InvestMoat

Apple vs Microsoft

Is it even close?

Microsoft wins, 81 to 69, on all three scores.

AAPL · Platforms

Apple Inc.

…

HoldFull analysis

MSFT · Software

Microsoft Corp.

…

AccumulateFull analysis

AAPL

MSFT

Composite
69
81
(higher)
Moat
85
90
(higher)
Growth
66
79
(higher)
Valuation
61
69
(higher)

AAPL

MSFT

Bear
$200
$390
Base
$300
$575
Bull
$385
$700
Upside to base
—
—

AAPL

MSFT

Revenue CAGR, 3–5 yr
7-10%
15–17%

AAPL

MSFT

Proprietary Data
Intact
Strong (higher)
Regulatory Lock-In
N/A
Intact (higher)
Network Effects
Strong
Strong
Transaction Embedding
Strong
Strong
System of Record
Intact
Strong (higher)
Scale Economics
Strong
Strong
Brand & Pricing Power
Strong (higher)
N/A

AAPL

MSFT

Learned Interfaces
Strong (higher)
Intact
Business Logic
Intact
Intact
Public Data Access
N/A
N/A
Talent Scarcity
Intact (higher)
N/A
Bundling
Intact
Strong (higher)

Shaded cells mark the higher score or stronger moat on each row. Valuation and composite use the live price when it is available, the same as each stock page.

Which is the better stock, Apple or Microsoft?

Microsoft wins, 81 to 69, on all three scores. Our rating: Apple Hold, Microsoft Accumulate.

Does Apple or Microsoft have the wider moat?

Microsoft scores 90 on moat to Apple's 85. Apple is rated stronger on learned interfaces. Microsoft is rated stronger on proprietary data, system of record and bundling.

Which is growing faster, Apple or Microsoft?

Microsoft scores 79 on growth to Apple's 66. We expect Apple to grow 7–10% a year, Microsoft 15–17%.

Is Apple or Microsoft cheaper right now?

Microsoft scores 69 on valuation to Apple's 61. In our base case, Microsoft has more upside: +5% vs −6%.

Scores in the answers use the price each valuation was last struck at; the table above updates with the live price. Not investment advice.