Atlanticus Holdings Corporation (ATLC)vsAmerican Express Company (AXP)
ATLC
Atlanticus Holdings Corporation
$55.97
-0.60%
FINANCIAL SERVICES · Cap: $827.79M
AXP
American Express Company
$300.24
-0.58%
FINANCIAL SERVICES · Cap: $208.03B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 11920% more annual revenue ($66.97B vs $557.17M). ATLC leads profitability with a 21.9% profit margin vs 16.2%. ATLC trades at a lower P/E of 9.2x. ATLC earns a higher WallStSmart Score of 70/100 (B-).
ATLC
Strong Buy70
out of 100
Grade: B-
AXP
Strong Buy66
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+78.5%
Fair Value
$257.00
Current Price
$55.97
$201.03 discount
Margin of Safety
+41.4%
Fair Value
$512.74
Current Price
$300.24
$212.50 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 50.1% year-over-year
Keeps 22 of every $100 in revenue as profit
Strong operational efficiency at 26.3%
Earnings expanding 22.7% YoY
Mega-cap, among the largest globally
Every $100 of equity generates 34 in profit
Generating 2.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ATLC
The strongest argument for ATLC centers on P/E Ratio, Price/Book, Revenue Growth. Profitability is solid with margins at 21.9% and operating margin at 26.3%. Revenue growth of 50.1% demonstrates continued momentum.
Bull Case : AXP
The strongest argument for AXP centers on Market Cap, Return on Equity, Free Cash Flow. Profitability is solid with margins at 16.2% and operating margin at 17.5%. Revenue growth of 10.6% demonstrates continued momentum.
Bear Case : ATLC
The primary concerns for ATLC are Market Cap, Altman Z-Score, Debt/Equity. Debt-to-equity of 9.63 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 1.73 is elevated, increasing financial risk.
Key Dynamics to Monitor
ATLC profiles as a growth stock while AXP is a mature play — different risk/reward profiles.
ATLC carries more volatility with a beta of 1.94 — expect wider price swings.
ATLC is growing revenue faster at 50.1% — sustainability is the question.
AXP generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
ATLC scores higher overall (70/100 vs 66/100), backed by strong 21.9% margins and 50.1% revenue growth. AXP offers better value entry with a 41.4% margin of safety. 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.
Atlanticus Holdings Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Atlanticus Holdings Corporation provides credit and related financial products and services to clients in the United States. The company is headquartered in Atlanta, Georgia.
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
Want to dig deeper into these stocks?