American Express Company (AXP)vsGreen Dot Corporation (GDOT)
AXP
American Express Company
$308.89
+1.06%
FINANCIAL SERVICES · Cap: $203.92B
GDOT
Green Dot Corporation
$12.25
-4.22%
FINANCIAL SERVICES · Cap: $698.07M
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 2999% more annual revenue ($70.91B vs $2.29B). AXP leads profitability with a 16.1% profit margin vs -1.1%. GDOT appears more attractively valued with a PEG of 1.23. AXP earns a higher WallStSmart Score of 70/100 (B-).
AXP
Strong Buy70
out of 100
Grade: B-
GDOT
Buy61
out of 100
Grade: C+
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
Reasonable price relative to book value
Earnings expanding 97.9% YoY
Conservative balance sheet, low leverage
18.3% revenue growth
Areas to Watch
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
Operating margin of 0.9%
Weak financial health signals
ROE of -2.8% — below average capital efficiency
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 : GDOT
The strongest argument for GDOT centers on Price/Book, EPS Growth, Debt/Equity. Revenue growth of 18.3% demonstrates continued momentum. PEG of 1.23 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 : GDOT
The primary concerns for GDOT are Market Cap, Operating Margin, Piotroski F-Score.
Key Dynamics to Monitor
AXP profiles as a mature stock while GDOT is a growth play — different risk/reward profiles.
AXP carries more volatility with a beta of 1.05 — expect wider price swings.
GDOT is growing revenue faster at 18.3% — 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 61/100), 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.
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 →Green Dot Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Green Dot Corporation is a banking and fintech holding company in the United States. The company is headquartered in Pasadena, California.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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