Apple vs Microsoft
Two of the widest-moat technology franchises side by side — switching-cost moats, capital returns, and valuation compared with Buffett's framework.
| Metric | Apple Inc. AAPL | MICROSOFT CORPORATION MSFT |
|---|---|---|
| ValueOS Score | 80 | 91 |
| Verdict | HOLD | HOLD |
| Moat | Wide Moat | Wide Moat |
| Margin of Safety | -217.3% | -267.7% |
| Intrinsic Value / share | $100.84 | $135.90 |
| Price | $319.97 | $499.70 |
Live scores from the latest SEC filings · refreshed daily. Open any card for the full workup.
The Takeaway
Both Apple and Microsoft are textbook wide-moat businesses: Apple through consumer ecosystem lock-in, Microsoft through enterprise switching costs and cloud scale. The difference for a value investor is rarely the moat — it is the price. Use the live Score, Moat, and DCF cards to see which is trading with the larger margin of safety today. A wonderful business at a fairer price wins.
Frequently Asked Questions
Which has the wider moat, Apple or Microsoft?
Both qualify as wide-moat businesses. Apple's advantage is consumer ecosystem switching costs; Microsoft's is enterprise dependence plus cloud scale. The Score and Moat cards above show the current read for each.
How do I compare them on valuation?
Open the DCF card for each name to see intrinsic value versus live price, then compare margins of safety. The wider the discount to intrinsic value, the more cushion you have.
Run the full workup yourself
Open either name across the three tools for the complete Buffett-style analysis.
Cite this page
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ValueOS Editorial Team. "Apple vs Microsoft." ValueOS. Accessed 2026-09-06. https://getvalueos.com/compare/aapl-vs-msft