WallStSmart

American Express Company (AXP)vsLM Funding America Inc (LMFA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

American Express Company generates 884908% more annual revenue ($66.97B vs $7.57M). AXP leads profitability with a 16.2% profit margin vs -92.9%. AXP earns a higher WallStSmart Score of 66/100 (B-).

AXP

Strong Buy

66

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 10.0Quality: 5.0
Piotroski: 4/9Altman Z: 0.13

LMFA

Hold

39

out of 100

Grade: F

Growth: 4.7Profit: 2.0Value: 5.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AXPUndervalued (+41.4%)

Margin of Safety

+41.4%

Fair Value

$512.74

Current Price

$300.24

$212.50 discount

UndervaluedFair: $512.74Overvalued

Intrinsic value data unavailable for LMFA.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AXP3 strengths · Avg: 9.3/10
Market CapQuality
$208.03B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
34.0%10/10

Every $100 of equity generates 34 in profit

Free Cash FlowQuality
$2.35B8/10

Generating 2.3B in free cash flow

LMFA2 strengths · Avg: 10.0/10
Price/BookValuation
0.1x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
71.7%10/10

Revenue surging 71.7% year-over-year

Areas to Watch

AXP3 concerns · Avg: 3.0/10
PEG RatioValuation
1.524/10

Expensive relative to growth rate

Debt/EquityHealth
1.733/10

Elevated debt levels

Altman Z-ScoreHealth
0.132/10

Distress zone — elevated risk

LMFA4 concerns · Avg: 2.3/10
Market CapQuality
$5.15M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-18.6%2/10

ROE of -18.6% — below average capital efficiency

EPS GrowthGrowth
-89.4%2/10

Earnings declined 89.4%

Free Cash FlowQuality
$-3.33M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull 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 : LMFA

The strongest argument for LMFA centers on Price/Book, Revenue Growth. Revenue growth of 71.7% 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 : LMFA

The primary concerns for LMFA are Market Cap, Return on Equity, EPS Growth.

Key Dynamics to Monitor

AXP profiles as a mature stock while LMFA is a hypergrowth play — different risk/reward profiles.

LMFA carries more volatility with a beta of 2.36 — expect wider price swings.

LMFA is growing revenue faster at 71.7% — 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 39/100), backed by strong 16.2% margins and 10.6% revenue growth. Both earn "Strong Buy" and "Hold" 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.

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LM Funding America Inc

FINANCIAL SERVICES · CREDIT SERVICES · USA

LM Funding America, Inc., through its subsidiary, LM Funding, LLC, is a specialized finance company. The company is headquartered in Tampa, Florida.

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