American Express Company (AXP)vsEnova International Inc (ENVA)
AXP
American Express Company
$310.66
+2.18%
FINANCIAL SERVICES · Cap: $212.18B
ENVA
Enova International Inc
$168.82
+0.57%
FINANCIAL SERVICES · Cap: $4.71B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 4255% more annual revenue ($68.81B vs $1.58B). ENVA leads profitability with a 20.7% profit margin vs 16.3%. ENVA trades at a lower P/E of 15.4x. ENVA earns a higher WallStSmart Score of 69/100 (B-).
AXP
Strong Buy68
out of 100
Grade: B-
ENVA
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Every $100 of equity generates 23 in profit
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 26.6%
Revenue surging 25.8% year-over-year
Earnings expanding 28.6% YoY
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : ENVA
The strongest argument for ENVA centers on Return on Equity, Profit Margin, P/E Ratio. Profitability is solid with margins at 20.7% and operating margin at 26.6%. Revenue growth of 25.8% demonstrates continued momentum.
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.
Bear Case : ENVA
The primary concerns for ENVA are Altman Z-Score, Debt/Equity. Debt-to-equity of 3.47 is elevated, increasing financial risk.
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 1.30 — expect wider price swings.
ENVA is growing revenue faster at 25.8% — sustainability is the question.
AXP generates stronger free cash flow (2.7B), providing more financial flexibility.
Bottom Line
ENVA scores higher overall (69/100 vs 68/100), backed by strong 20.7% margins and 25.8% 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.
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.
Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?