Atlanticus Holdings Corp Preferred (ATLCP)vsAmerican Express Company (AXP)
ATLCP
Atlanticus Holdings Corp Preferred
$23.93
-0.12%
FINANCIAL SERVICES · Cap: $619.02M
AXP
American Express Company
$305.66
+1.06%
FINANCIAL SERVICES · Cap: $203.92B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 9608% more annual revenue ($70.91B vs $730.47M). ATLCP leads profitability with a 21.1% profit margin vs 16.1%. ATLCP trades at a lower P/E of 3.1x. AXP earns a higher WallStSmart Score of 70/100 (B-).
ATLCP
Buy57
out of 100
Grade: C
AXP
Strong Buy70
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 83.3% year-over-year
Earnings expanding 66.0% YoY
Every $100 of equity generates 21 in profit
Keeps 21 of every $100 in revenue as profit
Mega-cap, among the largest globally
Every $100 of equity generates 33 in profit
Strong operational efficiency at 20.3%
Generating 4.5B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Elevated debt levels
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ATLCP
The strongest argument for ATLCP centers on P/E Ratio, Price/Book, Revenue Growth. Profitability is solid with margins at 21.1% and operating margin at 29.5%. Revenue growth of 83.3% 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 16.1% and operating margin at 20.3%. Revenue growth of 12.8% demonstrates continued momentum.
Bear Case : ATLCP
The primary concerns for ATLCP are Market Cap, Piotroski F-Score, Altman Z-Score. Debt-to-equity of 8.48 is elevated, increasing financial risk.
Bear Case : AXP
The primary concerns for AXP are Debt/Equity, Altman Z-Score. Debt-to-equity of 1.72 is elevated, increasing financial risk.
Key Dynamics to Monitor
ATLCP profiles as a growth stock while AXP is a mature play — different risk/reward profiles.
ATLCP carries more volatility with a beta of 2.02 — expect wider price swings.
ATLCP is growing revenue faster at 83.3% — sustainability is the question.
AXP generates stronger free cash flow (4.5B), providing more financial flexibility.
Bottom Line
AXP scores higher overall (70/100 vs 57/100), backed by strong 16.1% margins and 12.8% revenue growth. Both earn "Strong Buy" and "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 Corp Preferred
FINANCIAL SERVICES · CREDIT SERVICES · USA
Atlanticus Holdings Corp Preferred (ATLCP) stands at the forefront of the alternative finance industry, focusing on innovative credit solutions that enhance financial accessibility for underserved consumers. As a subsidiary of Atlanticus Holdings Corporation, the company leverages advanced technology and data analytics to overcome traditional lending barriers, offering a diverse array of lending platforms backed by strategic partnerships. ATLCP is strategically positioned to capitalize on growth opportunities while fostering responsible lending practices and promoting financial inclusivity. With a commitment to sustainable value creation, the firm not only empowers consumers through essential financial resources but also seeks to provide attractive risk-adjusted returns for its investors.
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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