American Express Company (AXP)vsEnova International Inc (ENVA)
AXP
American Express Company
$300.24
-0.58%
FINANCIAL SERVICES · Cap: $208.03B
ENVA
Enova International Inc
$136.66
-0.52%
FINANCIAL SERVICES · Cap: $3.44B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 4392% more annual revenue ($66.97B vs $1.49B). ENVA leads profitability with a 20.7% profit margin vs 16.2%. ENVA trades at a lower P/E of 11.9x. ENVA earns a higher WallStSmart Score of 73/100 (B).
AXP
Strong Buy66
out of 100
Grade: B-
ENVA
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+41.4%
Fair Value
$512.74
Current Price
$300.24
$212.50 discount
Margin of Safety
+71.7%
Fair Value
$539.60
Current Price
$136.66
$402.94 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 34 in profit
Generating 2.3B in free cash flow
Attractively priced relative to earnings
Every $100 of equity generates 24 in profit
Keeps 21 of every $100 in revenue as profit
Reasonable price relative to book value
Strong operational efficiency at 23.6%
Revenue surging 22.9% year-over-year
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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 : ENVA
The strongest argument for ENVA centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 20.7% and operating margin at 23.6%. Revenue growth of 22.9% 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 : ENVA
The primary concerns for ENVA are Altman Z-Score.
Key Dynamics to Monitor
AXP profiles as a mature stock while ENVA is a growth play — different risk/reward profiles.
ENVA carries more volatility with a beta of 1.22 — expect wider price swings.
ENVA is growing revenue faster at 22.9% — sustainability is the question.
AXP generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
ENVA scores higher overall (73/100 vs 66/100), backed by strong 20.7% margins and 22.9% revenue growth. AXP offers better value entry with a 41.4% margin of safety. 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.
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 →Enova International Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Enova International, Inc., a technology and analytics company, offers online financial services in the United States, Brazil, Australia, and Canada. The company is headquartered in Chicago, Illinois.
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