American Express Company (AXP)vsGreen Dot Corporation (GDOT)
AXP
American Express Company
$300.24
-0.58%
FINANCIAL SERVICES · Cap: $208.03B
GDOT
Green Dot Corporation
$11.17
-0.89%
FINANCIAL SERVICES · Cap: $626.25M
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 3129% more annual revenue ($66.97B vs $2.07B). AXP leads profitability with a 16.2% profit margin vs -4.8%. GDOT appears more attractively valued with a PEG of 1.49. AXP earns a higher WallStSmart Score of 66/100 (B-).
AXP
Strong Buy66
out of 100
Grade: B-
GDOT
Buy60
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+41.4%
Fair Value
$512.74
Current Price
$300.24
$212.50 discount
Intrinsic value data unavailable for GDOT.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 34 in profit
Generating 2.3B in free cash flow
Reasonable price relative to book value
Conservative balance sheet, low leverage
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
4.2% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
ROE of -11.2% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : GDOT
The strongest argument for GDOT centers on Price/Book, Debt/Equity. Revenue growth of 14.8% demonstrates continued momentum. PEG of 1.49 suggests the stock is reasonably priced for its growth.
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 : GDOT
The primary concerns for GDOT are EPS Growth, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
AXP profiles as a mature stock while GDOT is a turnaround play — different risk/reward profiles.
AXP carries more volatility with a beta of 1.15 — expect wider price swings.
GDOT is growing revenue faster at 14.8% — sustainability is the question.
AXP generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
AXP scores higher overall (66/100 vs 60/100), backed by strong 16.2% margins and 10.6% 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
Want to dig deeper into these stocks?