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AAPL vs. V: Apple vs. Visa Stock Comparison

How do Apple (AAPL) and Visa (V) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Apple (AAPL) is classified in the Information Technology sector (Technology Hardware & Equipment), whereas Visa (V) belongs to Financials (Financial Services) — their GICS classifications point to very different parts of the market.

Company profile comparison for Apple (AAPL) and Visa (V)
Profile ItemAAPLV
NameApple Inc.Visa Inc. Class A
Country/RegionUnited StatesUnited States
GICS SectorInformation TechnologyFinancials
GICS Industry GroupTechnology Hardware & EquipmentFinancial Services
GICS IndustryTechnology Hardware, Storage & PeripheralsFinancial Services
GICS Sub-IndustryTechnology Hardware, Storage & PeripheralsTransaction & Payment Processing Services
Market Capitalization4,975.38 billion USD788.58 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateDecember 12, 1980March 19, 2008
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AAPL
V
GSPC
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Apple (AAPL) vs. Visa (V), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Apple (AAPL) and Visa (V). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Apple (AAPL) and Visa (V). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Apple (AAPL) and Visa (V)
MetricAAPLV
Total Return (1Y)31.02%27.50%
Total Return (3Y, Annualized)24.87%21.55%
Total Return (5Y, Annualized)18.93%15.65%

Risk Profile

Drawdown History

AAPL
V
GSPC
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Apple (AAPL) vs. Visa (V), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Apple (AAPL) and Visa (V). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Apple (AAPL) and Visa (V)
MetricAAPLV
Volatility (1Y, Annualized)24.99%22.99%
Beta (5Y)1.080.78
Max Drawdown (5Y)-33.36%-24.14%
Avg. Volume (3M)42.44M6.56M

Risk-Adjusted Performance

Risk-Return Positioning

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AAPL and V are plotted by 1-year volatility (risk) and 1-year return. Each dashed Capital Allocation Line uses that stock's own industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Apple (AAPL) and Visa (V)
MetricAAPLV
Sharpe Ratio (1Y)1.071.01
Sortino Ratio (1Y)1.581.64

Profitability

ROE (TTM)

Both Apple (AAPL) at 142.26% and Visa (V) at 63.51% turn shareholders’ equity into profit at rates above their industry benchmark ranges for ROE. That is a strong capital-efficiency signal, though leverage and the equity base still matter.

AAPL

Technology Hardware & Equipment industry group

142.26%

AAPL
142.26%
Max
42.47%
Q3
19.13%
Median
11.00%
Q1
1.63%
Min
-20.62%

V

Financial Services industry group

63.51%

V
63.51%
Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
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Apple (AAPL) vs. Visa (V): A comparison of their ROE against their respective Technology Hardware & Equipment and Financial Services industry group benchmarks.

Net Margin (TTM)

For every dollar of sales, both Apple (AAPL) at 27.60% and Visa (V) at 51.20% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

AAPL

Technology Hardware & Equipment industry group

27.60%

AAPL
27.60%
Max
27.60%
Q3
11.66%
Median
4.08%
Q1
0.00%
Min
-11.02%

V

Financial Services industry group

51.20%

Max
62.84%
V
51.20%
Q3
28.05%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Apple (AAPL) vs. Visa (V): A comparison of their net margin against their respective Technology Hardware & Equipment and Financial Services industry group benchmarks.

Operating Margin (TTM)

Both Apple (AAPL) at 31.13% and Visa (V) at 63.73% convert sales into operating profit at a top-quartile rate, pointing to tighter cost discipline before financing and tax.

AAPL

Technology Hardware & Equipment industry group

31.13%

Max
36.27%
AAPL
31.13%
Q3
18.36%
Median
8.84%
Q1
1.46%
Min
-21.39%

V

Financial Services industry group

63.73%

Max
107.33%
V
63.73%
Q3
55.90%
Median
30.09%
Q1
14.60%
Min
-44.34%
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Apple (AAPL) vs. Visa (V): A comparison of their operating margin against their respective Technology Hardware & Equipment and Financial Services industry group benchmarks.

Profitability Metrics

Profitability metrics for Apple (AAPL) and Visa (V)
MetricAAPLV
ROE (TTM)142.26%63.51%
ROA (TTM)25.87%19.61%
Net Margin (TTM)27.60%51.20%
Operating Margin (TTM)31.13%63.73%
Gross Margin (TTM)48.79%--

Growth

Revenue Growth

Both Apple (AAPL) at 15.06% and Visa (V) at 14.76% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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Apple (AAPL) vs. Visa (V): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Apple (AAPL) at 20.38% and Visa (V) at 20.78% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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Apple (AAPL) vs. Visa (V): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Apple (AAPL) and Visa (V)
MetricAAPLV
Revenue Growth (YoY)15.06%14.76%
Revenue Growth (3Y CAGR)7.70%12.02%
EPS Growth (YoY)20.38%20.78%
EPS Growth (3Y CAGR)13.57%14.16%

Financial Strength

Current Ratio (MRQ)

Apple (AAPL) shows current ratio of 1.02; Visa (V) doesn’t get one — Financial Services balance sheets aren’t split into current and non-current buckets, so short-term liquidity there is judged through regulatory measures instead.

AAPL

Technology Hardware & Equipment industry group

1.02

Max
5.34
Q3
3.02
Median
1.95
Q1
1.32
AAPL
1.02
Min
0.17

V

Financial Services industry group

--

V
--
Max
--
Q3
--
Median
--
Q1
--
Min
--
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Apple (AAPL) vs. Visa (V): V’s current ratio is not assessed under the Financial Services industry convention, so the chart shows available visual context for AAPL only.

Debt / Equity (MRQ)

Apple (AAPL) shows debt-to-equity ratio of 0.84; for Visa (V) the ratio is set aside — in Financial Services, balance-sheet leverage is part of the business model itself, so capital-adequacy measures do the job this ratio does elsewhere.

AAPL

Technology Hardware & Equipment industry group

0.84

Max
1.76
AAPL
0.84
Q3
0.78
Median
0.24
Q1
0.04
Min
0.01

V

Financial Services industry group

--

V
--
Max
--
Q3
--
Median
--
Q1
--
Min
--
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Apple (AAPL) vs. Visa (V): V’s debt-to-equity ratio is not assessed under the Financial Services industry convention, so the chart shows available visual context for AAPL only.

Financial Strength Metrics

Financial strength metrics for Apple (AAPL) and Visa (V)
MetricAAPLV
Current Ratio (MRQ)1.02--
Debt / Equity (MRQ)0.84--
Net Debt / EBITDA0.22--

Dividends

Dividend Yield (TTM)

Both Apple (AAPL) at 0.31% and Visa (V) at 0.66% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

AAPL

Technology Hardware & Equipment industry group

0.31%

Max
0.73%
Q3
0.31%
AAPL
0.31%
Median
0.00%
Q1
0.00%
Min
0.00%

V

Financial Services industry group

0.66%

Max
9.77%
Q3
3.92%
Median
1.09%
V
0.66%
Q1
0.00%
Min
0.00%
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Apple (AAPL) vs. Visa (V): A comparison of their dividend yield against their respective Technology Hardware & Equipment and Financial Services industry group benchmarks.

Dividend Payout Ratio (TTM)

Both Apple (AAPL) at 11.80% and Visa (V) at 21.75% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

AAPL

Technology Hardware & Equipment industry group

11.80%

Max
32.27%
Q3
14.48%
AAPL
11.80%
Median
0.00%
Q1
0.00%
Min
0.00%

V

Financial Services industry group

21.75%

Max
241.07%
Q3
97.36%
Median
25.77%
V
21.75%
Q1
0.00%
Min
0.00%
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Apple (AAPL) vs. Visa (V): A comparison of their payout ratio against their respective Technology Hardware & Equipment and Financial Services industry group benchmarks.

Dividend Metrics

Dividend metrics for Apple (AAPL) and Visa (V)
MetricAAPLV
Dividend Yield (TTM)0.31%0.66%
Dividend Payout Ratio (TTM)11.80%21.75%

Valuation

P/E Ratio (TTM)

Apple (AAPL) at 38.13 is near its industry’s usual P/E ratio, while Visa (V) at 34.31 sits in the richer quartile — V needs stronger growth or earnings quality to justify the premium.

AAPL

Technology Hardware & Equipment industry group

38.13

Max
69.48
Q3
41.02
AAPL
38.13
Median
26.39
Q1
19.36
Min
6.07

V

Financial Services industry group

34.31

Max
45.85
V
34.31
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
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Apple (AAPL) vs. Visa (V): A comparison of their P/E ratio against their respective Technology Hardware & Equipment and Financial Services industry group benchmarks.

P/S Ratio (TTM)

Both look expensive on sales: Apple (AAPL) at 10.39 sits in the upper P/S ratio quartile, and Visa (V) at 17.18 prices even higher, above its industry range.

AAPL

Technology Hardware & Equipment industry group

10.39

Max
11.30
AAPL
10.39
Q3
5.82
Median
2.56
Q1
1.05
Min
0.00

V

Financial Services industry group

17.18

V
17.18
Max
9.23
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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Apple (AAPL) vs. Visa (V): A comparison of their P/S ratio against their respective Technology Hardware & Equipment and Financial Services industry group benchmarks.

P/B Ratio (MRQ)

Measured against book value, both Apple (AAPL) at 44.39 and Visa (V) at 22.05 look expensive — each P/B ratio sits above its industry’s benchmark range.

AAPL

Technology Hardware & Equipment industry group

44.39

AAPL
44.39
Max
10.75
Q3
5.52
Median
3.17
Q1
1.79
Min
0.33

V

Financial Services industry group

22.05

V
22.05
Max
7.79
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
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Apple (AAPL) vs. Visa (V): A comparison of their P/B ratio against their respective Technology Hardware & Equipment and Financial Services industry group benchmarks.

Valuation Metrics

Valuation metrics for Apple (AAPL) and Visa (V)
MetricAAPLV
P/E Ratio (TTM)38.1334.31
P/S Ratio (TTM)10.3917.18
P/B Ratio (MRQ)44.3922.05
Free Cash Flow Yield (TTM)2.12%--