American Express Company (AXP)vsLexinfintech Holdings Ltd (LX)
AXP
American Express Company
$300.24
-0.58%
FINANCIAL SERVICES · Cap: $208.03B
LX
Lexinfintech Holdings Ltd
$2.33
-2.92%
FINANCIAL SERVICES · Cap: $403.83M
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 409% more annual revenue ($66.97B vs $13.15B). AXP leads profitability with a 16.2% profit margin vs 12.8%. LX trades at a lower P/E of 1.8x. AXP earns a higher WallStSmart Score of 66/100 (B-).
AXP
Strong Buy66
out of 100
Grade: B-
LX
Hold46
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
+69.1%
Fair Value
$9.32
Current Price
$2.33
$6.99 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
Conservative balance sheet, low leverage
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
Revenue declined 16.8%
Earnings declined 39.8%
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 : LX
The strongest argument for LX centers on P/E Ratio, Price/Book, Debt/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 : LX
The primary concerns for LX are Market Cap, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
AXP profiles as a mature stock while LX is a declining play — different risk/reward profiles.
AXP carries more volatility with a beta of 1.15 — expect wider price swings.
AXP is growing revenue faster at 10.6% — sustainability is the question.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AXP scores higher overall (66/100 vs 46/100), backed by strong 16.2% margins and 10.6% revenue growth. LX offers better value entry with a 69.1% 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 →Lexinfintech Holdings Ltd
FINANCIAL SERVICES · CREDIT SERVICES · China
LexinFintech Holdings Ltd., is an online consumer finance and consumer platform for young professionals in the People's Republic of China. The company is headquartered in Shenzhen, the People's Republic of China.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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