Stock Comparison
AAPL vs PAGS
Apple Inc vs PagSeguro Digital Ltd
Who's the better investment? Let's break it down.
The Verdict
PAGS takes this one.
It's not even close. PAGS outscores AAPL by 7.0 points. That's a significant gap in our deep value framework.
Want to compare any two stocks?
Sign up free — get 3 DVR analyses/day, 1800+ stocks, portfolio roast. No credit card.
Valuation
AAPL
Metric
PAGS
Market Cap
P/E Ratio
Lower may indicate better value
Forward P/E
Price/Book
EV/EBITDA
Profitability & Growth
AAPL
Metric
PAGS
Profit Margin
Gross Margin
Operating Margin
Return on Equity
Return on Assets
Revenue Growth
EPS
Financial Health
AAPL
Metric
PAGS
Debt-to-Equity
Lower = less leverage
Current Ratio
Above 1.0 is healthy
Beta
Lower = less volatile
Dividend Yield
Risk Comparison
AAPL
What Could Go Wrong
A significant global economic recession could heavily impact discretionary spending on iPhones and other premium devices, leading to revenue deceleration and potential margin compression, particularly...
Red Flags
- 🚩Continued deceleration in iPhone sales growth over multiple quarters without a compelling new growth...
- 🚩Significant erosion of Services segment gross margin without clear explanation.
- 🚩Major legal or regulatory setback (e.g., forced ecosystem changes, substantial fines).
PAGS
What Could Go Wrong
The rapid expansion of PagSeguro's credit portfolio, particularly the 190.6% YoY growth in working capital loans, poses a significant financial risk. If economic conditions in Brazil worsen or credit ...
Red Flags
- 🚩Overall total revenue ex-ITC growth of 6.4% YoY in Q1 2026 is modest for a company with '10x potenti...
- 🚩Analyst consensus rating of 'Hold' with only 31.4% implied upside indicates market skepticism regard...
- 🚩Significant exposure to Brazilian macroeconomic volatility, which can impact both payment volumes an...
Competitive Moat
AAPL
Rating
🛡️ Wide
Trend
➡️ Stable to Expanding
PAGS
Rating
🛡️ Narrow
Trend
📈 Expanding
Investment Thesis
Apple is a dominant, financially robust mega-cap offering consistent earnings growth, significant capital returns via buybacks and dividends, and an expanding high-margin Services segment. While it lacks 10x growth potential due to its immense scale, it serves as a high-quality, stable core portfolio holding with defensive characteristics and steady long-term appreciation potential, driven by its ...
Full AAPL AnalysisIf PagSeguro continues to grow its higher-margin banking and credit services at >30% YoY for the next 2-3 years, successfully expanding these segments to represent over 40% of total revenue while maintaining NPLs below 3.5%, then its TTM P/E multiple (currently 6.72x) could expand to 20-25x (typical for profitable fintechs) on an accelerating EPS, driving a 3-5 year valuation re-rating of 5x-10x. ...
Full PAGS AnalysisPrice Targets & Strategy
Price Targets & Entry/Exit Strategy
Sign up free to unlock the full comparison
Growth Catalysts
Growth Catalysts Comparison
Sign up free to unlock the full comparison
Market Sentiment
Market Sentiment Analysis
Sign up free to unlock the full comparison
The Deep Dive
Apple continues to demonstrate exceptional operational and financial performance, highlighted by its Fiscal Q2 2026 results with revenue up 17% YoY and EPS up 22% YoY, both beating estimates. The company reported record March quarter revenue for the total company and iPhone, strong Services growth, and authorized a new $100 billion share repurchase program, alongside a 4% dividend increase. Its unparalleled ecosystem, brand loyalty, and robust financial health are undeniable. However, the core d...
Full AAPL AnalysisPagSeguro maintains its strong positioning in the vast Brazilian digital payments and banking market for MSMEs and consumers. Q1 2026 results confirm successful execution on its strategic pivot into higher-margin banking (+40.6% YoY revenue growth) and credit services (+35.9% YoY portfolio growth), enhancing long-term profitability and competitive moat. The company exhibits improved ROAE (15.8%), controlled NPLs (3.05%), and significant capital returns via buybacks and dividends. While overall r...
Full PAGS AnalysisWant More Comparisons?
Run any stock through our deep value analyzer.
Not Financial Advice
This comparison is for educational purposes only. We are not financial advisors. Always do your own research and consult a qualified financial advisor before making investment decisions.