APPF vs. BSY: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at APPF and BSY, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
BSY’s market capitalization of 16.15 billion USD is significantly greater than APPF’s 8.48 billion USD, highlighting its more substantial market valuation.
With betas of 0.87 for APPF and 1.07 for BSY, both stocks show similar sensitivity to overall market movements.
| Symbol | APPF | BSY |
|---|---|---|
| Company Name | AppFolio, Inc. | Bentley Systems, Incorporated |
| Country | US | US |
| Sector | Technology | Technology |
| Industry | Software - Application | Software - Application |
| CEO | Shane Trigg | Nicholas H. Cumins |
| Price | 235.49 USD | 55.345 USD |
| Market Cap | 8.48 billion USD | 16.15 billion USD |
| Beta | 0.87 | 1.07 |
| Exchange | NASDAQ | NASDAQ |
| IPO Date | June 26, 2015 | September 23, 2020 |
| ADR | No | No |
Historical Performance
This chart compares the performance of APPF and BSY by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.
Data is adjusted for dividends and splits.
Profitability
Return on Equity
APPF
44.58%
Software - Application Industry
- Max
- 59.01%
- Q3
- 17.85%
- Median
- 4.73%
- Q1
- -10.56%
- Min
- -52.94%
In the upper quartile for the Software - Application industry, APPF’s Return on Equity of 44.58% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
BSY
24.63%
Software - Application Industry
- Max
- 59.01%
- Q3
- 17.85%
- Median
- 4.73%
- Q1
- -10.56%
- Min
- -52.94%
In the upper quartile for the Software - Application industry, BSY’s Return on Equity of 24.63% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Return on Invested Capital
APPF
35.07%
Software - Application Industry
- Max
- 35.07%
- Q3
- 9.72%
- Median
- 0.76%
- Q1
- -8.68%
- Min
- -34.12%
In the upper quartile for the Software - Application industry, APPF’s Return on Invested Capital of 35.07% signifies a highly effective use of its capital to generate profits when compared to its peers.
BSY
10.64%
Software - Application Industry
- Max
- 35.07%
- Q3
- 9.72%
- Median
- 0.76%
- Q1
- -8.68%
- Min
- -34.12%
In the upper quartile for the Software - Application industry, BSY’s Return on Invested Capital of 10.64% signifies a highly effective use of its capital to generate profits when compared to its peers.
Net Profit Margin
APPF
23.87%
Software - Application Industry
- Max
- 48.14%
- Q3
- 16.07%
- Median
- 1.83%
- Q1
- -9.60%
- Min
- -45.64%
A Net Profit Margin of 23.87% places APPF in the upper quartile for the Software - Application industry, signifying strong profitability and more effective cost management than most of its peers.
BSY
18.46%
Software - Application Industry
- Max
- 48.14%
- Q3
- 16.07%
- Median
- 1.83%
- Q1
- -9.60%
- Min
- -45.64%
A Net Profit Margin of 18.46% places BSY in the upper quartile for the Software - Application industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin
APPF
16.41%
Software - Application Industry
- Max
- 51.67%
- Q3
- 15.35%
- Median
- 1.79%
- Q1
- -12.42%
- Min
- -45.17%
An Operating Profit Margin of 16.41% places APPF in the upper quartile for the Software - Application industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
BSY
23.56%
Software - Application Industry
- Max
- 51.67%
- Q3
- 15.35%
- Median
- 1.79%
- Q1
- -12.42%
- Min
- -45.17%
An Operating Profit Margin of 23.56% places BSY in the upper quartile for the Software - Application industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
Profitability at a Glance
| Symbol | APPF | BSY |
|---|---|---|
| Return on Equity (TTM) | 44.58% | 24.63% |
| Return on Assets (TTM) | 34.85% | 7.52% |
| Return on Invested Capital (TTM) | 35.07% | 10.64% |
| Net Profit Margin (TTM) | 23.87% | 18.46% |
| Operating Profit Margin (TTM) | 16.41% | 23.56% |
| Gross Profit Margin (TTM) | 62.77% | 80.60% |
Financial Strength
Current Ratio
APPF
4.64
Software - Application Industry
- Max
- 5.09
- Q3
- 2.84
- Median
- 1.70
- Q1
- 1.12
- Min
- 0.04
APPF’s Current Ratio of 4.64 is in the upper quartile for the Software - Application industry. This signifies a strong liquidity position, suggesting the company is well-equipped to cover its immediate liabilities compared to its peers.
BSY
0.49
Software - Application Industry
- Max
- 5.09
- Q3
- 2.84
- Median
- 1.70
- Q1
- 1.12
- Min
- 0.04
BSY’s Current Ratio of 0.49 falls into the lower quartile for the Software - Application industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.
Debt-to-Equity Ratio
APPF
0.09
Software - Application Industry
- Max
- 1.85
- Q3
- 0.77
- Median
- 0.18
- Q1
- 0.05
- Min
- 0.00
APPF’s Debt-to-Equity Ratio of 0.09 is typical for the Software - Application industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
BSY
1.17
Software - Application Industry
- Max
- 1.85
- Q3
- 0.77
- Median
- 0.18
- Q1
- 0.05
- Min
- 0.00
BSY’s leverage is in the upper quartile of the Software - Application industry, with a Debt-to-Equity Ratio of 1.17. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.
Interest Coverage Ratio
APPF
--
Software - Application Industry
- Max
- 39.23
- Q3
- 8.55
- Median
- 1.48
- Q1
- -14.59
- Min
- -39.97
Interest Coverage Ratio data for APPF is currently unavailable.
BSY
16.36
Software - Application Industry
- Max
- 39.23
- Q3
- 8.55
- Median
- 1.48
- Q1
- -14.59
- Min
- -39.97
BSY’s Interest Coverage Ratio of 16.36 is in the upper quartile for the Software - Application industry, signifying a strong and healthy capacity to meet its interest payments from operating profits.
Financial Strength at a Glance
| Symbol | APPF | BSY |
|---|---|---|
| Current Ratio (TTM) | 4.64 | 0.49 |
| Quick Ratio (TTM) | 4.64 | 0.49 |
| Debt-to-Equity Ratio (TTM) | 0.09 | 1.17 |
| Debt-to-Asset Ratio (TTM) | 0.07 | 0.38 |
| Net Debt-to-EBITDA Ratio (TTM) | -0.10 | 2.99 |
| Interest Coverage Ratio (TTM) | -- | 16.36 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for APPF and BSY. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
APPF
0.00%
Software - Application Industry
- Max
- 3.66%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
APPF currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
BSY
0.47%
Software - Application Industry
- Max
- 3.66%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
With a Dividend Yield of 0.47%, BSY offers a more attractive income stream than most of its peers in the Software - Application industry, signaling a strong commitment to shareholder returns.
Dividend Payout Ratio
APPF
0.00%
Software - Application Industry
- Max
- 81.09%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
APPF has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
BSY
29.49%
Software - Application Industry
- Max
- 81.09%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
BSY’s Dividend Payout Ratio of 29.49% is in the upper quartile for the Software - Application industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
Dividend at a Glance
| Symbol | APPF | BSY |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.47% |
| Dividend Payout Ratio (TTM) | 0.00% | 29.49% |
Valuation
Price-to-Earnings Ratio
APPF
43.44
Software - Application Industry
- Max
- 194.31
- Q3
- 98.56
- Median
- 51.87
- Q1
- 22.76
- Min
- 1.02
APPF’s P/E Ratio of 43.44 is within the middle range for the Software - Application industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
BSY
68.17
Software - Application Industry
- Max
- 194.31
- Q3
- 98.56
- Median
- 51.87
- Q1
- 22.76
- Min
- 1.02
BSY’s P/E Ratio of 68.17 is within the middle range for the Software - Application industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Forward P/E to Growth Ratio
APPF
-6.05
Software - Application Industry
- Max
- 15.44
- Q3
- 6.57
- Median
- 2.78
- Q1
- 0.55
- Min
- 0.00
APPF has a negative Forward PEG Ratio of -6.05. This typically results from negative earnings or forecasts of declining future earnings, making the ratio not meaningful for valuation.
BSY
4.96
Software - Application Industry
- Max
- 15.44
- Q3
- 6.57
- Median
- 2.78
- Q1
- 0.55
- Min
- 0.00
BSY’s Forward PEG Ratio of 4.96 is within the middle range of its peers in the Software - Application industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
Price-to-Sales Ratio
APPF
10.29
Software - Application Industry
- Max
- 23.49
- Q3
- 11.14
- Median
- 5.62
- Q1
- 2.84
- Min
- 0.33
APPF’s P/S Ratio of 10.29 aligns with the market consensus for the Software - Application industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
BSY
11.65
Software - Application Industry
- Max
- 23.49
- Q3
- 11.14
- Median
- 5.62
- Q1
- 2.84
- Min
- 0.33
BSY’s P/S Ratio of 11.65 is in the upper echelon for the Software - Application industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.
Price-to-Book Ratio
APPF
18.50
Software - Application Industry
- Max
- 21.03
- Q3
- 10.49
- Median
- 6.36
- Q1
- 2.89
- Min
- 0.12
The P/B Ratio is often not a primary valuation metric for the Software - Application industry.
BSY
15.89
Software - Application Industry
- Max
- 21.03
- Q3
- 10.49
- Median
- 6.36
- Q1
- 2.89
- Min
- 0.12
The P/B Ratio is often not a primary valuation metric for the Software - Application industry.
Valuation at a Glance
| Symbol | APPF | BSY |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 43.44 | 68.17 |
| Forward PEG Ratio (TTM) | -6.05 | 4.96 |
| Price-to-Sales Ratio (P/S, TTM) | 10.29 | 11.65 |
| Price-to-Book Ratio (P/B, TTM) | 18.50 | 15.89 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 47.17 | 37.03 |
| EV-to-EBITDA (TTM) | 52.52 | 43.24 |
| EV-to-Sales (TTM) | 10.27 | 12.52 |