Compare Stocks › AAPL vs VRTX
Apple Inc. (AAPL) vs Vertex Pharmaceuticals Incorporated (VRTX)
AAPL
Apple Inc.
$280.25
VS
VRTX
Vertex Pharmaceuticals Incorporated
$423.92
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.
VRTX
- ★PEG ratio of 0.84 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
- ★Altman Z-Score of 12.04 indicates very low bankruptcy risk — the company is firmly in the safe zone.
- ★Net debt/EBITDA of -0.9x means the company holds more cash than debt — a net cash position.
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.
VRTX
- ⚠ROIC has declined by 5.3 percentage points over the observed period, which may signal competitive erosion.
- ⚠FCF yield of 2.4% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠30 insider sales totaling $70.0M with no purchases in the past 3 months — insiders are reducing their exposure.
Key Valuation Metrics
Learn more →AAPL
VRTX
Valuation
$101.09B
Free Cash Flow
$2.57B
2.46%
FCF Yield
2.39%
33.93
Trailing P/E
27.71
29.30
Forward P/E
19.52
Quality & Moat
60.20%
ROIC
18.14%
105.18%
ROE
21.18%
47.86%
Gross Margin
53.66%
1.56
PEG Ratio
0.84
Balance Sheet Safety
0.80
Debt / Equity
0.11
N/A
Interest Coverage
N/A
0.10
Net Debt / EBITDA
-0.94
0.39%
Dividend Yield
N/A
AAPL: 3Ties: 2VRTX: 6
AAPLVRTX
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.
VRTX
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
VRTX
$5.82
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$7.04B
Δ Market Cap
+$40.93B
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
58.6% Overvalued
Price is 58.6% above estimated fair value
Current Price: $280.25
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $176.66
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
VRTX
14.0% Margin of Safety
Price is 14.0% below estimated fair value
Current Price: $423.92
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $493.08
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 $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.
VRTX
What growth rate is the market pricing in at $424?
+11.3%
Market-Implied Owner Earnings Growth
Standard FCF implies +17.2%
The market implies +11.3% Owner Earnings growth, roughly in line with history — reasonably priced.
Standard FCF implies +17.2%, reflecting ongoing 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.
VRTX
65/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability as the key competitive advantage. Improving margin stability 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.
VRTX
-2.21
Possible 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 33.0%
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.
VRTX
Insiders 0.2%Institutions 97.2%Retail & Other 2.6%
No. of Institutional Holders2,321
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
VRTX
0
Buys (3M)
2
Buys (12M)
Total value (12M): $5.84M
KEWALRAMANI RESHMA
Chief Executive Officer
$3.90M
@ $389.58 · 2025-08-06
SACHS BRUCE I
Director
$1.95M
@ $389.68 · 2025-08-06
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
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
VRTX
30
Sells (3M)
41
Sells (12M)
Total value (12M): $147.50M
LIU JOY
Officer
$439,288
@ $449.17 · 2026-04-01
BOZIC CARMEN
Officer
$1.05M
@ $450.95 · 2026-03-27
BOZIC CARMEN
Officer
$1.12M
@ $481.79 · 2026-03-13
MCKECHNIE DUNCAN
Officer
$1.31M
@ $498.42 · 2026-03-11
MCKECHNIE DUNCAN
Officer
$1.16M
@ $475.30 · 2026-03-04
LIU JOY
Officer
$442,396
@ $495.96 · 2026-03-02
KEWALRAMANI RESHMA
Chief Executive Officer
$19.74M
@ $493.47 · 2026-02-27
BOZIC CARMEN
Officer
$1.12M
@ $480.31 · 2026-02-27
AMBROSE KRISTEN
Officer
$172,560
@ $483.36 · 2026-02-26
BILLER JONATHAN PRIM
Officer
$459,601
@ $486.35 · 2026-02-25
TATSIS OURANIA
Officer
$126,451
@ $486.35 · 2026-02-25
AMBROSE KRISTEN
Officer
$108,456
@ $486.35 · 2026-02-25
ATKINSON EDWARD MORROW III
Chief Technology Officer
$324,882
@ $486.35 · 2026-02-25
MCKECHNIE DUNCAN
Officer
$2.39M
@ $487.65 · 2026-02-25
BUNNAGE MARK E.
Officer
$301,537
@ $486.35 · 2026-02-25
SACHDEV AMIT
Officer
$897,802
@ $486.35 · 2026-02-25
SACHDEV AMIT
Officer
$27.48M
@ $468.83 · 2026-02-19
BILLER JONATHAN PRIM
Officer
$1.80M
@ $484.18 · 2026-02-18
TATSIS OURANIA
Officer
$472,395
@ $483.52 · 2026-02-18
AMBROSE KRISTEN
Officer
$1.06M
@ $484.87 · 2026-02-18
ATKINSON EDWARD MORROW III
Chief Technology Officer
$1.38M
@ $484.93 · 2026-02-18
BUNNAGE MARK E.
Officer
$1.75M
@ $484.31 · 2026-02-18
BILLER JONATHAN PRIM
Officer
$493,012
@ $499.00 · 2026-02-13
TATSIS OURANIA
Officer
$749,985
@ $499.99 · 2026-02-13
BHATIA SANGEETA N
Director
$133,000
@ $500.00 · 2026-02-13
BILLER JONATHAN PRIM
Officer
$886,328
@ $460.43 · 2026-02-11
TATSIS OURANIA
Officer
$214,560
@ $460.43 · 2026-02-11
AMBROSE KRISTEN
Officer
$633,552
@ $460.43 · 2026-02-11
ATKINSON EDWARD MORROW III
Chief Technology Officer
$806,213
@ $460.43 · 2026-02-11
BUNNAGE MARK E.
Officer
$930,529
@ $460.43 · 2026-02-11
TATSIS OURANIA
Officer
$2.14M
@ $474.99 · 2026-01-07
WAGNER CHARLES F JR
Chief Operating Officer
$4.39M
@ $461.00 · 2026-01-06
BILLER JONATHAN PRIM
Officer
$155,803
@ $449.00 · 2025-12-03
TATSIS OURANIA
Officer
$2.02M
@ $449.99 · 2025-12-03
LEIDEN JEFFREY M
Officer and Director
$28.65M
@ $449.20 · 2025-12-03
WAGNER CHARLES F JR
Chief Operating Officer
$6.38M
@ $456.00 · 2025-12-03
ATKINSON EDWARD MORROW III
Chief Technology Officer
$1.09M
@ $434.58 · 2025-11-17
LEIDEN JEFFREY M
Officer and Director
$32.29M
@ $440.60 · 2025-11-14
BILLER JONATHAN PRIM
Officer
$280,522
@ $404.21 · 2025-10-02
BHATIA SANGEETA N
Director
$102,860
@ $386.69 · 2025-08-27
ALTSHULER DAVID
Officer
$22,084
@ $424.69 · 2025-05-15
BHATIA SANGEETA N
Director
$202,344
@ $505.86 · 2025-05-02
ALTSHULER DAVID
Officer
$1.65M
@ $510.00 · 2025-03-13
TATSIS OURANIA
Officer
$1.62M
@ $499.99 · 2025-03-10
ALTSHULER DAVID
Officer
$1.62M
@ $500.00 · 2025-03-10
WAGNER CHARLES F JR
Chief Financial Officer
$1.65M
@ $500.00 · 2025-03-10
TATSIS OURANIA
Officer
$1.97M
@ $485.49 · 2025-03-04
ALTSHULER DAVID
Officer
$1.58M
@ $490.00 · 2025-03-03
TATSIS OURANIA
Officer
$251,930
@ $475.34 · 2025-02-27
ATKINSON EDWARD MORROW III
Chief Technology Officer
$1.26M
@ $475.34 · 2025-02-27
ALTSHULER DAVID
Officer
$610,560
@ $480.00 · 2025-02-27
TATSIS OURANIA
Officer
$170,256
@ $480.95 · 2025-02-25
AMBROSE KRISTEN
Officer
$425,160
@ $480.95 · 2025-02-25
ATKINSON EDWARD MORROW III
Officer
$849,839
@ $480.95 · 2025-02-25
ALTSHULER DAVID
Officer
$407,846
@ $480.95 · 2025-02-25
ALTSHULER DAVID
Officer
$533,280
@ $480.00 · 2025-02-20
BILLER JONATHAN PRIM
Officer
$754,034
@ $455.06 · 2025-02-18
TATSIS OURANIA
Officer
$111,035
@ $455.06 · 2025-02-18
AMBROSE KRISTEN
Officer
$305,345
@ $455.06 · 2025-02-18
BILLER JONATHAN PRIM
Officer
$1.58M
@ $459.87 · 2025-02-11
TATSIS OURANIA
Officer
$142,547
@ $459.83 · 2025-02-11
AMBROSE KRISTEN
Officer
$632,726
@ $459.83 · 2025-02-11
ATKINSON EDWARD MORROW III
Chief Technology Officer
$803,323
@ $459.83 · 2025-02-11
ALTSHULER DAVID
Officer
$7,178
@ $478.53 · 2024-11-15
WAGNER CHARLES F JR
Chief Financial Officer
$1.55M
@ $518.27 · 2024-11-11
KEWALRAMANI RESHMA
Chief Executive Officer
$7.83M
@ $515.00 · 2024-11-08
BILLER JONATHAN PRIM
Officer
$461,198
@ $461.66 · 2024-10-02
BHATIA SANGEETA N
Director
$323,000
@ $500.00 · 2024-08-30
LEIDEN JEFFREY M
Officer and Director
$1.89M
@ $499.00 · 2024-08-30
BHATIA SANGEETA N
Director
$602,447
@ $466.29 · 2024-08-08
BOZIC CARMEN
Officer
$1.09M
@ $476.75 · 2024-08-07
SACHS BRUCE I
Director
$2.69M
@ $508.00 · 2024-08-01
KEWALRAMANI RESHMA
Chief Executive Officer
$7.68M
@ $505.00 · 2024-07-30
BOZIC CARMEN
Officer
$1.11M
@ $488.46 · 2024-07-24
KEWALRAMANI RESHMA
Chief Executive Officer
$7.56M
@ $497.00 · 2024-07-22
BOZIC CARMEN
Officer
$1.11M
@ $487.34 · 2024-07-10
BOZIC CARMEN
Officer
$1.08M
@ $471.72 · 2024-06-26
BOZIC CARMEN
Officer
$1.09M
@ $478.00 · 2024-06-12
ATKINSON EDWARD MORROW III
Chief Technology Officer
$3.48M
@ $478.00 · 2024-06-12
TATSIS OURANIA
Officer
$1.00M
@ $460.00 · 2024-06-03
WAGNER CHARLES F JR
Chief Financial Officer
$1.50M
@ $460.00 · 2024-06-03
TATSIS OURANIA
Officer
$2.03M
@ $441.99 · 2024-05-31
BOZIC CARMEN
Officer
$1.02M
@ $445.56 · 2024-05-29
WAGNER CHARLES F JR
Chief Financial Officer
$1.48M
@ $454.79 · 2024-05-28
KEWALRAMANI RESHMA
Chief Executive Officer
$715,205
@ $457.00 · 2024-05-24
SACHS BRUCE I
Director
$3.17M
@ $448.00 · 2024-05-22
KEWALRAMANI RESHMA
Chief Executive Officer
$6.80M
@ $447.00 · 2024-05-20
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
😏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.
VRTX
😐Neutral(48/100)
"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: Greed (71)
VRTX
⚪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 (48)