Compare Stocks › AAPL vs CF
Apple Inc. (AAPL) vs CF Industries Holdings, Inc. (CF)
AAPL
Apple Inc.
$248.96
VS
CF
CF Industries Holdings, Inc.
$125.56
Rewards
AAPL
- ★Apple Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Apple Inc. scores 96/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
- ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
CF
- ★CF Industries Holdings, Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
- ★Share count has been reduced by 21% over the past 4 years through buybacks, increasing each share's claim on earnings.
Risks
AAPL
- ⚠FCF yield of 2.9% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠12 insider sales with no purchases over the past 12 months — a persistent pattern of insider selling.
CF
- ⚠Trailing P/E of 14.0x is 54% above the historical average of 9.1x — the stock trades at a premium to its own history.
- ⚠20 insider sales totaling $69.6M with no purchases in the past 3 months — insiders are reducing their exposure.
- ⚠Free cash flow has declined at a 19.0% CAGR over the past 4 years — a concerning trend.
Key Valuation Metrics
Learn more →AAPL
CF
Valuation
$106.31B
Free Cash Flow
$1.80B
2.91%
FCF Yield
9.20%
31.55
Trailing P/E
14.01
26.71
Forward P/E
16.80
Quality & Moat
68.12%
ROIC
17.32%
127.01%
ROE
18.71%
47.33%
Gross Margin
38.45%
1.72
PEG Ratio
0.38
Balance Sheet Safety
1.03
Debt / Equity
0.47
N/A
Interest Coverage
N/A
0.15
Net Debt / EBITDA
0.51
0.42%
Dividend Yield
1.59%
AAPL: 5Ties: 1CF: 6
AAPLCF
Historical Fundamentals
Learn more →AAPL
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
CF
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →AAPL
$7.57
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$257.06B
Δ Market Cap
+$1.94T
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
CF
$-1.50
created per $1 retained over 3 years
Market Cap Declined
Σ Retained
$3.20B
Δ Market Cap
$-4.79B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →AAPL
38.3% Overvalued
Price is 38.3% above estimated fair value
Current Price: $248.96
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $179.99
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
CF
5.0% Margin of Safety
Price is 5.0% below estimated fair value
Current Price: $125.56
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $132.20
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →AAPL
What growth rate is the market pricing in at $249?
+14.5%
Market-Implied Owner Earnings Growth
Standard FCF implies +15.2%
The market implies +14.5% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +15.2%, reflecting heavy growth investment.
CF
What growth rate is the market pricing in at $126?
+3.4%
Market-Implied Owner Earnings Growth
Standard FCF implies +0.5%
The market implies +3.4% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +0.5%, reflecting heavy growth investment.
Economic Moat Score
Learn more →AAPL
96/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
CF
41/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with roic consistency as the key competitive advantage. Improving revenue predictability would strengthen the moat.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
Forensic Accounting
Learn more →AAPL
-2.29
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
CF
-2.83
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →AAPL
Insiders 1.6%Institutions 65.3%Retail & Other 33.1%
No. of Institutional Holders7,544
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
CF
Insiders 0.4%Institutions 106.6%
No. of Institutional Holders1,170
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →AAPL
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
CF
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →AAPL
0
Sells (3M)
12
Sells (12M)
Total value (12M): $129.96M
KONDO CHRISTOPHER
Officer
$1.02M
@ $271.23 · 2025-11-07
PAREKH KEVAN
Chief Financial Officer
$1.04M
@ $247.39 · 2025-10-16
O'BRIEN DEIRDRE
Officer
$11.07M
@ $257.39 · 2025-10-02
COOK TIMOTHY D
Chief Executive Officer
$33.38M
@ $256.81 · 2025-10-02
ADAMS KATHERINE L
General Counsel
$12.10M
@ $256.79 · 2025-10-02
LEVINSON ARTHUR D
Director
$20.89M
@ $232.07 · 2025-08-28
O'BRIEN DEIRDRE
Officer
$7.77M
@ $223.20 · 2025-08-08
KONDO CHRISTOPHER
Officer
$933,955
@ $208.19 · 2025-05-12
PAREKH KEVAN
Chief Financial Officer
$941,420
@ $206.00 · 2025-04-23
WILLIAMS JEFFREY E
Chief Operating Officer
$7.95M
@ $224.01 · 2025-04-02
COOK TIMOTHY D
Chief Executive Officer
$24.18M
@ $223.65 · 2025-04-02
ADAMS KATHERINE L
General Counsel
$8.68M
@ $223.67 · 2025-04-02
LEVINSON ARTHUR D
Director
$343,147
@ $226.35 · 2025-02-03
LEVINSON ARTHUR D
Director
$45.46M
@ $227.32 · 2024-11-19
KONDO CHRISTOPHER
Officer
$945,233
@ $228.87 · 2024-11-18
MAESTRI LUCA
Chief Financial Officer
$13.43M
@ $226.52 · 2024-10-04
O'BRIEN DEIRDRE
Officer
$13.84M
@ $226.87 · 2024-10-02
WILLIAMS JEFFREY E
Chief Operating Officer
$13.55M
@ $226.86 · 2024-10-02
COOK TIMOTHY D
Chief Executive Officer
$50.28M
@ $224.46 · 2024-10-02
ADAMS KATHERINE L
General Counsel
$13.80M
@ $226.20 · 2024-10-02
KONDO CHRISTOPHER
Officer
$1.96M
@ $225.00 · 2024-08-15
KONDO CHRISTOPHER
Officer
$1.12M
@ $216.50 · 2024-08-09
ADAMS KATHERINE L
General Counsel
$20.64M
@ $206.44 · 2024-08-05
LEVINSON ARTHUR D
Director
$14.37M
@ $191.58 · 2024-05-30
KONDO CHRISTOPHER
Officer
$951,785
@ $190.40 · 2024-05-15
MAESTRI LUCA
Chief Financial Officer
$9.26M
@ $174.12 · 2024-04-11
O'BRIEN DEIRDRE
Officer
$9.24M
@ $168.91 · 2024-04-02
COOK TIMOTHY D
Chief Executive Officer
$33.26M
@ $169.33 · 2024-04-02
ADAMS KATHERINE L
General Counsel
$9.24M
@ $168.90 · 2024-04-02
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
CF
20
Sells (3M)
23
Sells (12M)
Total value (12M): $73.69M
WILL W ANTHONY
Director
$10.33M
@ $126.56 · 2026-03-13
MENZEL SUSAN L
Officer
$2.45M
@ $136.06 · 2026-03-12
FROST BERT A
Officer
$854,316
@ $136.69 · 2026-03-12
FROST BERT A
Officer
$1.83M
@ $118.01 · 2026-03-09
MCGRANE MICHAEL PATRICK
General Counsel
$427,089
@ $116.50 · 2026-03-06
MAYER ERIK M.
Officer
$255,749
@ $116.25 · 2026-03-06
WILL W ANTHONY
Director
$6.27M
@ $109.35 · 2026-03-05
MENZEL SUSAN L
Officer
$799,200
@ $111.00 · 2026-03-05
MALIK ASHRAF KHAN
Officer
$270,729
@ $111.00 · 2026-03-05
DEMPSEY LINDA M
Officer
$213,000
@ $106.50 · 2026-03-05
WILL W ANTHONY
Director
$7.01M
@ $109.06 · 2026-03-03
MENZEL SUSAN L
Officer
$415,250
@ $106.09 · 2026-03-03
MCGRANE MICHAEL PATRICK
General Counsel
$291,426
@ $105.36 · 2026-03-03
WILL W ANTHONY
Former
$24.37M
@ $102.63 · 2026-03-02
MENZEL SUSAN L
Officer
$713,232
@ $104.00 · 2026-03-02
FROST BERT A
Officer
$540,761
@ $105.99 · 2026-03-02
MALIK ASHRAF KHAN
Officer
$889,696
@ $103.08 · 2026-03-02
DEMPSEY LINDA M
Officer
$100,000
@ $100.00 · 2026-02-27
MENZEL SUSAN L
Officer
$311,859
@ $97.00 · 2026-02-26
WILL W ANTHONY
Director
$11.22M
@ $100.25 · 2026-02-20
MENZEL SUSAN L
Officer
$1.00M
@ $100.23 · 2025-06-20
FROST BERT A
Officer
$2.57M
@ $98.79 · 2025-06-16
MALIK ASHRAF KHAN
Officer
$549,535
@ $99.95 · 2025-06-13
MENZEL SUSAN L
Officer
$276,300
@ $96.95 · 2025-01-16
MENZEL SUSAN L
Officer
$142,500
@ $95.00 · 2025-01-13
FROST BERT A
Officer
$285,000
@ $95.00 · 2025-01-13
MALIK ASHRAF KHAN
Officer
$844,457
@ $95.00 · 2025-01-13
MENZEL SUSAN L
Officer
$325,000
@ $92.86 · 2024-12-03
MALIK ASHRAF KHAN
Officer
$635,487
@ $90.78 · 2024-11-21
FROST BERT A
Officer
$264,000
@ $88.00 · 2024-11-20
MENZEL SUSAN L
Officer
$180,000
@ $90.00 · 2024-10-04
FROST BERT A
Officer
$270,000
@ $90.00 · 2024-10-04
MALIK ASHRAF KHAN
Officer
$648,269
@ $90.02 · 2024-10-04
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →AAPL
😐Neutral(52/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
CF
😐Neutral(53/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →AAPL
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (52)
CF
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (53)