Atlanticus Holdings Corporation (ATLC)vsAmerican Express Company (AXP)
ATLC
Atlanticus Holdings Corporation
$94.67
+0.22%
FINANCIAL SERVICES · Cap: $1.43B
AXP
American Express Company
$324.69
+0.96%
FINANCIAL SERVICES · Cap: $219.27B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 9608% more annual revenue ($70.91B vs $730.47M). ATLC leads profitability with a 21.1% profit margin vs 16.1%. ATLC trades at a lower P/E of 12.1x. ATLC earns a higher WallStSmart Score of 71/100 (B).
ATLC
Strong Buy71
out of 100
Grade: B
AXP
Strong Buy70
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 83.3% year-over-year
Earnings expanding 66.0% YoY
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.5%
Mega-cap, among the largest globally
Every $100 of equity generates 33 in profit
Strong operational efficiency at 20.3%
Generating 4.5B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Elevated debt levels
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ATLC
The strongest argument for ATLC centers on Revenue Growth, EPS Growth, Profit Margin. Profitability is solid with margins at 21.1% and operating margin at 29.5%. Revenue growth of 83.3% 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 16.1% and operating margin at 20.3%. Revenue growth of 12.8% demonstrates continued momentum.
Bear Case : ATLC
The primary concerns for ATLC are Market Cap, Piotroski F-Score, Altman Z-Score. Debt-to-equity of 8.48 is elevated, increasing financial risk.
Bear Case : AXP
The primary concerns for AXP are Debt/Equity, Altman Z-Score. Debt-to-equity of 1.72 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 2.02 — expect wider price swings.
ATLC is growing revenue faster at 83.3% — sustainability is the question.
AXP generates stronger free cash flow (4.5B), providing more financial flexibility.
Bottom Line
ATLC scores higher overall (71/100 vs 70/100), backed by strong 21.1% margins and 83.3% 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
Want to dig deeper into these stocks?