American Express Company (AXP)vsBanco Bilbao Viscaya Argentaria SA ADR (BBVA)
AXP
American Express Company
$316.03
-0.83%
FINANCIAL SERVICES · Cap: $217.45B
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$22.28
+1.87%
FINANCIAL SERVICES · Cap: $123.68B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 111% more annual revenue ($68.81B vs $32.61B). BBVA leads profitability with a 33.1% profit margin vs 16.3%. AXP appears more attractively valued with a PEG of 1.55. BBVA earns a higher WallStSmart Score of 71/100 (B).
AXP
Strong Buy68
out of 100
Grade: B-
BBVA
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 34 in profit
Strong operational efficiency at 21.2%
Generating 2.7B in free cash flow
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 54.9%
Large-cap with strong market position
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : BBVA
The strongest argument for BBVA centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 54.9%. Revenue growth of 11.9% demonstrates continued momentum.
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.
Bear Case : BBVA
The primary concerns for BBVA are PEG Ratio, Debt/Equity, Piotroski F-Score.
Key Dynamics to Monitor
AXP carries more volatility with a beta of 1.08 — expect wider price swings.
BBVA is growing revenue faster at 11.9% — sustainability is the question.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BBVA scores higher overall (71/100 vs 68/100), backed by strong 33.1% margins and 11.9% 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.
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 →Banco Bilbao Viscaya Argentaria SA ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Banco Bilbao Vizcaya Argentaria, SA provides retail banking, wholesale banking, asset management and private banking services. The company is headquartered in Bilbao, Spain.
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