AAPL vs SPY Stock Comparison
SPY currently leads AAPL in this stock comparison, with AIQ scores of 66 vs 63. The clearest difference is risk resilience, while AAPL has the stronger momentum profile.
What is the main difference between AAPL and SPY?
SPY leads the current stock comparison as State Street SPDR S&P 500 ETF, with the clearest separation coming from risk resilience and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Apple Inc. vs State Street SPDR S&P 500 ETF
SPY leads
SPY leads by 3 AIQ points, primarily on Risk Resilience and Quality.
Fragile: 1 of 4 evidence groups support SPY, and its current signal state is conflicted.
Apple Inc.
State Street SPDR S&P 500 ETF
The Algovestiq AIQ Score currently favors SPY over AAPL, 66 versus 63 as of Oct 21, 2026. SPY's advantage is driven primarily by stronger risk resilience and quality, while AAPL holds the stronger momentum profile. SPY also shows the weaker technical structure relative to its 50-day moving average. 1 of 4 covered evidence groups favor SPY today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 3 points. SPY lead: Stable — the AIQ differential has held near 3 points over 30 sessions.
Compare Apple Inc. and State Street SPDR S&P 500 ETF across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare AAPL and SPY against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Risk Resilience68 vs 88SPY +20
- Momentum70 vs 63AAPL +7
- Quality80 vs 84SPY +4
- Value38 vs 41Even
1 of 4 evidence groups favor SPY. SPY’s edge is concentrated in risk resilience and quality; AAPL keeps a meaningful momentum edge.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum -9
New signals
- MACD Bearish Crossover — bearish, momentum, short horizon
Largest factor move: Momentum +16
New signals
- Uptrend Structure Active — bullish, trend, long horizon
The lead changed hands: SPY moved ahead of AAPL in the latest session.
Deeper signal detail for each name lives on its own signals page — AAPL and SPY both carry a full feed there.
The central trade-off
SPY (State Street SPDR S&P 500 ETF): the stronger current systematic profile, led by risk resilience and quality.
AAPL (Apple Inc.): the counter-case, on momentum, technicals — but at materially higher volatility, 16.4% against 9%.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
SPYSPY on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
EvenGrowth figures are not covered for both names.
Value
EvenThe two are level on Value.
Momentum
AAPLAAPL on the Momentum factor, by 7 points.
Lower downside
SPYSPY on Risk Resilience, by 20 points.
Analyst upside
EvenAnalyst targets are level or not covered for both names.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | AAPL | SPY | Note |
|---|---|---|---|
| Implied upside to target | -3.3% | — | Level |
| Target dispersion | +46.6% | — | Lower is tighter analyst agreement |
| Consensus | Buy | — | Context, not a primary driver |
| Analysts covering | 19 | — | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
1 of 4 covered evidence groups favor SPY. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 63 vs 66 |
| Fundamentals | Not covered | Not covered |
| Valuation | Even | Value 38 vs 41 |
| Technicals | AAPL | Price vs 50-day 5.2% vs 0.6%; vs 200-day 15.8% vs 5.9% |
| Risk Resilience | SPY | Risk Resilience 68 vs 88 |
| Analyst expectations | Not covered | Not covered |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of AAPL and SPY and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 3 points. (argues the conclusion is provisional)
- Only 1 of 4 covered evidence groups agree. (argues the conclusion is provisional)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on SPY.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20SPY lead: Stable — the AIQ differential has held near 3 points over 30 sessions.
- Today
- SPY +3
- 63 vs 66
- 7 sessions ago
- SPY +5
- 61 vs 66
- 30 sessions ago
- SPY +3
- 63 vs 66
- 90 sessions ago
- SPY +19
- 51 vs 70
The lead changed hands 10 times in this window, most recently on Oct 20 when SPY moved ahead of AAPL.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
4 bullish / 1 bearish, conflicted
No signal that the other name lacks.
4 bullish / 1 bearish / 1 neutral, conflicted
Only SPY
- ATR Contraction - Coiling — neutral, volatility, short horizon (0.92%)
Both carry 5 more signals that do not separate them: Golden Cross Active, EMA Ribbon Expansion Bullish, 52-Week High Proximity, Uptrend Structure Active, MACD Bearish Crossover.
SPY leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price is up while the AIQ Score moved down 2 points over the same session — price and model disagree (price +1.32%, AIQ -2 points).
Price and the AIQ Score both moved up over the latest session (price +0.53%, AIQ +4 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1AAPL closes the Risk Resilience gap — currently 20 points behind, the largest single contributor to SPY's edge.
- 2AAPL generates a confirmed bullish trend signal it does not currently carry, such as MACD Bullish Crossover.
- 3SPY's conflicting signal state resolves bearish — it currently carries 4 bullish and 1 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
Split| Metric | AAPL | SPY |
|---|---|---|
| Revenue growth (YoY) | -1.6% | — |
| EPS growth (YoY) | 1% | — |
| Gross margin | 48.7% | — |
| Operating margin | 33.2% | — |
| Return on equity (TTM) | 137.2% | — |
| Debt to equity | 0.78 | — |
Performance
AAPL leads 6 of 6 windows| Metric | AAPL | SPY |
|---|---|---|
| 1 week (5 sessions) | -0.5% | -1.2% |
| 1 month (20 sessions) | -0.1% | -0.6% |
| 3 months (63 sessions) | 4.2% | 2.9% |
| 6 months (126 sessions) | 27.6% | 9.2% |
| Year to date | 24.9% | 12.8% |
| 1 year (252 sessions) | 37.2% | 16.4% |
Technicals
AAPL has the stronger structure| Metric | AAPL | SPY |
|---|---|---|
| RSI (14) | 60.5 | 56.2 |
| ADX (14) | 17.9 | 12.5 |
| Price vs 50-day | 5.2% | 0.6% |
| Price vs 200-day | 15.8% | 5.9% |
| Volatility (1M, annualized) | 16.4% | 9% |
Risk
SPY is the more resilient| Metric | AAPL | SPY |
|---|---|---|
| Beta | 0.62 | 1 |
| Sharpe ratio | 1.18 | 0.91 |
| Sortino ratio | 1.6 | 1.39 |
| Max drawdown | -13.8% | -9.1% |
| Current drawdown | -1.1% | -1.3% |
| Annualized volatility | 24.4% | 12.8% |
| Value at risk (95%) | -2% | -1.4% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, AAPL or SPY?
On the Algovestiq AIQ Score, SPY is the stronger of the two as of Oct 21, 2026, scoring 66 against AAPL's 63. The edge comes from risk resilience and quality. AAPL is not without a case — it holds the better momentum profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is AAPL or SPY the better buy right now?
SPY carries the stronger systematic profile as of Oct 21, 2026, and the comparison is rated Fragile — 1 of 4 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 3 points. Treat the lead as provisional.
Why does the AIQ Score favor SPY over AAPL?
The composite weights Quality, Value, Momentum and Risk Resilience. SPY leads Risk Resilience by 20 points; AAPL leads Momentum by 7 points; SPY leads Quality by 4 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, AAPL or SPY?
Analyst price targets imply -3.3% upside for AAPL and not covered for SPY. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, AAPL or SPY?
Neither name separates on the peer-relative Value factor. The two are level on Value. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, AAPL or SPY?
Growth figures are not covered for both names. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, AAPL or SPY?
AAPL on the Momentum factor, by 7 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, AAPL or SPY?
SPY is the more resilient of the two, so the other name carries the higher downside risk. SPY on Risk Resilience, by 20 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is AAPL more profitable than SPY?
Margin data is not comparable for both names in the current snapshot.
Is SPY's lead over AAPL getting stronger or weaker?
SPY lead: Stable — the AIQ differential has held near 3 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-21 and 2026-10-20. The lead has changed hands 10 times in that window, most recently on 2026-10-20, when SPY moved ahead of AAPL.
What would change the AAPL vs SPY verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: AAPL closes the Risk Resilience gap — currently 20 points behind, the largest single contributor to SPY's edge; AAPL generates a confirmed bullish trend signal it does not currently carry, such as MACD Bullish Crossover; SPY's conflicting signal state resolves bearish — it currently carries 4 bullish and 1 bearish rules at once; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about AAPL and SPY?
AAPL: 4 bullish / 1 bearish, conflicted. SPY: 4 bullish / 1 bearish / 1 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on AAPL is Golden Cross Active (bullish, long horizon). On SPY it is Golden Cross Active (bullish, long horizon).
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.