American Express Company (AXP)vsFinance of America Companies Inc (FOA)
AXP
American Express Company
$300.24
-0.58%
FINANCIAL SERVICES · Cap: $208.03B
FOA
Finance of America Companies Inc
$16.93
-1.74%
FINANCIAL SERVICES · Cap: $173.33M
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 13364% more annual revenue ($66.97B vs $497.43M). AXP leads profitability with a 16.2% profit margin vs 9.1%. FOA trades at a lower P/E of 4.3x. AXP earns a higher WallStSmart Score of 66/100 (B-).
AXP
Strong Buy66
out of 100
Grade: B-
FOA
Hold49
out of 100
Grade: D+
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
+19.8%
Fair Value
$26.79
Current Price
$16.93
$9.86 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
Reasonable price relative to book value
Every $100 of equity generates 31 in profit
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
0.0% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 72.1%
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 : FOA
The strongest argument for FOA centers on P/E Ratio, Price/Book, Return on Equity.
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 : FOA
The primary concerns for FOA are EPS Growth, Market Cap, Piotroski F-Score. Debt-to-equity of 106.49 is elevated, increasing financial risk.
Key Dynamics to Monitor
AXP profiles as a mature stock while FOA is a value play — different risk/reward profiles.
FOA carries more volatility with a beta of 1.69 — expect wider price swings.
AXP is growing revenue faster at 10.6% — sustainability is the question.
AXP generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
AXP scores higher overall (66/100 vs 49/100), backed by strong 16.2% margins and 10.6% revenue growth. FOA offers better value entry with a 19.8% margin of safety. Both earn "Strong Buy" and "Hold" 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 →Finance of America Companies Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Finance of America Companies Inc. operates a consumer loan platform in the United States. The company is headquartered in Irving, Texas.
Visit Website →Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?