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Compare Stocks › AAPL vs TJX

Apple Inc. (AAPL) vs The TJX Companies, Inc. (TJX)

AAPL
Apple Inc.
$280.25
VS
TJX
The TJX Companies, Inc.
$156.83

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.
TJX
  • ★The TJX Companies, Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★The TJX Companies, Inc. scores 94/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
  • ★Free cash flow has grown at a 23.2% CAGR over the past 4 years, demonstrating strong earnings power growth.

Risks

AAPL
  • ⚠FCF yield of 2.5% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
  • ⚠Insiders have sold $24.6M worth of stock in the past 3 months — significant insider liquidation.
TJX
  • ⚠FCF yield of 2.2% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.

Key Valuation Metrics

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AAPL
TJX
Valuation
$101.09B
Free Cash Flow
$3.89B
2.46%
FCF Yield
2.23%
33.93
Trailing P/E
32.14
29.30
Forward P/E
27.66
Quality & Moat
60.20%
ROIC
26.72%
105.18%
ROE
53.92%
47.86%
Gross Margin
30.96%
1.56
PEG Ratio
1.15
Balance Sheet Safety
0.80
Debt / Equity
1.32
N/A
Interest Coverage
N/A
0.10
Net Debt / EBITDA
0.86
0.39%
Dividend Yield
1.22%
AAPL: 7Ties: 1TJX: 4
AAPLTJX

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.

TJX

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

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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
TJX
$6.62
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$9.86B
Δ Market Cap
+$65.23B
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
58.6% Overvalued
Price is 58.6% above estimated fair value
Current Price: $280.25
Fair Value: $176.66
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
TJX
29.6% Overvalued
Price is 29.6% above estimated fair value
Current Price: $156.83
Fair Value: $120.99
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 $280?

+16.0%
Market-Implied Owner Earnings Growth
Standard FCF implies +17.4%

The market implies +16.0% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +17.4%, reflecting heavy growth investment.

TJX

What growth rate is the market pricing in at $157?

+14.5%
Market-Implied Owner Earnings Growth
Standard FCF implies +19.2%

The market implies +14.5% Owner Earnings growth, roughly in line with history — reasonably priced.

Standard FCF implies +19.2%, reflecting ongoing 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.
TJX
94/100
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 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.
TJX
-2.56
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 65.3%Retail & Other 33.0%
No. of Institutional Holders7,540
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.
TJX
Insiders 0.2%Institutions 93.1%Retail & Other 6.7%
No. of Institutional Holders3,446
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
TJX
1
Buys (3M)
2
Buys (12M)
Total value (12M): $4,199
ALVAREZ JOSE B
Director
$734.00
@ $183.50 · 2026-03-05
ALVAREZ JOSE B
Director
$3,465
@ $133.27 · 2025-12-04
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
3
Sells (3M)
11
Sells (12M)
Total value (12M): $112.79M
PAREKH KEVAN
Chief Financial Officer
$421,850
@ $275.00 · 2026-04-23
O'BRIEN DEIRDRE
Officer
$7.66M
@ $255.35 · 2026-04-02
COOK TIMOTHY D
Chief Executive Officer
$16.51M
@ $254.23 · 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
O'BRIEN DEIRDRE
Officer
$11.07M
@ $257.39 · 2025-10-02
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
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
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
WILLIAMS JEFFREY E
Chief Operating Officer
$7.95M
@ $224.01 · 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
ADAMS KATHERINE L
General Counsel
$13.80M
@ $226.20 · 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
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
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
TJX
1
Sells (3M)
7
Sells (12M)
Total value (12M): $14.09M
HERRMAN ERNIE L
Chief Executive Officer
$4.83M
@ $160.95 · 2026-03-02
HERRMAN ERNIE L
Chief Executive Officer
$8.15M
@ $149.93 · 2025-11-21
LANE AMY BETH
Director
$75,700
@ $151.40 · 2025-11-21
BENJAMIN PETER
Officer
$208,845
@ $139.23 · 2025-09-08
NEMEROV JACKWYN L
Director
$164,496
@ $138.00 · 2025-09-02
LANE AMY BETH
Director
$121,689
@ $128.09 · 2025-06-03
BENJAMIN PETER
Officer
$535,042
@ $129.77 · 2025-05-22
HERRMAN ERNIE L
Chief Executive Officer
$2.10M
@ $116.54 · 2025-03-20
HERRMAN ERNIE L
Chief Executive Officer
$2.88M
@ $123.04 · 2025-03-05
BENNETT ALAN M
Director
$988,254
@ $123.53 · 2025-02-27
HERRMAN ERNIE L
Chief Executive Officer
$950,551
@ $126.18 · 2024-12-05
LANE AMY BETH
Director
$126,925
@ $126.92 · 2024-11-27
HERRMAN ERNIE L
Chief Executive Officer
$2.32M
@ $121.27 · 2024-11-22
NEMEROV JACKWYN L
Director
$139,252
@ $117.71 · 2024-09-12
HERRMAN ERNIE L
Chief Executive Officer
$1.76M
@ $117.54 · 2024-09-10
GREENLEES LOUISE E.
Officer
$555,635
@ $119.23 · 2024-08-22
HERRMAN ERNIE L
Chief Executive Officer
$2.41M
@ $120.47 · 2024-08-22
CHING DAVID T
Director
$1.55M
@ $119.39 · 2024-08-22
KLINGER JOHN
Chief Financial Officer
$713,116
@ $105.10 · 2024-06-03
CANESTRARI KENNETH D
Officer
$1.12M
@ $104.01 · 2024-05-30
GREENLEES LOUISE E.
Officer
$831,277
@ $101.74 · 2024-05-29
LANE AMY BETH
Director
$153,102
@ $102.07 · 2024-05-28
HERRMAN ERNIE L
Chief Executive Officer
$2.04M
@ $102.17 · 2024-05-24
CANESTRARI KENNETH D
Officer
$2.03M
@ $100.00 · 2024-05-23
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

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AAPL
FearGreed
😏Greed(71/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

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.
TJX
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.

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

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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: Greed (71)
TJX
⚪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)
View AAPL Full AnalysisView TJX Full Analysis
AAPL vs TJX: Which Is the Better Buy? | SafetyMargin.io