Atlanticus Holdings Corporation (ATLC)vsAmerican Express Company (AXP)
ATLC
Atlanticus Holdings Corporation
$84.10
+2.29%
FINANCIAL SERVICES · Cap: $1.15B
AXP
American Express Company
$310.66
+2.18%
FINANCIAL SERVICES · Cap: $212.18B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 10842% more annual revenue ($68.81B vs $628.89M). ATLC leads profitability with a 21.4% profit margin vs 16.3%. ATLC trades at a lower P/E of 11.5x. ATLC earns a higher WallStSmart Score of 76/100 (B+).
ATLC
Strong Buy76
out of 100
Grade: B+
AXP
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Strong operational efficiency at 31.0%
Revenue surging 60.8% year-over-year
Earnings expanding 50.2% YoY
Keeps 21 of every $100 in revenue as profit
Reasonable price relative to book value
Mega-cap, among the largest globally
Every $100 of equity generates 33 in profit
Strong operational efficiency at 21.2%
Generating 2.7B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ATLC
The strongest argument for ATLC centers on P/E Ratio, Operating Margin, Revenue Growth. Profitability is solid with margins at 21.4% and operating margin at 31.0%. Revenue growth of 60.8% demonstrates continued momentum.
Bull Case : AXP
The strongest argument for AXP centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 16.3% and operating margin at 21.2%. Revenue growth of 11.6% demonstrates continued momentum.
Bear Case : ATLC
The primary concerns for ATLC are Market Cap, Piotroski F-Score, Altman Z-Score. Debt-to-equity of 9.23 is elevated, increasing financial risk.
Bear Case : AXP
The primary concerns for AXP are PEG Ratio, Debt/Equity, Altman Z-Score. Debt-to-equity of 1.78 is elevated, increasing financial risk.
Key Dynamics to Monitor
ATLC profiles as a growth stock while AXP is a mature play — different risk/reward profiles.
ATLC carries more volatility with a beta of 2.15 — expect wider price swings.
ATLC is growing revenue faster at 60.8% — sustainability is the question.
AXP generates stronger free cash flow (2.7B), providing more financial flexibility.
Bottom Line
ATLC scores higher overall (76/100 vs 68/100), backed by strong 21.4% margins and 60.8% revenue growth. Both earn "Strong Buy" and "Strong 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.
Atlanticus Holdings Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Atlanticus Holdings Corporation provides credit and related financial products and services to clients in the United States. The company is headquartered in Atlanta, Georgia.
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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