AAPL vs ADP Stock Comparison

Scores Breakdown

Metric	AAPL	ADP
📈 Growth	22/30	26/30
💰 Profitability	14/20	18/20
🏦 Financial Health	18/20	12/20
💵 Valuation	15/20	14/20
⚠️ Risk (lower is better)	6/10	6/10
Overall Score	73/100	74/100

Side-by-Side Summaries

AAPL Analysis	ADP Analysis
📈 Growth & Financial Trajectory Over 8 quarters Apple progressed from Revenues of $94.93B in 2024Q4 to $109.42B in 2026Q3, with a notable mid-period spike to $143.76B in 2025Q3. Net income rose from $14.74B to $29.79B, signaling solid earnings growth despite volatility in quarterly mix. The sequence ends with higher absolute revenue and sustained profitability versus the start, though the pace is uneven. 💰 Margins & Cash Flow Gross margin fluctuated: early quarters near the 60%+ range, dipping to the mid-40s–50s during 2025Q3, then stabilizing around the low- to mid-50% range in 2026. Operating margin followed suit, with positive cash flow from operations in most quarters and generally positive free cash flow despite variable investing cash flow. Net cash from operating activities remained positive across the window; financing cash flows were typically negative. 🛡️ Balance Sheet & Liquidity Assets stay robust at roughly $330B–$379B, with liabilities around $264B–$291B and equity in the $56B–$88B range, indicating a solid balance sheet. Current assets exceed current liabilities in most periods, supporting liquidity, while long-term debt remains modest relative to earnings power. ⚠️ Key Drivers & Risks Drivers: iPhone and Services acceleration; broad ecosystem and high-margin software/services expansion. Risks: demand cyclicality and competitive/margin pressure; regulatory/valuation sensitivity to hardware cycles.	📈 Growth & Financial Trajectory Over the 8 quarters, revenues rose from about $4.77B (2024 Q4) to about $5.36B (2026 Q4). Net income progressed from roughly $0.83B to $1.06B, a 28% increase, signaling earnings leverage as the top line expanded. The quarterly path fluctuated—peaking near $5.55B in 2025 Q3/Q4 before settling in the $5.2–$5.36B range—yet the trend remains clearly positive. The Gross Margin held in the high-40s to mid-50s, while Operating Margin stayed in the low- to mid-20s, underpinning a solid profitability trajectory. 💰 Margins & Cash Flow Gross Margin: roughly 46–56% across periods, with a peak around 56%. Operating Margin: generally 20–24%, supporting meaningful operating leverage. Net cash flow from operating activities was consistently positive in most quarters, while investing cash flow was mostly modestly negative and financing activity contributed steady liquidity. 🛡️ Balance Sheet & Liquidity Current assets ($52B) vs current liabilities ($50B) yields a tight but adequate liquidity cushion. Liabilities ($57B) exceed equity ($6B), indicating leverage, but assets and ongoing operating cash flows provide resilience. The balance sheet remains stable with a solid asset base. ⚠️ Key Drivers & Risks Drivers: Recurring payroll/data-processing demand; large installed base and stable cash flows. Risks: Valuation sensitivity to growth momentum; exposure to regulatory shifts or macro cycles.

AAPL Analysis

ADP Analysis

📈 Growth & Financial Trajectory

Over 8 quarters Apple progressed from Revenues of $94.93B in 2024Q4 to $109.42B in 2026Q3, with a notable mid-period spike to $143.76B in 2025Q3. Net income rose from $14.74B to $29.79B, signaling solid earnings growth despite volatility in quarterly mix. The sequence ends with higher absolute revenue and sustained profitability versus the start, though the pace is uneven.

💰 Margins & Cash Flow

Gross margin fluctuated: early quarters near the 60%+ range, dipping to the mid-40s–50s during 2025Q3, then stabilizing around the low- to mid-50% range in 2026. Operating margin followed suit, with positive cash flow from operations in most quarters and generally positive free cash flow despite variable investing cash flow. Net cash from operating activities remained positive across the window; financing cash flows were typically negative.

🛡️ Balance Sheet & Liquidity

Assets stay robust at roughly $330B–$379B, with liabilities around $264B–$291B and equity in the $56B–$88B range, indicating a solid balance sheet. Current assets exceed current liabilities in most periods, supporting liquidity, while long-term debt remains modest relative to earnings power.

⚠️ Key Drivers & Risks

Drivers: iPhone and Services acceleration; broad ecosystem and high-margin software/services expansion.
Risks: demand cyclicality and competitive/margin pressure; regulatory/valuation sensitivity to hardware cycles.

📈 Growth & Financial Trajectory

Over the 8 quarters, revenues rose from about $4.77B (2024 Q4) to about $5.36B (2026 Q4). Net income progressed from roughly $0.83B to $1.06B, a 28% increase, signaling earnings leverage as the top line expanded. The quarterly path fluctuated—peaking near $5.55B in 2025 Q3/Q4 before settling in the $5.2–$5.36B range—yet the trend remains clearly positive. The Gross Margin held in the high-40s to mid-50s, while Operating Margin stayed in the low- to mid-20s, underpinning a solid profitability trajectory.

💰 Margins & Cash Flow

Gross Margin: roughly 46–56% across periods, with a peak around 56%.
Operating Margin: generally 20–24%, supporting meaningful operating leverage.
Net cash flow from operating activities was consistently positive in most quarters, while investing cash flow was mostly modestly negative and financing activity contributed steady liquidity.

🛡️ Balance Sheet & Liquidity

Current assets ($52B) vs current liabilities ($50B) yields a tight but adequate liquidity cushion.
Liabilities ($57B) exceed equity ($6B), indicating leverage, but assets and ongoing operating cash flows provide resilience. The balance sheet remains stable with a solid asset base.

⚠️ Key Drivers & Risks

Drivers: Recurring payroll/data-processing demand; large installed base and stable cash flows.
Risks: Valuation sensitivity to growth momentum; exposure to regulatory shifts or macro cycles.

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AMZN Score: 80 BRK.B Score: 60 DIS Score: 76 GOOG Score: 80 GOOGL Score: 80 META Score: 76 MSFT Score: 86 NFLX Score: 75 NVDA Score: 78 TSLA Score: 64

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