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Compare Stocks › AAPL vs MDLZ

Apple Inc. (AAPL) vs Mondelez International, Inc. (MDLZ): Which Is the Better Buy in 2026?

As of 2026-06-19, AAPL is overvalued at $298, with a DCF intrinsic value of $182 and a margin of safety of -64%. MDLZ is overvalued at $60, with an intrinsic value of $35 and a margin of safety of -71%. Of the two, AAPL has the wider margin of safety.

AAPL
Apple Inc.
$298.01
VS
MDLZ
Mondelez International, Inc.
$60.12

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.
MDLZ

    Risks

    AAPL
    • ⚠FCF yield of 2.3% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
    • ⚠PEG ratio of 2.42 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
    • ⚠6 insider sales totaling $111.7M with no purchases in the past 3 months — insiders are reducing their exposure.
    MDLZ

      Key Valuation Metrics

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      AAPL
      MDLZ
      Valuation
      $101.09B
      Free Cash Flow
      $2.85B
      2.31%
      FCF Yield
      3.69%
      36.08
      Trailing P/E
      29.76
      31.06
      Forward P/E
      17.75
      Quality & Moat
      60.20%
      ROIC
      6.09%
      141.47%
      ROE
      10.16%
      47.86%
      Gross Margin
      28.77%
      2.42
      PEG Ratio
      1.02
      Balance Sheet Safety
      0.15
      Net Debt / Equity
      0.78
      N/A
      Interest Coverage
      N/A
      0.10
      Net Debt / EBITDA
      3.85
      0.36%
      Dividend Yield
      3.22%
      AAPL: 6Ties: 1MDLZ: 5
      AAPLMDLZ

      Historical Fundamentals

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      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. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

      MDLZ

      Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

      Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

      $1 Retained Earnings Test

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      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
      MDLZ
      $-4.39
      created per $1 retained over 3 years
      Market Cap Declined
      Σ Retained
      $5.03B
      Δ Market Cap
      $-22.05B
      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

      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

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      AAPL
      63.8% Overvalued
      Price is 63.8% above estimated fair value
      Current Price: $298.01
      Fair Value: $181.90
      Strongly undervalued
      Undervalued
      Fairly valued
      Overvalued
      Strongly overvalued
      MDLZ
      71.1% Overvalued
      Price is 71.1% above estimated fair value
      Current Price: $60.12
      Fair Value: $35.15
      Strongly undervalued
      Undervalued
      Fairly valued
      Overvalued
      Strongly overvalued

      Reverse DCF — Market-Implied Growth

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      AAPL

      What growth rate is the market pricing in at $298?

      +16.9%
      Market-Implied Owner Earnings Growth
      Standard FCF implies +18.3%

      The market implies +16.9% Owner Earnings growth, above historical trends.

      Standard FCF implies a demanding +18.3%, reflecting heavy growth investment.

      MDLZ

      What growth rate is the market pricing in at $60?

      +16.6%
      Market-Implied Owner Earnings Growth
      Standard FCF implies +15.0%

      The market implies +16.6% Owner Earnings growth, above historical trends.

      Standard FCF implies a demanding +15.0%, reflecting heavy growth investment.

      Economic Moat Score

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      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.
      MDLZ
      48/100
      Narrow Moat
      70+ Wide · 40-69 Narrow · <40 None

      Narrow moat with reinvestment efficiency 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

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      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.
      MDLZ
      -2.43
      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

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      AAPL
      Insiders 1.6%Institutions 65.8%Retail & Other 32.5%
      No. of Institutional Holders7,675
      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.
      MDLZ
      Insiders 0.2%Institutions 90.1%Retail & Other 9.6%
      No. of Institutional Holders2,492
      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

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      AAPL
      0
      Buys (3M)
      0
      Buys (12M)
      No open market insider purchases found.
      Open market purchases · includes direct & indirect ownership · excludes option exercises
      MDLZ
      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

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      AAPL
      6
      Sells (3M)
      13
      Sells (12M)
      Total value (12M): $198.97M
      LEVINSON ARTHUR D
      Director
      $15.55M
      @ $311.02 · 2026-05-27
      BORDERS BEN
      Officer
      $369,460
      @ $290.00 · 2026-05-08
      LEVINSON ARTHUR D
      Director
      $71.19M
      @ $284.76 · 2026-05-06
      PAREKH KEVAN
      Chief Financial Officer
      $421,850
      @ $275.00 · 2026-04-23
      COOK TIMOTHY D
      Chief Executive Officer
      $16.51M
      @ $254.23 · 2026-04-02
      O'BRIEN DEIRDRE
      Officer
      $7.66M
      @ $255.35 · 2026-04-02
      KONDO CHRISTOPHER
      Officer
      $1.02M
      @ $271.23 · 2025-11-07
      PAREKH KEVAN
      Chief Financial Officer
      $1.04M
      @ $247.39 · 2025-10-16
      ADAMS KATHERINE L
      General Counsel
      $12.10M
      @ $256.79 · 2025-10-02
      COOK TIMOTHY D
      Chief Executive Officer
      $33.38M
      @ $256.81 · 2025-10-02
      O'BRIEN DEIRDRE
      Officer
      $11.07M
      @ $257.39 · 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
      ADAMS KATHERINE L
      General Counsel
      $8.68M
      @ $223.67 · 2025-04-02
      COOK TIMOTHY D
      Chief Executive Officer
      $24.18M
      @ $223.65 · 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
      WILLIAMS JEFFREY E
      Chief Operating Officer
      $13.55M
      @ $226.86 · 2024-10-02
      ADAMS KATHERINE L
      General Counsel
      $13.80M
      @ $226.20 · 2024-10-02
      COOK TIMOTHY D
      Chief Executive Officer
      $50.28M
      @ $224.46 · 2024-10-02
      O'BRIEN DEIRDRE
      Officer
      $13.84M
      @ $226.87 · 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
      Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
      MDLZ
      0
      Sells (3M)
      1
      Sells (12M)
      Total value (12M): $186,000
      VALLE GUSTAVO CARLOS
      Officer
      $186,000
      @ $62.00 · 2026-02-13
      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
      FearGreed
      😐Neutral(60/100)

      "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.
      MDLZ
      FearGreed
      😐Neutral(47/100)

      "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 (60)
      MDLZ
      ⚪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 (47)
      View AAPL Full AnalysisView MDLZ Full Analysis

      Frequently Asked Questions: AAPL vs MDLZ

      Is Apple Inc. or Mondelez International, Inc. more undervalued in 2026?▼

      Based on our discounted cash flow model, AAPL trades at a -63.8% margin of safety (intrinsic value $182 vs. price $298), compared to MDLZ's -71.1% margin of safety (intrinsic $35 vs. $60).

      Which stock has a wider economic moat, Apple Inc. or Mondelez International, Inc.?▼

      AAPL scores 96/100 (Wide moat), while MDLZ scores 48/100 (Narrow moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

      Is Mondelez International, Inc. in financial distress?▼

      MDLZ's Altman Z-Score of 2.2 places it in the Grey zone, signaling elevated bankruptcy risk. AAPL scores 10.7 (Safe zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.

      Which company has better free cash flow, Apple Inc. or Mondelez International, Inc.?▼

      Mondelez International, Inc. (MDLZ) generates a 3.7% free cash flow yield, compared to Apple Inc.'s 2.3%. A higher FCF yield means the business converts more of its market value into cash that can be returned to shareholders or reinvested.

      Which stock has higher return on invested capital, Apple Inc. or Mondelez International, Inc.?▼

      AAPL earns 60.2% ROIC versus MDLZ's 6.1%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.

      Which dividend is safer, Apple Inc.'s or Mondelez International, Inc.'s?▼

      AAPL's dividend earns a safety score of 94/100 (Very Safe), compared to MDLZ's 39/100 (Unsafe). AAPL has raised its dividend for 3 consecutive years.