Affirm Holdings Inc (AFRM)vsAmerican Express Company (AXP)
AFRM
Affirm Holdings Inc
$68.11
-2.23%
FINANCIAL SERVICES · Cap: $24.52B
AXP
American Express Company
$324.97
-1.22%
FINANCIAL SERVICES · Cap: $213.98B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 1610% more annual revenue ($72.85B vs $4.26B). AFRM leads profitability with a 45.3% profit margin vs 16.8%. AXP appears more attractively valued with a PEG of 1.32. AXP earns a higher WallStSmart Score of 72/100 (B).
AFRM
Strong Buy70
out of 100
Grade: B
AXP
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 35 in profit
Keeps 45 of every $100 in revenue as profit
Revenue surging 33.0% year-over-year
Earnings expanding 2187.0% YoY
Attractively priced relative to earnings
Mega-cap, among the largest globally
Every $100 of equity generates 34 in profit
Attractively priced relative to earnings
Earnings expanding 30.9% YoY
Generating 4.0B in free cash flow
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AFRM
The strongest argument for AFRM centers on Return on Equity, Profit Margin, Revenue Growth. Profitability is solid with margins at 45.3% and operating margin at 12.6%. Revenue growth of 33.0% demonstrates continued momentum.
Bull Case : AXP
The strongest argument for AXP centers on Market Cap, Return on Equity, P/E Ratio. Profitability is solid with margins at 16.8% and operating margin at 18.4%. Revenue growth of 11.3% demonstrates continued momentum.
Bear Case : AFRM
The primary concerns for AFRM are Debt/Equity, Piotroski F-Score, PEG Ratio. Debt-to-equity of 1.79 is elevated, increasing financial risk.
Bear Case : AXP
The primary concerns for AXP are Debt/Equity, Altman Z-Score. Debt-to-equity of 1.67 is elevated, increasing financial risk.
Key Dynamics to Monitor
AFRM profiles as a growth stock while AXP is a mature play — different risk/reward profiles.
AFRM carries more volatility with a beta of 3.82 — expect wider price swings.
AFRM is growing revenue faster at 33.0% — sustainability is the question.
AXP generates stronger free cash flow (4.0B), providing more financial flexibility.
Bottom Line
AXP scores higher overall (72/100 vs 70/100), backed by strong 16.8% margins and 11.3% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Affirm Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Affirm Holdings, Inc. operates a platform for digital and mobile commerce in the United States and Canada. The company is headquartered in San Francisco, California.
Visit Website →American Express Company
FINANCIAL SERVICES · CREDIT SERVICES · USA
The American Express Company is a multinational financial services corporation headquartered at 200 Vesey Street in the Battery Park City neighborhood of Lower Manhattan in New York City.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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