Affirm Holdings Inc (AFRM)vsAmerican Express Company (AXP)
AFRM
Affirm Holdings Inc
$45.05
+0.58%
FINANCIAL SERVICES · Cap: $14.92B
AXP
American Express Company
$300.24
-0.58%
FINANCIAL SERVICES · Cap: $208.03B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 1702% more annual revenue ($66.97B vs $3.72B). AXP leads profitability with a 16.2% profit margin vs 7.6%. AFRM appears more attractively valued with a PEG of 0.20. AXP earns a higher WallStSmart Score of 66/100 (B-).
AFRM
Buy63
out of 100
Grade: C+
AXP
Strong Buy66
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-49.1%
Fair Value
$37.91
Current Price
$45.05
$7.14 premium
Margin of Safety
+41.4%
Fair Value
$512.74
Current Price
$300.24
$212.50 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Earnings expanding 59.3% YoY
Revenue surging 29.6% year-over-year
Mega-cap, among the largest globally
Every $100 of equity generates 34 in profit
Generating 2.3B in free cash flow
Areas to Watch
7.6% margin — thin
Premium valuation, high expectations priced in
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AFRM
The strongest argument for AFRM centers on PEG Ratio, EPS Growth, Revenue Growth. Revenue growth of 29.6% demonstrates continued momentum. PEG of 0.20 suggests the stock is reasonably priced for its growth.
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.
Bear Case : AFRM
The primary concerns for AFRM are Profit Margin, P/E Ratio, Altman Z-Score. A P/E of 55.3x leaves little room for execution misses.
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.
Key Dynamics to Monitor
AFRM profiles as a growth stock while AXP is a mature play — different risk/reward profiles.
AFRM carries more volatility with a beta of 3.73 — expect wider price swings.
AFRM is growing revenue faster at 29.6% — 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 63/100), 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.
Affirm Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Affirm Holdings, Inc. operates a platform for digital and mobile commerce in the United States and Canada. The company is headquartered in San Francisco, California.
Visit Website →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 →Compare with Other CREDIT SERVICES Stocks
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