COMP <GO>
BILL vs AAPL // NET PROFIT MARGIN
BILL Holdings Inc. (NYSE) VS. Apple Inc. (NASDAQ) • 15-METRIC TALLY: BILL 4
— AAPL 7
▲ NET PROFIT MARGIN LEADER: AAPL
LAST: $49.72 (+2.92%) • MKT CAP: $4.27B
net-margins
1.60%
LAST: $338.32 (-1.83%) • MKT CAP: $4.94T
net-margins
27.60%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BILL VS. AAPL)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BILL | AAPL | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 81.40% | 48.79% | +32.61 | BILL | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -1.20% | 81.14% | -82.34 | AAPL | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 28.4x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.32% | 2.81% | +5.51 | BILL | /fcf-yield <GO> |
| Operating Margin | -5.50% | 33.01% | -38.51 | AAPL | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 1.60% | 27.60% | -26.00 | AAPL | /net-margins <GO> |
| Revenue Growth (YoY) | 13.40% | 15.06% | -1.66 | AAPL | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.33% | -0.33 | AAPL | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.62 | 12.48 | -11.86 | AAPL | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 9/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 5.08% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 60.9 | 59.9 | +1.00 | BILL | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.33 | 1.14 | +0.19 | BILL | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 35.8x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.27B | $4.94T | -$4.93T | AAPL | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BILL REV | AAPL REV | BILL GROSS % | AAPL GROSS % | BILL FCF | AAPL FCF |
|---|---|---|---|---|---|---|
| FY 2026 | — | $478.83B | — | 48.8% | — | $136.06B |
| FY 2025 | $1.46B | $416.16B | 81.4% | 46.9% | $346.3M | $98.77B |
| FY 2024 | $1.29B | $391.04B | 81.8% | 46.2% | $277.8M | $108.81B |
| FY 2023 | $1.06B | $383.29B | — | 44.1% | $140.1M | $99.58B |
| FY 2022 | — | $394.33B | — | 43.3% | — | $111.44B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BILL // BETA 1.33
AAPL // BETA 1.14