American Express Company (AXP)vsEZCORP Inc (EZPW)
AXP
American Express Company
$300.24
-0.58%
FINANCIAL SERVICES · Cap: $208.03B
EZPW
EZCORP Inc
$25.60
-2.36%
FINANCIAL SERVICES · Cap: $1.57B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 4912% more annual revenue ($66.97B vs $1.34B). AXP leads profitability with a 16.2% profit margin vs 9.2%. EZPW appears more attractively valued with a PEG of 0.28. EZPW earns a higher WallStSmart Score of 72/100 (B).
AXP
Strong Buy66
out of 100
Grade: B-
EZPW
Strong Buy72
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
+66.2%
Fair Value
$73.48
Current Price
$25.60
$47.88 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
Growing faster than its price suggests
Reasonable price relative to book value
Attractively priced relative to earnings
19.3% revenue growth
Earnings expanding 38.2% YoY
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
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 : EZPW
The strongest argument for EZPW centers on PEG Ratio, Price/Book, P/E Ratio. Revenue growth of 19.3% demonstrates continued momentum. PEG of 0.28 suggests the stock is reasonably priced for its growth.
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 : EZPW
The primary concerns for EZPW are Market Cap.
Key Dynamics to Monitor
AXP profiles as a mature stock while EZPW is a growth play — different risk/reward profiles.
AXP carries more volatility with a beta of 1.15 — expect wider price swings.
EZPW is growing revenue faster at 19.3% — sustainability is the question.
AXP generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
EZPW scores higher overall (72/100 vs 66/100) and 19.3% 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 →EZCORP Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
EZCORP, Inc. offers pawn loans in the United States and Latin America. The company is headquartered in Austin, Texas.
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