American Express Company (AXP)vsNelnet Inc (NNI)
AXP
American Express Company
$310.66
+3.08%
FINANCIAL SERVICES · Cap: $212.18B
NNI
Nelnet Inc
$129.03
-0.32%
FINANCIAL SERVICES · Cap: $4.68B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 4080% more annual revenue ($68.81B vs $1.65B). NNI leads profitability with a 25.3% profit margin vs 16.3%. NNI appears more attractively valued with a PEG of 0.46. AXP earns a higher WallStSmart Score of 68/100 (B-).
AXP
Strong Buy68
out of 100
Grade: B-
NNI
Buy60
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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 25 of every $100 in revenue as profit
Strong operational efficiency at 21.4%
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Revenue declined 7.1%
Earnings declined 12.9%
Distress zone — elevated risk
Elevated debt levels
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 : NNI
The strongest argument for NNI centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 25.3% and operating margin at 21.4%. PEG of 0.46 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 : NNI
The primary concerns for NNI are Revenue Growth, EPS Growth, Altman Z-Score. Debt-to-equity of 2.06 is elevated, increasing financial risk.
Key Dynamics to Monitor
AXP profiles as a mature stock while NNI is a declining play — different risk/reward profiles.
AXP carries more volatility with a beta of 1.08 — expect wider price swings.
AXP is growing revenue faster at 11.6% — 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 60/100), 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 →Nelnet Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Nelnet, Inc. is engaged in the loan management, communications and educational technology, services and payment processing businesses globally. The company is headquartered in Lincoln, Nebraska.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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