AAPL vs ADP Stock Comparison

Scores Breakdown

Metric	AAPL	ADP
📈 Growth	18/30	22/30
💰 Profitability	16/20	18/20
🏦 Financial Health	18/20	9/20
💵 Valuation	14/20	14/20
⚠️ Risk (lower is better)	4/10	6/10
Overall Score	72/100	67/100

Side-by-Side Summaries

AAPL Analysis	ADP Analysis
📈 Growth & Financial Trajectory Over eight quarters, Apple shows revenue volatility but an overall uptick: from approximately Revenues 94.93B in 2024 Q3 to about 111.18B in 2026 Q2, a gain of ~16B. Net income rose from about 21.45B to ~29.58B, though quarterly results swing with mid-cycle peaks (e.g., 2025 Q1) and pullbacks (2025 Q2) that temper a steady climb. 💰 Margins & Cash Flow Gross margin remains robust, typically in the high-40s percent range. Operating leverage is evident as operating income stays positive even when revenues pause. Cash flow shows resilience: Net Cash Flow From Operating Activities is generally positive across quarters, with seasonal peaks; investing cash outflows are typical, while financing activity cash flows vary by quarter. 🛡️ Balance Sheet & Liquidity Assets exceed liabilities by a wide margin, with sizable current assets and a strong equity base. Debt levels are manageable relative to cash generation, and the balance sheet demonstrates liquidity headroom to support ongoing capex and buybacks. ⚠️ Key Drivers & Risks Drivers: Premium hardware and Services expansion; margin resilience amid product cycles Risks: Valuation sensitivity to growth prospects; cyclicality and FX/macro headwinds	📈 Growth & Financial Trajectory Across eight quarters, ADP's revenue hovered around $5.25B–$5.56B, finishing at about $5.359B in the latest quarter, a modest gain from the start. Net income rose from roughly $956.3M to $1.062B, an ~11% increase. There was a mid-period dip in 2025 Q4, but the longer trajectory remains stable-to-up with solid profitability. 💰 Margins & Cash Flow Gross Margin fluctuated roughly 45%–52%, averaging around the mid-40s to high-40s. Operating Margin consistently around 23% in recent quarters. Net Margin near 19–20%. Operating cash flow remains solid around $1.0–$1.4B per quarter; net cash flow is affected by financing activity in some periods, with a large financing inflow in the latest quarter. 🛡️ Balance Sheet & Liquidity Total assets generally in the mid-to-high $50B range; liabilities near $50–$60B and equity around $4–$6B, yielding a modest liquidity buffer as current assets roughly equal current liabilities. Leverage is elevated but cash generation is steady. ⚠️ Key Drivers & Risks Drivers: Recurring payroll/data processing services; broad client base and scale advantages. Risks: Regulatory/macro shifts and reliance on financing activity in some periods, creating sensitivity to funding costs and leverage.

AAPL Analysis

ADP Analysis

📈 Growth & Financial Trajectory

Over eight quarters, Apple shows revenue volatility but an overall uptick: from approximately Revenues 94.93B in 2024 Q3 to about 111.18B in 2026 Q2, a gain of ~16B. Net income rose from about 21.45B to ~29.58B, though quarterly results swing with mid-cycle peaks (e.g., 2025 Q1) and pullbacks (2025 Q2) that temper a steady climb.

💰 Margins & Cash Flow

Gross margin remains robust, typically in the high-40s percent range. Operating leverage is evident as operating income stays positive even when revenues pause. Cash flow shows resilience: Net Cash Flow From Operating Activities is generally positive across quarters, with seasonal peaks; investing cash outflows are typical, while financing activity cash flows vary by quarter.

🛡️ Balance Sheet & Liquidity

Assets exceed liabilities by a wide margin, with sizable current assets and a strong equity base. Debt levels are manageable relative to cash generation, and the balance sheet demonstrates liquidity headroom to support ongoing capex and buybacks.

⚠️ Key Drivers & Risks

Drivers: Premium hardware and Services expansion; margin resilience amid product cycles
Risks: Valuation sensitivity to growth prospects; cyclicality and FX/macro headwinds

📈 Growth & Financial Trajectory

Across eight quarters, ADP's revenue hovered around $5.25B–$5.56B, finishing at about $5.359B in the latest quarter, a modest gain from the start. Net income rose from roughly $956.3M to $1.062B, an ~11% increase. There was a mid-period dip in 2025 Q4, but the longer trajectory remains stable-to-up with solid profitability.

💰 Margins & Cash Flow

Gross Margin fluctuated roughly 45%–52%, averaging around the mid-40s to high-40s.
Operating Margin consistently around 23% in recent quarters.
Net Margin near 19–20%.
Operating cash flow remains solid around $1.0–$1.4B per quarter; net cash flow is affected by financing activity in some periods, with a large financing inflow in the latest quarter.

🛡️ Balance Sheet & Liquidity

Total assets generally in the mid-to-high $50B range; liabilities near $50–$60B and equity around $4–$6B, yielding a modest liquidity buffer as current assets roughly equal current liabilities. Leverage is elevated but cash generation is steady.

⚠️ Key Drivers & Risks

Drivers: Recurring payroll/data processing services; broad client base and scale advantages.
Risks: Regulatory/macro shifts and reliance on financing activity in some periods, creating sensitivity to funding costs and leverage.

Similar Companies

AMZN Score: 75 BRK.B Score: 60 DIS Score: 69 GOOG Score: 78 GOOGL Score: 78 META Score: 79 MSFT Score: 87 NFLX Score: 78 NVDA Score: 85 TSLA Score: 62

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