AnnualReportAI — Business Intelligence
Financial & Valuation Intelligence™

Apple Inc.

NASDAQ
AAPL
Sector: Technology· Consumer Electronics
Current Price
$348.2
Market Cap
$5.08 T
AI Financial Summary

Apple Inc. demonstrates exceptional profitability and strong capital allocation, with a high business quality score. Revenue and net profit show consistent growth, driving impressive returns on equity and capital employed. However, the company's financial strength score is lower, and the current valuation metrics suggest it is trading above its calculated fair value, indicating a potentially limited margin of safety for shareholder value creation.

Business Performance (CAGR)

10 Years
Revenue
7.6%
PAT
10.5%
EPS
-1.2%
Book Value
-15.9%
Free Cash Flow
8.8%

Valuation Snapshot

P/E34
P/B51.7
EV/EBITDA26.8
P/S9.2
Div Yield0.40%

Financial Health

Debt to Equity1.23
Interest Coverage—x
Current Ratio0.85
Cash & Investments$54.70 B

Profitability Metrics

ROE
151.9%
ROCE
80.7%
ROA
31.2%
EBITDA Mgn
34.7%
Op Margin
31.9%
Net Margin
26.9%

Cash Flow Intelligence

Operating Cash Flow$111.48 B
Free Cash Flow$95.63 B
Cash Conversion99.5%
FCF Margin23.0%

Intrinsic Value

Premium
Estimated Intrinsic Value
████████
Current Price$348.2
Margin of Safety██.██%
Unlock with Premium

Estimated Intrinsic Value & DCF Fair Value are available with Premium plans.

AI Business Verdict

Apple Inc. exhibits outstanding profitability and efficient cash generation, driving high returns on equity and capital. While growth remains solid, concerns exist regarding financial strength due to leverage and liquidity, and the current market valuation appears to exceed its calculated intrinsic value. The business model is robust, but careful consideration of financial health metrics and current market pricing is warranted for long-term value creation.

  • Exceptional profitability with high ROE (151.91%) and ROCE (80.73%).
  • Strong historical revenue growth (7.58% CAGR) and net profit growth (10.48% CAGR).
  • Robust free cash flow generation with an 8.82% FCF CAGR.
  • High net profit margin (26.92%) and operating margin (31.89%) demonstrating pricing power and cost efficiency.

Balance Sheet

AI-Powered Analysis
Balance Sheet Strength™
50/100
Adequate

Apple Inc. has an adequate but tight balance sheet — leverage and liquidity warrant monitoring.

AI Confidence
86%
Stability
55
Flexibility
55
Strength Factors
Liquidity42
Leverage55
Working Capital82
Asset Quality42
Shareholder Strength21
Financial Stability55
Financial Flexibility™
55/100
Adequate

Capacity to fund growth, withstand downturns and return capital.

Total Assets
$260.18 B
▲ 1.8% YoY
Total Liabilities
$186.45 B
▼ 6.2% YoY
Shareholder Equity
$73.73 B
▲ 29.5% YoY
Net Cash Position
-$35.98 B
Monitor
Debt / Equity
1.23x
Elevated
Enterprise Value
$3.85 T
Capital Structure
Assets
$260.18 B
Equity
$73.73 B (28.3%)
Liabilities
$186.45 B (71.7%)
Debt Intelligence™
Debt vs Cash Trend
Debt / Equity1.23x
Interest CoverageNot Available
Debt / EBITDA0.81x
Net Debt$35.98 B
Debt Trend (5Y)2.8%
Debt MaturityWell Staggered
Liquidity Intelligence™
Current Ratio0.85
Quick Ratio0.79
Cash Ratio0.19
Working Capital-$14.34 B
Operating Cash CoverageAdequate
Short-term LiquidityWeak
Working Capital Intelligence™
CCC Trend
Receivable Days35
Inventory Days5
Payable DaysNot Available
Cash Conversion Cycle40 days
Asset Quality (% of Total Assets)
Cash & Investments13.8%
Property, Plant & Equip.19.2%
ReceivablesNot Available
InventoryNot Available
GoodwillNot Available
Intangible AssetsNot Available
Other Assets87.6%
Shareholder Strength™
Strength Radar
Book Value CAGR (5Y)-15.9%
Net Worth CAGR (5Y)-6.0%
Retained EarningsWeak
Equity Dilution0.00%
Buyback EfficiencyWeak
Dividend Sustain.Strong
Balance Sheet Evolution
Annual
Balance Sheet Risk Monitor
Debt RiskElevated
Liquidity RiskHigh
Working Capital RiskLow
Refinancing RiskElevated
Asset Quality RiskHigh
Dilution RiskLow
Contingent LiabilityLow
Overall Balance Sheet RiskElevated
Balance Sheet Stress Test™
Economic Slowdown47
Acquisition Capacity55
High Interest Rates55
Dividend Sustainability38
Revenue Decline49
Cash Flow Resilience55
Expansion Capacity42
Overall Resilience Score
49/100
Fragile — Review Risks
AI Balance Sheet Commentary
Overall Assessment
  • Apple Inc.
  • has an adequate but tight balance sheet — leverage and liquidity warrant monitoring.
What Stands Out
  • Large cash & investment reserves
Areas To Monitor
  • Elevated debt-to-equity ratio
  • Tight short-term liquidity cushion
  • Large 'other assets' bucket — investigate composition
  • Slow book value compounding
Financial data based on consolidated numbers and TTM · Source: Company Filings, Annual Report AI Analysis · Data as of: 31/03/2025