Equity due-diligence report

AAPL

Version date
July 10, 2026
Generated
Jul 10, 2026, 15:33 UTC
Freshness
Stale · 1mo

LiveMarket quote

AAPL$65.87+$0.41 (+0.63%)today$63.89$67.81day rangeretrieved Aug 20, 2026, 05:31 UTC

Market state at retrieval — independent of this report’s as-of research inputs recorded below.

Source data

5 inputs · freshness

  • companyfacts.json1 month oldas of Jul 10, 2026, 14:17 UTC
  • filings.json1 month oldas of Jul 10, 2026, 14:17 UTC
  • market.json1 month oldas of Jul 10, 2026, 14:17 UTC
  • history.json1 month oldas of Jul 10, 2026, 14:17 UTC
  • policy.json1 month oldas of Jul 10, 2026, 14:18 UTC

TL;DR

TL;DR

At $313.435 (intraday, 2026-07-10) — within 1% of its 52-week high (−0.88% off the $316.22 high of 2026-07-09, +55.9% off the $201.00 low of 2025-06-26, +47.6% YoY vs $212.41 on 2025-07-10; "52-week," not "all-time" — history.json is a 1-year window) — Apple trades at 37.6× TTM earnings and ~10.1–10.3× reconciled EV/TTM-revenue, a +64% premium to Microsoft (22.9×) and +37% to Alphabet (27.4×): the most expensive name in its cohort while earning less absolute net income than either. The whole debate reduces to one question — does H1 FY2026's acceleration persist?

  • Bull. The current company is materially better than the stale tape: revenue accelerated to +16.1% H1-vs-H1 (from FY2025's +6.4%), gross margin expanded +168 bps to 48.64%, net income +17.3% and OCF +53.3%; the move is broad (Services +15.1% at a 76.6% margin; Greater China −4%→+28–38%), and a self-funded ~$90B/yr buyback shrank shares −2.83% in 18 months on a fortress balance sheet.
  • Bear. Concede all of that — it is already in the price. Within 1% of the 52-week high, a 37.6× multiple has priced the acceleration as permanent, yet +16.1% is 4.9× Apple's own FY2021–25 revenue CAGR of 3.28%, with three reversion-prone drivers (a tariff pull-forward the 10-K confirms, an FX tailwind the 10-Q names, a China swing), and a regulatory overhang (a €500M DMA fine levied, an Art. 6(4) tail up to ~$45B, a Google search-default worth ~$12.5–20B/yr) aims at the 37.7%-of-gross-profit Services stream; re-rating to the cohort at flat earnings is −27% to −39%.
  • Priced-in break-even. At the adopted reconciled EV $4.6427T the 37.6× multiple is justified iff TTM net income compounds into the cohort multiple within the holding horizon — ~2.1–3.3 years at the +16.1% H1 pace, but ~10–15 years at the +3.28% base rate. The entire conclusion flips on whether ~mid-teens growth and the 48.64% gross margin persist or revert toward FY2023–25 levels. No buy/sell/hold — research tooling, not advice.

Watch next — a cold reader can act on these:

WindowEventIf it lands bullishIf it lands bearish
Thu 2026-07-30Q3 FY2026 earnings print (date confirmed; the fulcrum — both cases' falsifier #1)Revenue growth near the +16.1% H1 pace, gross margin ≥ ~48.6%, Greater China still positive — acceleration is the run-rateGrowth decelerates toward the FY2023–25 base (−2.8% / +2.0% / +6.4%), margin slips below ~47% — the +16% was a pull-forward
~Sept 8–9, 2026 (rumored; Apple unconfirmed)September product cycle — iPhone 18 / Apple-Intelligence eventA real AI/hardware upgrade sustains the iPhone (55.8% of H1 revenue) re-accelerationIncremental hardware; the June price hikes suppress upgrade demand
Eff. 2026-09-01CEO succession takes effect — Cook → Executive Chair, Ternus → CEO (8-K 2026-04-20; +1.04% on the news)Orderly long-tenured-insider handoff; continuity through the product cycle and Q4 printKey-person/strategy-shift risk at the top; the still-unfiled Ternus comp 8-K/A leaves the new CEO's incentive structure unknown
court-driven, undatedEU DMA Art. 6(4) determination / DOJ + Google-remedy appealsOverhang resolves benign — €500M fine overturned, Google payments survive, no App Store remedyA binding remedy strikes the 76.6%-margin Services stream (37.7% of gross profit)
~late Oct / early Nov 2026Q4 / FY2026 Form 10-K — does the multiple compress?Full-year growth well above FY2025's +6.4%; a ~35×+ P/E holdsH2 gives back H1; the P/E re-rates toward the 23–27× cohort (−27% to −39%)

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Bear caseLocked

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Cross-examination ledgerLocked

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Is it priced in?Locked

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