WallStSmart

American Express Company (AXP)vsOneMain Holdings Inc (OMF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

American Express Company generates 2153% more annual revenue ($66.97B vs $2.97B). OMF leads profitability with a 26.3% profit margin vs 16.2%. OMF appears more attractively valued with a PEG of 0.61. OMF earns a higher WallStSmart Score of 85/100 (A).

AXP

Strong Buy

66

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 10.0Quality: 5.0
Piotroski: 4/9Altman Z: 0.13

OMF

Exceptional Buy

85

out of 100

Grade: A

Growth: 7.3Profit: 8.0Value: 10.0Quality: 6.5
Piotroski: 5/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AXPUndervalued (+41.4%)

Margin of Safety

+41.4%

Fair Value

$512.74

Current Price

$300.24

$212.50 discount

UndervaluedFair: $512.74Overvalued
OMFUndervalued (+80.5%)

Margin of Safety

+80.5%

Fair Value

$307.01

Current Price

$53.08

$253.93 discount

UndervaluedFair: $307.01Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AXP3 strengths · Avg: 9.3/10
Market CapQuality
$208.03B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
34.0%10/10

Every $100 of equity generates 34 in profit

Free Cash FlowQuality
$2.35B8/10

Generating 2.3B in free cash flow

OMF6 strengths · Avg: 9.3/10
P/E RatioValuation
8.1x10/10

Attractively priced relative to earnings

Operating MarginProfitability
33.7%10/10

Strong operational efficiency at 33.7%

EPS GrowthGrowth
63.7%10/10

Earnings expanding 63.7% YoY

Return on EquityProfitability
23.8%9/10

Every $100 of equity generates 24 in profit

Profit MarginProfitability
26.3%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.618/10

Growing faster than its price suggests

Areas to Watch

AXP3 concerns · Avg: 3.0/10
PEG RatioValuation
1.524/10

Expensive relative to growth rate

Debt/EquityHealth
1.733/10

Elevated debt levels

Altman Z-ScoreHealth
0.132/10

Distress zone — elevated risk

OMF0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull 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 : OMF

The strongest argument for OMF centers on P/E Ratio, Operating Margin, EPS Growth. Profitability is solid with margins at 26.3% and operating margin at 33.7%. Revenue growth of 12.2% 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 : OMF

No major red flags identified for OMF, but monitor valuation.

Key Dynamics to Monitor

OMF carries more volatility with a beta of 1.29 — expect wider price swings.

OMF is growing revenue faster at 12.2% — 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

OMF scores higher overall (85/100 vs 66/100), backed by strong 26.3% margins and 12.2% revenue growth. AXP offers better value entry with a 41.4% margin of safety. Both earn "Exceptional 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.

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OneMain Holdings Inc

FINANCIAL SERVICES · CREDIT SERVICES · USA

OneMain Holdings, Inc., a financial services holding company, is in the consumer finance and insurance businesses. The company is headquartered in Evansville, Indiana.

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