Apple Inc.
AAPLTechnology · Consumer Electronics · NASDAQ
$330.24
P/E 40.2×
Is Apple Inc. (AAPL) Undervalued? Valuation & Fair Price
At $330.24, 4 of the 4 frameworks would pass on Apple Inc. today — Warren Buffett, Benjamin Graham, Peter Lynch, and Phil Town (Rule #1) rate it Avoid. Each model calculates its own fair value and margin of safety; create a free account to see the exact buy price behind every verdict.
Valuo fair-value verdict
Apple Inc. looks 83% overvalued
AAPL trades at $330.24 versus a blended fair value of $56.91 across 4 investor frameworks. That's a 83% premium over our estimate — the exact buy-below price from each framework is below.
The four investor lenses
See how each legend judges AAPL
Pick a lens — the fair-value rail and its checklist update. The exact prices unlock with a free account.
Buffett: Wonderful businesses at a fair price — moat, high returns on capital, owner earnings.
Where Buffett marks fair value — the exact price is in the full analysis.
Buffett's checklist
Return on Equity
ROE Consistency
ROE Quality (Low Leverage)
Debt Levels
The full checklist, the exact fair value, and all four lenses side by side
Unlock free →The six questions · AAPL
signal free · score locked
- Is it cheap enough?Weak
A great business at the wrong price is still a bad buy.
Price score — free accountP/E · PEG
- Is this a good business?Strong
Returns on capital, margins, and the cash they throw off.
Quality score — free accountROIC · margins
- Can it survive a bad year?Weak
Debt, liquidity, and balance-sheet resilience.
Safety score — free accountDebt · liquidity
- Are the numbers honest?Strong
Whether reported profit is backed by real cash.
Integrity score — free accountCash-backed profit
- Is it getting better?Mixed
Revenue, earnings, and cash-flow trajectory.
Growth score — free accountRevenue · earnings
- Who runs it — and are they buying?Strong
Capital allocation, dilution, and insider conviction.
Stewardship score — free accountDilution · insiders
Strong on Quality, Integrity, Stewardship; weak on Price, Safety.
Inside · Price
Price is what you pay for the cash a business earns. Roughly under ~15× earnings is cheap; over ~30× the market is already pricing in strong growth, so you need that growth to show up.
The exact number, the reference bands, and each legend's take unlock free.
Insider & congress activity
Are insiders buying AAPL?
Over recent SEC Form 4 filings, AAPL insiders bought $0 and sold $191.5M of stock across 40 open-market trades. Insiders sell for many reasons, but they buy for one.
| Insider | Action | Shares | Value | Date |
|---|---|---|---|---|
| Newstead JenniferSVP, GC and Government Affairs | Sell | 2,399 | $824K | Oct 27, 2026 |
| Newstead JenniferSVP, GC and Government Affairs | Sell | 2,399 | $815K | Oct 20, 2026 |
| Borders BenPrincipal Accounting Officer | Sell | 151 | $52K | Oct 16, 2026 |
| Borders BenPrincipal Accounting Officer | Sell | 80 | $28K | Oct 16, 2026 |
| Borders BenPrincipal Accounting Officer | Sell | 969 | $335K | Oct 16, 2026 |
Members of Congress have also reported 50 trades in AAPL. See the full insider & congress timeline.
Source: SEC Form 4 filings. Open-market buys & sells only. Not investment advice.
See the interactive insider chart & every tradeBear · base · bull
Three ways AAPL could play out
A fair-value target for each scenario, with the assumptions behind it.
Bear case
Bear case price target — free accountGrowth disappoints and the multiple compresses — the downside if things go wrong.
Base case
Base case price target — free accountThe most likely path given current fundamentals — the scenario to anchor on.
Bull case
Bull case price target — free accountExecution beats expectations and growth holds — the upside if things go right.
Company financials
5-Year Financials
Income statement highlights — annual, USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | $416.2B | $391.0B | $383.3B | $394.3B | $365.8B |
| Rev. Growth | +6.4% | +2.0% | -2.8% | +7.8% | — |
| Net Income | $112.0B | $93.7B | $97.0B | $99.8B | $94.7B |
| Net Margin | 26.9% | 24.0% | 25.3% | 25.3% | 25.9% |
| EPS (Diluted) | $7.49 | $6.11 | $6.16 | $6.15 | $5.67 |
About Apple Inc.
Apple Inc. is a global technology corporation that specializes in the conceptualization, production, and sale of a diverse suite of electronic devices. Its comprehensive hardware lineup features the well-known iPhone smartphones, Mac personal computers, and versatile iPad tablets. The company also supplies a range of wearables, smart home products, and accessories, including AirPods, Apple TV, Apple Watch, items from the Beats brand, and HomePod speakers. Beyond its device offerings, Apple delivers essential support services like AppleCare and robust cloud solutions. It oversees key digital platforms, prominently the App Store, which acts as a central hub for customers to discover and download countless applications and digital content, from e-books and music to videos, games, and podcasts. The company also generates revenue via advertising, leveraging both its proprietary ad platforms and third-party licensing deals. Apple's ecosystem is further bolstered by a wide array of subscription-based services: Apple Arcade for gaming, Apple Fitness+ for personalized wellness, Apple Music for curated audio experiences and on-demand radio, Apple News+ for access to news and magazines, and Apple TV+ for exclusive original video programming. Its financial services portfolio includes the co-branded Apple Card and the mobile payment system, Apple Pay. Additionally, Apple strategically licenses its intellectual property. The company serves a broad clientele that spans individual consumers, small and medium-sized enterprises, as well as institutional clients in the education, corporate, and governmental sectors. Products are distributed through a multi-channel strategy, utilizing Apple's own physical retail locations and online storefronts, a dedicated direct sales team, and collaborations with external partners such as mobile network providers, wholesalers, general retailers, and authorized resellers. The App Store additionally functions as the primary conduit for third-party applications designed for its devices. Founded in 1976, Apple Inc. is headquartered in Cupertino, California.
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- Today's price vs. four fair-value marks
- Insider & congress activity
- 5-year financials
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Data as of Oct 9, 2026 · price updated Nov 3, 2026. Sourced from SEC filings & Financial Modeling Prep.
Educational Use Only · Not Financial Advice
Analysis, scores, valuations, and buy zones are derived from publicly documented investor frameworks (Buffett, Lynch, Benjamin Graham, Phil Town) for learning purposes only. They are not recommendations from licensed financial advisors. Past performance does not guarantee future results. Prices may be delayed up to 15 minutes. Always conduct your own research before making any investment decisions.