American Express Company (AXP)vsJefferson Capital, Inc. Common Stock (JCAP)
AXP
American Express Company
$300.24
-0.58%
FINANCIAL SERVICES · Cap: $208.03B
JCAP
Jefferson Capital, Inc. Common Stock
$19.47
+0.88%
FINANCIAL SERVICES · Cap: $1.08B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 10928% more annual revenue ($66.97B vs $607.29M). JCAP leads profitability with a 30.9% profit margin vs 16.2%. JCAP trades at a lower P/E of 3.5x. JCAP earns a higher WallStSmart Score of 69/100 (B-).
AXP
Strong Buy66
out of 100
Grade: B-
JCAP
Strong Buy69
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
+42.5%
Fair Value
$38.35
Current Price
$19.47
$18.88 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
Attractively priced relative to earnings
Every $100 of equity generates 44 in profit
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 105.8%
Reasonable price relative to book value
Revenue surging 27.7% year-over-year
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
0.0% earnings growth
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 : JCAP
The strongest argument for JCAP centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 30.9% and operating margin at 105.8%. Revenue growth of 27.7% 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 : JCAP
The primary concerns for JCAP are EPS Growth, Market Cap.
Key Dynamics to Monitor
AXP profiles as a mature stock while JCAP is a growth play — different risk/reward profiles.
JCAP is growing revenue faster at 27.7% — sustainability is the question.
AXP generates stronger free cash flow (2.3B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
JCAP scores higher overall (69/100 vs 66/100), backed by strong 30.9% margins and 27.7% 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 →Jefferson Capital, Inc. Common Stock
FINANCIAL SERVICES · CREDIT SERVICES · USA
Jernigan Capital is a real estate investment trust listed on the New York Stock Exchange (NYSE: JCAP) that provides debt and equity capital to private developers, owners and operators of storage facilities with a view to eventual freehold ownership of the facilities financed by the Company.
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