American Express Company (AXP)vsGreen Dot Corporation (GDOT)
AXP
American Express Company
$310.66
+2.18%
FINANCIAL SERVICES · Cap: $212.18B
GDOT
Green Dot Corporation
$12.66
-1.17%
FINANCIAL SERVICES · Cap: $717.57M
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 3069% more annual revenue ($68.81B vs $2.17B). AXP leads profitability with a 16.3% profit margin vs -3.3%. GDOT appears more attractively valued with a PEG of 1.23. AXP earns a higher WallStSmart Score of 68/100 (B-).
AXP
Strong Buy68
out of 100
Grade: B-
GDOT
Buy64
out of 100
Grade: C+
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
Reasonable price relative to book value
Earnings expanding 97.9% YoY
Conservative balance sheet, low leverage
17.4% revenue growth
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
ROE of -7.5% — below average capital efficiency
Distress zone — elevated risk
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 : GDOT
The strongest argument for GDOT centers on Price/Book, EPS Growth, Debt/Equity. Revenue growth of 17.4% demonstrates continued momentum. PEG of 1.23 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 1.78 is elevated, increasing financial risk.
Bear Case : GDOT
The primary concerns for GDOT are Market Cap, Piotroski F-Score, Return on Equity.
Key Dynamics to Monitor
AXP profiles as a mature stock while GDOT is a growth play — different risk/reward profiles.
AXP carries more volatility with a beta of 1.08 — expect wider price swings.
GDOT is growing revenue faster at 17.4% — sustainability is the question.
AXP generates stronger free cash flow (2.7B), providing more financial flexibility.
Bottom Line
AXP scores higher overall (68/100 vs 64/100), backed by strong 16.3% margins and 11.6% revenue growth. Both earn "Strong Buy" and "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 →Green Dot Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Green Dot Corporation is a banking and fintech holding company in the United States. The company is headquartered in Pasadena, California.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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