American Express Company (AXP)vsQfin Holdings, Inc. (QFIN)
AXP
American Express Company
$327.98
-0.76%
FINANCIAL SERVICES · Cap: $213.98B
QFIN
Qfin Holdings, Inc.
$5.27
-1.50%
FINANCIAL SERVICES · Cap: $640.74M
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 334% more annual revenue ($72.85B vs $16.77B). QFIN leads profitability with a 22.3% profit margin vs 16.8%. QFIN trades at a lower P/E of 1.3x. AXP earns a higher WallStSmart Score of 72/100 (B).
AXP
Strong Buy72
out of 100
Grade: B
QFIN
Buy62
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 34 in profit
Attractively priced relative to earnings
Earnings expanding 30.9% YoY
Generating 4.0B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 32.5%
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Generating 1.1B in free cash flow
Areas to Watch
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 31.6%
Earnings declined 74.3%
Comparative Analysis Report
WallStSmart ResearchBull Case : AXP
The strongest argument for AXP centers on Market Cap, Return on Equity, P/E Ratio. Profitability is solid with margins at 16.8% and operating margin at 18.4%. Revenue growth of 11.3% demonstrates continued momentum.
Bull Case : QFIN
The strongest argument for QFIN centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 22.3% and operating margin at 32.5%.
Bear Case : AXP
The primary concerns for AXP are Debt/Equity, Altman Z-Score. Debt-to-equity of 1.67 is elevated, increasing financial risk.
Bear Case : QFIN
The primary concerns for QFIN are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
AXP profiles as a mature stock while QFIN is a declining play — different risk/reward profiles.
AXP carries more volatility with a beta of 1.08 — expect wider price swings.
AXP is growing revenue faster at 11.3% — sustainability is the question.
AXP generates stronger free cash flow (4.0B), providing more financial flexibility.
Bottom Line
AXP scores higher overall (72/100 vs 62/100), backed by strong 16.8% margins and 11.3% 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 →Qfin Holdings, Inc.
FINANCIAL SERVICES · CREDIT SERVICES · China
360 DigiTech, Inc., operates a digital consumer finance platform under the 360 Jietiao brand in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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