American Express Company (AXP)vsConsumer Portfolio Services Inc (CPSS)
AXP
American Express Company
$324.69
+1.24%
FINANCIAL SERVICES · Cap: $219.27B
CPSS
Consumer Portfolio Services Inc
$9.43
+0.64%
FINANCIAL SERVICES · Cap: $203.26M
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 33385% more annual revenue ($70.91B vs $211.77M). AXP leads profitability with a 16.1% profit margin vs 10.2%. CPSS appears more attractively valued with a PEG of 0.33. CPSS earns a higher WallStSmart Score of 73/100 (B).
AXP
Strong Buy70
out of 100
Grade: B-
CPSS
Strong Buy73
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 33 in profit
Strong operational efficiency at 20.3%
Generating 4.5B in free cash flow
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
18.9% revenue growth
Earnings expanding 35.0% YoY
Areas to Watch
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 6.6% — below average capital efficiency
Distress zone — elevated risk
Elevated debt levels
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 16.1% and operating margin at 20.3%. Revenue growth of 12.8% demonstrates continued momentum.
Bull Case : CPSS
The strongest argument for CPSS centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 18.9% demonstrates continued momentum. PEG of 0.33 suggests the stock is reasonably priced for its growth.
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.
Bear Case : CPSS
The primary concerns for CPSS are Market Cap, Return on Equity, Altman Z-Score. Debt-to-equity of 12.56 is elevated, increasing financial risk.
Key Dynamics to Monitor
AXP profiles as a mature stock while CPSS is a growth play — different risk/reward profiles.
CPSS carries more volatility with a beta of 1.11 — expect wider price swings.
CPSS is growing revenue faster at 18.9% — sustainability is the question.
AXP generates stronger free cash flow (4.5B), providing more financial flexibility.
Bottom Line
CPSS scores higher overall (73/100 vs 70/100) and 18.9% 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 →Consumer Portfolio Services Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Consumer Portfolio Services, Inc. is a specialized finance company in the United States. The company is headquartered in Las Vegas, Nevada.
Visit Website →Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?