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Globe and Mail
3 days ago
- Business
- Globe and Mail
Where Will Apple Stock Be in 5 Years?
Key Points Apple has created a powerful and sticky ecosystem, but sizable growth is difficult to come by these days. Thanks to impressive profitability, Apple will continue to return massive amounts of cash to shareholders. Apple shares have outperformed the S&P 500 in the past five years. 10 stocks we like better than Apple › Apple (NASDAQ: AAPL) is a business that needs no introduction. The massive consumer tech enterprise has become an iconic brand, thanks to its popular products and services that are used by consumers across the globe. This positioning has made the company one of the world's most valuable, with a current market cap of $3.1 trillion. This " Magnificent Seven" constituent has been a huge winner, with the stock up 119% in the past five years (as of July 9). That performance comes in ahead of the S&P 500 index even though shares of the company are 19% below their peak. Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now. Learn More » Where will Apple stock be in five years? Apple will remain a dominant force Without a doubt, Apple has developed one of the strongest brands on the planet. Hardware devices like the iPhone, MacBook, and AirPods, as well as services such as Music, Pay, the App Store, and advertising, have contributed to the company's success. There are roughly 2.4 billion active Apple devices out there. And the leadership team says that Apple now has more than 1 billion paid subscriptions. These are crazy numbers. This has made Apple a dominant force in the tech landscape. I don't think that position is going to change over the next five years. That's because Apple's powerful ecosystem keeps customers locked in. The combination of hardware, software, and services is extremely difficult for rivals to compete with. One thing that investors should accept is that Apple's growth going forward probably won't resemble the past. Apple's revenue declined 2.8% in fiscal 2023 before rising by just 2% in fiscal 2024. The consensus view is that the top line will increase by 4.2% this fiscal year. It's difficult to move the needle on such a gargantuan sales base. Returning lots of capital to shareholders Apple's profitability is unbelievably impressive. The company sells its products and services at high margins. And this has a huge impact on the bottom line. Apple raked in $24.8 billion in net income during the latest fiscal quarter (Q2 2025 ended March 29). Management has not shied away from returning lots of capital to shareholders. In fiscal 2024, Apple spent $94.9 billion on stock buybacks. It also paid $15.2 billion in dividends. That extends a long-running streak of rewarding its investors with a favorable capital allocation policy. There is minimal risk of Apple not being able to keep this going over the next five years. Understanding the valuation's impact My long-held view in the past was that Apple shares were overvalued. This perspective was strengthened by slowing revenue growth. There are other lingering challenges to think about, like the dynamic tariff situation with important supplier countries, falling behind in AI innovation, and regulatory concerns. These factors add uncertainty to the mix. Investors might think that it's time for a fresh look at the situation. After all, as mentioned, Apple shares are trading 19% below their peak, a high-water mark established in December 2024. The stock has performed very poorly this year, down 17% (as of July 9). Investors are definitely not used to seeing this from a successful business. However, I still don't believe Apple shares have what it takes to outperform the S&P 500 over the next five years. The valuation is still steep. The stock can be purchased at a price-to-earnings ratio of 32.4. That's above the five-year average. This would be acceptable if growth were better, but this isn't the case. According to Wall Street consensus analyst estimates, Apple's earnings per share will grow at a compound annual rate of 8.7% between fiscal 2024 and fiscal 2027. That's nothing to get excited about. And without meaningful multiple expansion, which isn't a sure thing at all, the stock could trail the market between now and 2030. Should you invest $1,000 in Apple right now? Before you buy stock in Apple, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and Apple wasn't one of them. The 10 stocks that made the cut could produce monster returns in the coming years. Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you'd have $674,432!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you'd have $1,005,854!* Now, it's worth noting Stock Advisor 's total average return is1,049% — a market-crushing outperformance compared to180%for the S&P 500. Don't miss out on the latest top 10 list, available when you join Stock Advisor. See the 10 stocks » *Stock Advisor returns as of July 7, 2025
Rhyl Journal
15-06-2025
- Business
- Rhyl Journal
Sainsbury's shoppers urged to lock Nectar card points
Back in February, the supermarket introduced a new 'Spend Lock' security feature to its Nectar loyalty app. The move was put in place as a way to prevent points from being spent by anyone other than the primary account holder. This meant loyalty members could 'freeze' their points while also choosing to set where their points could be spent. It comes as in January, an investigation by the Daily Mail's This Is Money, found Sainsbury's customers had lost an estimated 12.5 million Nectar points (worth more than £63,000 over the past year) by fraudsters accessing their accounts. But now, Jake Moore, global cybersecurity advisor at Eset is urging shoppers to monitor their account activity "frequently to detect and report any unauthorised actions promptly". He told The Sun: "It is especially important to monitor accounts more often just before Christmas as this is usually when criminals target accounts with points that have been accumulated over the year." Elsewhere, consumer expert Martyn James explained to the publisher that many people will be "unaware" that their Nectar points have disappeared. He shared: "That's because we rarely look at the app or check the total on our receipts." Martyn continued: "Download the latest version of the app and activate the lock feature.' If you haven't locked your Nectar points yet and are wondering how, it's easy - you can do so on the Nectar card app (available for free on the Apple store or Google Play). Once logged in, on your profile icon, head to 'settings' and then tap 'lock or unlock spending'. You then swipe the bar to either 'unlock' or 'lock', depending on your preferences. Have you chosen to lock your Nectar points? (Image: PA) Sainsbury's customers can change whether they want to lock or unlock Nectar points any time through the app – to spend them, they must be unlocked. Additionally, customers can continue to earn points as they shop even when spending is locked. A Nectar spokesperson said: "Nectar is one of the UK's biggest loyalty schemes, with over 23 million members. Recommended reading: Shoppers can get free money at thousands of sites with Counter Cash - here's how Christmas in June? Shoppers say 'must be a wind up' as festive stock hits stores Expert issues petrol pump warning on forecourts at Tesco, Asda, Morrisons & more "The security of our customer accounts is our highest priority and the proportion of those impacted by fraud each year is very small. "We have a range of measures which detect, and in many cases prevent fraud, including our Spend Lock feature. "Our Nectar Helpline team are on hand to support any customer who suspects they may have been a victim of fraud.'
South Wales Guardian
15-06-2025
- Business
- South Wales Guardian
Sainsbury's shoppers urged to lock Nectar card points
Back in February, the supermarket introduced a new 'Spend Lock' security feature to its Nectar loyalty app. The move was put in place as a way to prevent points from being spent by anyone other than the primary account holder. This meant loyalty members could 'freeze' their points while also choosing to set where their points could be spent. It comes as in January, an investigation by the Daily Mail's This Is Money, found Sainsbury's customers had lost an estimated 12.5 million Nectar points (worth more than £63,000 over the past year) by fraudsters accessing their accounts. But now, Jake Moore, global cybersecurity advisor at Eset is urging shoppers to monitor their account activity "frequently to detect and report any unauthorised actions promptly". He told The Sun: "It is especially important to monitor accounts more often just before Christmas as this is usually when criminals target accounts with points that have been accumulated over the year." Elsewhere, consumer expert Martyn James explained to the publisher that many people will be "unaware" that their Nectar points have disappeared. He shared: "That's because we rarely look at the app or check the total on our receipts." Martyn continued: "Download the latest version of the app and activate the lock feature.' If you haven't locked your Nectar points yet and are wondering how, it's easy - you can do so on the Nectar card app (available for free on the Apple store or Google Play). Once logged in, on your profile icon, head to 'settings' and then tap 'lock or unlock spending'. You then swipe the bar to either 'unlock' or 'lock', depending on your preferences. Have you chosen to lock your Nectar points? (Image: PA) Sainsbury's customers can change whether they want to lock or unlock Nectar points any time through the app – to spend them, they must be unlocked. Additionally, customers can continue to earn points as they shop even when spending is locked. A Nectar spokesperson said: "Nectar is one of the UK's biggest loyalty schemes, with over 23 million members. Recommended reading: Shoppers can get free money at thousands of sites with Counter Cash - here's how Christmas in June? Shoppers say 'must be a wind up' as festive stock hits stores Expert issues petrol pump warning on forecourts at Tesco, Asda, Morrisons & more "The security of our customer accounts is our highest priority and the proportion of those impacted by fraud each year is very small. "We have a range of measures which detect, and in many cases prevent fraud, including our Spend Lock feature. "Our Nectar Helpline team are on hand to support any customer who suspects they may have been a victim of fraud.'
