Apple Inc. AAPL

equity

Price History

1985-01 · DCA start$0.129

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

1985-012026-08 · -3.1%

Worst drawdown: −81%, peaking Mar 1991 and bottoming Dec 1997 — 103 months below the prior high before recovering.

DCA Backtest

Start month

Monthly amount (USD)

Invested: $50,000
Value today: $27,336,593
Return: +54573.2%
Months invested: 500

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $90,910 today, so the real (inflation-adjusted) return is +29969.9%.

Lump sum instead — $50,000 all at once in Jan 1985: $116,731,292 (+233362.6%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (May 2026): $399.16 on $400 invested (-0.2%).

⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

	J	F	M	A	M	J	J	A	S	O	N	D
1985
1986
1987
1988
1989
1990
1991
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026

Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 1985-01: +54573.2%

About Apple Inc.

Apple Inc. is an American multinational technology company headquartered in Cupertino, California, in Silicon Valley, and known for consumer electronics, software and online services. Founded in 1976 as the Apple Computer Company by Steve Jobs, Steve Wozniak and Ronald Wayne, the company was incorporated by Jobs and Wozniak as Apple Computer, Inc. the following year. Its current name was adopted in 2007 as the company expanded its focus from computers to consumer electronics. Apple is one of the Big Tech companies. (Wikipedia)

It's a listed company categorised under information technology and technology hardware, storage & peripherals, with a market cap of about $4.41T.

It rates Medium-Low Risk at 1.9/5, meaning the rated factors are mostly sound, with one or two areas worth watching.

What pushes the score up: market / volatility (3.0/5).

Scoring well: sector / regulatory at 1.0/5.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

Medium-Low Risk(1.9/5)100% rated

How these ratings work

Market / Volatility3.0/5 · weight 20%

Annualised volatility (3yr)2/521.4
Max drawdown from ATH4/580.7
Beta vs S&P 5003/51.3

Liquidity1.0/5 · weight 15%

Avg daily $ volume1/516.9bn
Float % of shares outstanding1/599.9

Leverage / Financial2.0/5 · weight 20%

Debt / equity3/51.4
Interest coverage (EBIT / interest)1/529.9

Earnings Quality2.0/5 · weight 15%

3yr EPS volatility2/512.0

Concentration1.0/5 · weight 10%

Largest customer, % of revenue1/58.0
Geographic revenue concentration1/5diversified

Governance2.0/5 · weight 10%

Board independence %1/587.5
Share structure1/5single class
Litigation / audit history4/5material pending or restatement

Sector / Regulatory1.0/5 · weight 10%

Sector regulatory exposure1/5low

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.