth. Insider selling activity is a notable concern, with $87.26M in net sales over the past six months, contrasting with a 'buy' analyst consensus and a target price of $286.58. The stock trades well above the Graham Number ($28.94), but closer to the growth-adjusted intrinsic value of $220.07, suggesting the premium is partially justified by strong earnings momentum and market leadership.
Key Strengths
Exceptionally high Altman Z-Score indicates virtually no risk of financial distress
Outstanding profitability metrics: 26.92% profit margin, 31.65% operating margin, and 171.42% ROE
Strong earnings growth: 91.2% YoY and 86.4% Q/Q, with consistent EPS beat history (3 out of last 4 quarters)
Massive market cap of $4.13 trillion reflects dominant scale and ecosystem strength
Low payout ratio of 13.67% provides significant dividend sustainability and flexibility for buybacks
Key Risks
Piotroski F-Score of 5 suggests only moderate financial health, not strong enough to signal robust operational improvement
Current Ratio of 0.89 and Quick Ratio of 0.77 indicate potential short-term liquidity pressure
Debt/Equity ratio of 1.52 is elevated, especially compared to peers like MSFT (0.33) and NVDA (0.11)
Insider selling trend: $87.26M in sales over 6 months with no buys, signaling caution from executives
Valuation premium: P/E of 37.30 and Price/Book of 55.76 are high relative to historical norms and intrinsic benchmarks
AI Fair Value Estimate
Based on comprehensive analysis
$220.07
-20.9% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
62
Strong
52
76
70
68
45
AI Verdict
Moderately positive with valuation and insider concerns offsetting strong profitability and growth
Key drivers: High ROE and earnings growth, Premium valuation metrics, Bearish insider activity, Stable but not strong Piotroski score, Exceptional Altman Z-Score
Confidence
82%
Value
52/100
Ref P/E, PEG, Graham Number
Positives
- Trading below forward P/E of 30.53, which is lower than current P/E of 37.30
- Below sector average P/E of 114.29
Watchpoints
- Current price ($278.28) is significantly above Graham Number ($28.94)
- P/E of 37.30 is high for a mature tech company
- Price/Book of 55.76 indicates extreme premium to book value
Future
76/100
Ref Growth rates
Positives
- 91.2% YoY earnings growth
- 86.4% Q/Q earnings growth
- Consistent quarterly earnings beats (average surprise of 5.15% over last 4 quarters)
Watchpoints
- Revenue growth of 7.9% is modest compared to sector average of 19.4%
- PEG Ratio unavailable, limiting growth-adjusted valuation insight
Past
70/100
Ref Historical trends
Positives
- 13 out of last 14 quarters beat EPS estimates
- Long-term 5Y return of +134.7% outperforms market
- History of strong earnings surprises, including +42.2% in Q2 2021
Watchpoints
- One recent earnings miss in Q2 2023 (-3.8%)
- 1Y price return of +12.7% lags behind peers like NVDA (+29.6%)
Health
68/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Altman Z-Score >5.8 trillion indicates extreme financial stability
- ROA of 22.96% is well above healthy threshold
Watchpoints
- Piotroski F-Score of 5 is only stable, not strong
- Current Ratio (0.89) and Quick Ratio (0.77) below 1.0 signal liquidity risk
- Debt/Equity of 1.52 is high for the sector
Dividend
45/100
Ref Yield, Payout
Positives
- Low payout ratio of 13.67% ensures sustainability
- Dividend has been consistently paid and increased over time
Watchpoints
- Dividend yield of 0.37% is very low
- Dividend Strength score of 25/100 indicates weak income appeal
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$278.28
Analyst Target
$286.58
Upside/Downside
+3.0%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AAPL and closest competitors.
Updated 2025-12-12
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AAPL
Apple Inc.
Primary
|
+134.7% | +94.2% | +12.7% | +42.0% | +1.8% | -0.2% |
|
MSFT
Microsoft Corporation
Peer
|
+144.9% | +116.1% | +20.4% | +12.5% | -0.6% | +2.7% |
|
NVDA
NVIDIA Corporation
Peer
|
+1311.4% | +1042.4% | +29.6% | +40.5% | +5.8% | +1.1% |
|
ORCL
Oracle Corporation
Peer
|
+318.1% | +192.1% | +20.3% | +39.4% | -26.6% | -6.9% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
37.3
Forward P/E
30.53
PEG Ratio
N/A
P/B Ratio
55.76
P/S Ratio
9.92
EV/Revenue
10.02
EV/EBITDA
28.81
Market Cap
$4.13T
Profitability
Profit margins and return metrics
Profit Margin
26.91%
Operating Margin
31.65%
Gross Margin
46.91%
ROE
171.42%
ROA
22.96%
Growth
Revenue and earnings growth rates
Revenue Growth
+7.9%
Earnings Growth
+91.2%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+86.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
1.52
High debt
Current Ratio
0.89
Weak
Quick Ratio
0.77
Poor
Cash/Share
$3.7
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-29
$N/A
2025-10-30
$1.85
+4.5% surprise
2025-07-31
$1.57
+9.5% surprise
2025-05-01
$1.65
+1.5% surprise
Technology Sector Comparison
Comparing AAPL against 38 companies in the Technology sector
(13 bullish, 18 neutral, 1 bearish)
P/E Ratio
37.3
This Stock
vs
114.31
Sector Avg
-67.4%
(Discount)
Return on Equity (ROE)
171.42%
This Stock
vs
25.54%
Sector Avg
+571.2%
(Excellent)
Profit Margin
26.91%
This Stock
vs
17.79%
Sector Avg
+51.3%
(Superior)
Debt to Equity
1.52
This Stock
vs
0.78
Sector Avg
+95.5%
(Higher)
Revenue Growth
7.9%
This Stock
vs
19.4%
Sector Avg
-59.3%
(Slower)
Current Ratio
0.89
This Stock
vs
1.97
Sector Avg
-54.8%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AAPL
Apple Inc.
|
NEUTRAL | $4.13T | 37.3 | 171.4% | 26.9% | $278.28 | |
|
MSFT
Microsoft Corporation
|
BULLISH | $3.79T | 36.23 | 32.2% | 35.7% | $510.18 | |
|
NVDA
NVIDIA Corporation
|
BULLISH | $4.63T | 54.03 | 109.4% | 52.4% | $190.17 | |
|
AVGO
Broadcom Inc.
|
NEUTRAL | $1.68T | 90.85 | 27.1% | 31.6% | $355.22 | |
|
ORCL
Oracle Corporation
|
NEUTRAL | $635.3B | 51.59 | 69.2% | 21.1% | $222.85 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-11-12 | ADAMS KATHERINE L | General Counsel | Gift | 3,750 | - |
| 2025-11-07 | KONDO CHRISTOPHER | Officer | Sale | 3,752 | $1,017,655 |
| 2025-10-16 | PAREKH KEVAN | Chief Financial Officer | Sale | 4,199 | $1,038,787 |
| 2025-10-15 | PAREKH KEVAN | Chief Financial Officer | Stock Award | 16,457 | - |
| 2025-10-15 | KONDO CHRISTOPHER | Officer | Stock Award | 7,371 | - |
| 2025-10-02 | ADAMS KATHERINE L | General Counsel | Sale | 47,125 | $12,101,154 |
| 2025-10-02 | COOK TIMOTHY D | Chief Executive Officer | Sale | 129,963 | $33,375,723 |
| 2025-10-02 | O'BRIEN DEIRDRE | Officer | Sale | 43,013 | $11,071,078 |
| 2025-10-01 | COOK TIMOTHY D | Chief Executive Officer | Stock Award | 277,206 | - |
| 2025-10-01 | O'BRIEN DEIRDRE | Officer | Stock Award | 92,403 | - |
| 2025-10-01 | KHAN SABIH | Chief Operating Officer | Stock Award | 92,403 | - |
| 2025-10-01 | ADAMS KATHERINE L | General Counsel | Stock Award | 92,403 | - |
| 2025-08-28 | LEVINSON ARTHUR D | Director | Sale | 90,000 | $20,886,300 |
| 2025-08-25 | KONDO CHRISTOPHER | Officer | Gift | 435 | - |
| 2025-08-08 | O'BRIEN DEIRDRE | Officer | Sale | 34,821 | $7,772,047 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
41 analysts
Citigroup
2025-12-09
Buy
Buy
Evercore ISI Group
2025-12-08
Outperform
Outperform
Wedbush
2025-12-08
Outperform
Outperform
CLSA
2025-12-05
Outperform
Outperform
Loop Capital
2025-12-02
Buy
Buy
Rosenblatt
2025-11-04
Neutral
Neutral
Wells Fargo
2025-10-31
Overweight
Overweight
Barclays
2025-10-31
Underweight
Underweight
Citigroup
2025-10-31
Buy
Buy
JP Morgan
2025-10-31
Overweight
Overweight