American Express Company (AXP)vsMedallion Financial Corp (MFIN)
AXP
American Express Company
$300.24
-0.58%
FINANCIAL SERVICES · Cap: $208.03B
MFIN
Medallion Financial Corp
$8.47
-3.09%
FINANCIAL SERVICES · Cap: $195.12M
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 18856% more annual revenue ($66.97B vs $353.31M). AXP leads profitability with a 16.2% profit margin vs 12.2%. MFIN appears more attractively valued with a PEG of 0.77. MFIN earns a higher WallStSmart Score of 75/100 (B).
AXP
Strong Buy66
out of 100
Grade: B-
MFIN
Strong Buy75
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
+82.3%
Fair Value
$58.24
Current Price
$8.47
$49.77 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
Strong operational efficiency at 48.0%
Growing faster than its price suggests
18.6% revenue growth
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 : MFIN
The strongest argument for MFIN centers on P/E Ratio, Price/Book, Operating Margin. Revenue growth of 18.6% demonstrates continued momentum. PEG of 0.77 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 : MFIN
The primary concerns for MFIN are Market Cap.
Key Dynamics to Monitor
AXP profiles as a mature stock while MFIN is a growth play — different risk/reward profiles.
AXP carries more volatility with a beta of 1.15 — expect wider price swings.
MFIN is growing revenue faster at 18.6% — sustainability is the question.
AXP generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
MFIN scores higher overall (75/100 vs 66/100) and 18.6% 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 →Medallion Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Medallion Financial Corp. The company is headquartered in New York City, New York.
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