Is Apple Inc. (AAPL) Undervalued? Valuation & Fair Price
At $332.27, 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.
Apple Inc.
AAPLTechnology · Consumer Electronics · NASDAQ
$332.27
P/E 40.2×
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.
Investor scorecard
How the four investors rate Apple Inc.
4 of 4 frameworks urge caution
Investor model analysis
At $332.27, 4 of 4 frameworks say Avoid
Investor Valuation
Intrinsic Value (DCF)
Warren Buffett's valuation model · select an investor above to switch
“Decent fundamentals but some concerns. Investigate the failing criteria.”
Intrinsic Value (DCF)
Intrinsic Value (DCF): locked — create a free account to viewBuy Below
Buy Below: locked — create a free account to viewStrong Buy Below
Strong Buy Below: locked — create a free account to viewMargin of Safety
Margin of Safety: locked — create a free account to viewExact buy price, intrinsic value & margin of safety — create a free account
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Insider & congress activity
Are insiders buying AAPL?
Over recent SEC Form 4 filings, AAPL insiders bought $0 and sold $116.0M of stock across 24 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 | 1,438 | $456K | Sep 8, 2026 |
| Newstead JenniferSVP, GC and Government Affairs | Sell | 1,439 | $456K | Sep 1, 2026 |
| Newstead JenniferSVP, GC and Secretary | Sell | 1,439 | $447K | Aug 25, 2026 |
| Newstead JenniferSVP, GC and Secretary | Sell | 1,439 | $442K | Aug 18, 2026 |
| Newstead JenniferSVP, GC and Secretary | Sell | 1,439 | $443K | Aug 11, 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 tradeMarket expectations
What the market is pricing in
The yearly growth rate today's price already assumes — and what that means for a buyer
Implied FCF growth
The market expects near-perfect execution
What this means for you
The price assumes almost everything goes right — little cushion if Apple Inc. stumbles.
This is the yearly growth today's price already assumes if it holds for 10 years, then levels off to a steady 3% — the standard long-term DCF horizon.
The exact growth bar for Apple Inc. — and how it compares to history — is locked.
Unlock with a free accountScenario analysis
Bear, base & bull
Three growth assumptions, three fair values — and where today's price lands
Checklist highlights
Buffett model checklist
Top criteria from the Buffett analysis — select an investor below for all models
Return on Equity
ROE measures how efficiently the company uses shareholder equity. Buffett looks for consistent ROE above 15%, indicating a durable competitive advantage.
ROE Consistency
Consistent high ROE over many years suggests a durable moat. Buffett demands durability — at most one weak year is acceptable.
ROE Quality (Low Leverage)
Buffett prefers high ROE generated by business quality, not financial leverage.
Debt Levels
Buffett prefers companies that could pay off all debt within 3-4 years of free cash flow. Uses 3-year average FCF to smooth one-off fluctuations.
Sell signals & exit criteria
Know when to exit — sell triggers tracked across all 4 models
Full checklist & risk analysis across all 4 models — free account
UnlockCompany 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 |
| Free Cash Flow | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view |
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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.