WallStSmart

Federal Agricultural Mortgage Corporation (AGM-A)vsAmerican Express Company (AXP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

American Express Company generates 17759% more annual revenue ($68.81B vs $385.31M). AGM-A leads profitability with a 56.3% profit margin vs 16.3%. AGM-A appears more attractively valued with a PEG of 0.65. AGM-A earns a higher WallStSmart Score of 73/100 (B).

AGM-A

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 7.7Quality: 3.3
Piotroski: 2/9

AXP

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 5.0Quality: 3.5
Piotroski: 4/9Altman Z: 0.13

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGM-A5 strengths · Avg: 9.6/10
P/E RatioValuation
8.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
56.3%10/10

Keeps 56 of every $100 in revenue as profit

Operating MarginProfitability
68.6%10/10

Strong operational efficiency at 68.6%

PEG RatioValuation
0.658/10

Growing faster than its price suggests

AXP4 strengths · Avg: 9.0/10
Market CapQuality
$212.18B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
33.0%10/10

Every $100 of equity generates 33 in profit

Operating MarginProfitability
21.2%8/10

Strong operational efficiency at 21.2%

Free Cash FlowQuality
$2.65B8/10

Generating 2.7B in free cash flow

Areas to Watch

AGM-A3 concerns · Avg: 2.3/10
Market CapQuality
$1.52B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Debt/EquityHealth
20.101/10

Elevated debt levels

AXP3 concerns · Avg: 3.0/10
PEG RatioValuation
1.544/10

Expensive relative to growth rate

Debt/EquityHealth
1.783/10

Elevated debt levels

Altman Z-ScoreHealth
0.132/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : AGM-A

The strongest argument for AGM-A centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 56.3% and operating margin at 68.6%. Revenue growth of 14.2% demonstrates continued momentum.

Bull Case : AXP

The strongest argument for AXP centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 16.3% and operating margin at 21.2%. Revenue growth of 11.6% demonstrates continued momentum.

Bear Case : AGM-A

The primary concerns for AGM-A are Market Cap, Piotroski F-Score, Debt/Equity. Debt-to-equity of 20.10 is elevated, increasing financial risk.

Bear Case : AXP

The primary concerns for AXP are PEG Ratio, Debt/Equity, Altman Z-Score. Debt-to-equity of 1.78 is elevated, increasing financial risk.

Key Dynamics to Monitor

AXP carries more volatility with a beta of 1.08 — expect wider price swings.

AGM-A is growing revenue faster at 14.2% — sustainability is the question.

AXP generates stronger free cash flow (2.7B), providing more financial flexibility.

Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

AGM-A scores higher overall (73/100 vs 68/100), backed by strong 56.3% margins and 14.2% 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.

Federal Agricultural Mortgage Corporation

FINANCIAL SERVICES · CREDIT SERVICES · USA

Federal Agricultural Mortgage Corporation offers a secondary market for various loans made to borrowers in the United States. The company is headquartered in Washington, District of Columbia.

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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.

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