Apple Inc. (AAPL) Financial Analysis — Fisclear

Valuation

Technology

Live · Yahoo Finance

Price

$296.43

52-Week Range

$195.07$296.43 now$317.40

Decision Context

Beneish M-Score flags possible earnings quality concerns. The financial metrics above warrant additional scrutiny of reported figures.

Based on filing period ending Mar 2026

FisclearScore is a quantitative model using public financial data and sector median benchmarks (refreshed monthly). Not financial advice. Always conduct independent due diligence.

AAPL vs

Macro Context

Fed Funds Rate

3.64%

Accommodative

10-Year Treasury

4.32%

2026-04-01

Unemployment

4.3%

Near full employment

CPI Index

330.3

2026-03-01

M2 Money Supply

$22.7T

2026-03-01

The Federal Funds rate stands at 3.64% — a moderately elevated rate environment that raises borrowing costs across the economy; 10-year Treasury yields are at 4.32%, setting the benchmark for long-term corporate borrowing; Unemployment stands at 4.3%; Industrial production index is at 101.8; M2 money supply is $22.7T; CPI index stands at 330.3.

SWOT Analysis — AAPL

Inflationary Boom

Macro lens (Inflationary Boom): Rising costs and tighter margins amplify financial risks in this regime.

✦

Strengths

Revenue: $265.6B (+200.8% YoY) — Revenue grew 201% — the company sold more goods or services than the prior year.
EPS (Diluted): $7.46 (+22.7% YoY) — Earnings per share rose 23% — each share earned more.
Net Income: $112.0B (+19.5% YoY) — Profit grew 19% — the company kept more of each dollar earned.
Gross Profit: $195.2B (+8.0% YoY) — Gross profit rose 8% — the spread between revenue and direct costs improved.

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Weaknesses

Operating Cash Flow: $111.5B (-5.7% YoY) — Operating cash flow fell 6% but remained positive.

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Opportunities

No clear opportunities identified at this time.

⚠

Threats

Current ratio of 0.89x — short-term liabilities exceed current assets, which could create near-term liquidity pressure.
Total liabilities represent 79% of total assets — elevated leverage that amplifies both gains and losses.
Gross margin compressed by 131.1pp — input costs or pricing pressure is eroding profitability on each dollar of revenue.

Financial Charts

Revenue vs Net Income

Gross Profit vs Operating Income

Margin Trend

Operating Cash Flow

Year-over-Year Changes

Revenue

$265.6B

was $88.3B

+200.8%

Revenue grew 201% — the company sold more goods or services than the prior year.

EPS (Diluted)

$7.46

was $6.08

+22.7%

Earnings per share rose 23% — each share earned more.

Net Income

$112.0B

was $93.7B

+19.5%

Profit grew 19% — the company kept more of each dollar earned.

Gross Profit

$195.2B

was $180.7B

+8.0%

Gross profit rose 8% — the spread between revenue and direct costs improved.

Operating Cash Flow

$111.5B

was $118.3B

−5.7%

Operating cash flow fell 6% but remained positive.

Risk Flags

1 high · 2 medium · 0 low

⚠ High
Current ratio of 0.89x — short-term liabilities exceed current assets, which could create near-term liquidity pressure.
◈ Medium
Total liabilities represent 79% of total assets — elevated leverage that amplifies both gains and losses.
◈ Medium
Gross margin compressed by 131.1pp — input costs or pricing pressure is eroding profitability on each dollar of revenue.