Compare Stocks › AAPL vs EFX
Apple Inc. (AAPL) vs Equifax Inc. (EFX)
AAPL
Apple Inc.
$248.96
VS
EFX
Equifax Inc.
$181.50
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.
EFX
- ★Free cash flow has grown at a 104.5% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $1.94 of market value — management is creating shareholder value.
- ★Trailing P/E of 34.1x is 25% below the historical average of 45.6x — potentially undervalued relative to its own history.
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.
EFX
- ⚠PEG ratio of 14.22 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
- ⚠Insiders have sold $10.4M worth of stock in the past 3 months — significant insider liquidation.
Key Valuation Metrics
Learn more →AAPL
EFX
Valuation
$106.31B
Free Cash Flow
$1.00B
2.91%
FCF Yield
4.51%
31.55
Trailing P/E
34.12
26.71
Forward P/E
17.53
Quality & Moat
68.12%
ROIC
8.71%
127.01%
ROE
13.94%
47.33%
Gross Margin
56.45%
1.72
PEG Ratio
14.22
Balance Sheet Safety
1.03
Debt / Equity
1.11
N/A
Interest Coverage
N/A
0.15
Net Debt / EBITDA
2.71
0.42%
Dividend Yield
1.13%
AAPL: 7Ties: 1EFX: 4
AAPLEFX
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.
EFX
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
EFX
$1.94
created per $1 retained over 3 years
Value Creator
Σ Retained
$1.19B
Δ Market Cap
+$2.32B
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
EFX
4.1% Margin of Safety
Price is 4.1% below estimated fair value
Current Price: $181.50
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $189.27
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.
EFX
What growth rate is the market pricing in at $182?
+17.6%
Market-Implied Owner Earnings Growth
Standard FCF implies +11.9%
The market implies +17.6% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +11.9%, 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.
EFX
62/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability as the key competitive advantage. Improving roic consistency 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.
EFX
-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.
EFX
Insiders 0.7%Institutions 98.7%Retail & Other 0.6%
No. of Institutional Holders1,238
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
EFX
1
Buys (3M)
1
Buys (12M)
Total value (12M): $464,928
MAO CECILIA H.
Officer
$464,928
@ $193.72 · 2026-02-18
FICHUK KAREN LINN
Director
$99,090
@ $238.77 · 2024-05-09
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
EFX
4
Sells (3M)
10
Sells (12M)
Total value (12M): $30.76M
GAMBLE JOHN W JR
Chief Operating Officer
$880,740
@ $195.72 · 2026-02-23
BORTON CHAD M
Officer
$485,452
@ $191.50 · 2026-02-12
FARSHCHI JAMIL
Chief Technology Officer
$1.45M
@ $196.45 · 2026-02-11
BEGOR MARK W.
Chief Executive Officer
$7.63M
@ $201.89 · 2026-02-10
GAMBLE JOHN W JR
Chief Operating Officer
$520,925
@ $208.37 · 2025-11-20
FARSHCHI JAMIL
Chief Technology Officer
$1.18M
@ $238.94 · 2025-10-27
GAMBLE JOHN W JR
Chief Operating Officer
$742,050
@ $247.35 · 2025-08-18
BEGOR MARK W.
Chief Executive Officer
$11.67M
@ $241.71 · 2025-07-28
GAMBLE JOHN W JR
Chief Operating Officer
$518,200
@ $259.10 · 2025-05-06
BEGOR MARK W.
Chief Executive Officer
$5.69M
@ $256.61 · 2025-04-28
GAMBLE JOHN W JR
Chief Operating Officer
$848,085
@ $242.31 · 2025-02-28
BEGOR MARK W.
Chief Executive Officer
$5.60M
@ $252.63 · 2025-02-13
FARSHCHI JAMIL
Chief Technology Officer
$4.69M
@ $248.18 · 2025-02-12
NELSON LISA M
Officer
$136,995
@ $248.18 · 2025-02-12
FARSHCHI JAMIL
Chief Technology Officer
$3.83M
@ $260.39 · 2024-11-26
NELSON LISA M
Officer
$143,475
@ $260.39 · 2024-11-26
BEGOR MARK W.
Chief Executive Officer
$15.77M
@ $270.49 · 2024-10-25
KELLEY JOHN J III
Officer
$272,920
@ $272.92 · 2024-10-25
KELLEY JOHN J III
Officer
$914,977
@ $304.99 · 2024-08-28
CHANEY CARLA
Officer
$845,544
@ $281.85 · 2024-08-07
CHANEY CARLA
Officer
$838,440
@ $279.48 · 2024-08-01
GAMBLE JOHN W JR
Chief Operating Officer
$373,260
@ $276.49 · 2024-07-30
BEGOR MARK W.
Chief Executive Officer
$15.71M
@ $269.47 · 2024-07-26
HOUSTON JULIA A
Officer
$1.10M
@ $228.63 · 2024-05-31
CHANEY CARLA
Officer
$937,874
@ $228.53 · 2024-05-31
GRIGGS JAMES M.
Officer
$91,483
@ $228.71 · 2024-05-31
GAMBLE JOHN W JR
Chief Operating Officer
$836,732
@ $229.24 · 2024-05-30
HOUSTON JULIA A
Officer
$1.02M
@ $238.63 · 2024-05-24
CHANEY CARLA
Officer
$1.24M
@ $238.63 · 2024-05-24
GRIGGS JAMES M.
Officer
$575,015
@ $238.60 · 2024-05-24
BEGOR MARK W.
Chief Executive Officer
$13.14M
@ $225.45 · 2024-04-26
PLODER RODOLFO O
Officer
$3.18M
@ $225.45 · 2024-04-26
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.
EFX
😨Fear(28/100)
"Market is pessimistic — investigate whether fears are temporary or structural"
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)
EFX
⚪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: Fear (28)