American Express Company (AXP)vsOneMain Holdings Inc (OMF)
AXP
American Express Company
$324.69
+1.24%
FINANCIAL SERVICES · Cap: $219.27B
OMF
OneMain Holdings Inc
$62.75
+1.11%
FINANCIAL SERVICES · Cap: $7.28B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 2248% more annual revenue ($70.91B vs $3.02B). OMF leads profitability with a 25.9% profit margin vs 16.1%. OMF appears more attractively valued with a PEG of 0.75. AXP earns a higher WallStSmart Score of 70/100 (B-).
AXP
Strong Buy70
out of 100
Grade: B-
OMF
Buy65
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 20.3%
Generating 4.5B in free cash flow
Attractively priced relative to earnings
Every $100 of equity generates 24 in profit
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 28.6%
Areas to Watch
Elevated debt levels
Distress zone — elevated risk
Revenue declined 2.7%
Earnings declined 5.9%
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 16.1% and operating margin at 20.3%. Revenue growth of 12.8% demonstrates continued momentum.
Bull Case : OMF
The strongest argument for OMF centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 25.9% and operating margin at 28.6%. PEG of 0.75 suggests the stock is reasonably priced for its growth.
Bear Case : AXP
The primary concerns for AXP are Debt/Equity, Altman Z-Score. Debt-to-equity of 1.72 is elevated, increasing financial risk.
Bear Case : OMF
The primary concerns for OMF are Revenue Growth, EPS Growth, Debt/Equity. Debt-to-equity of 6.73 is elevated, increasing financial risk.
Key Dynamics to Monitor
AXP profiles as a mature stock while OMF is a declining play — different risk/reward profiles.
OMF carries more volatility with a beta of 1.19 — expect wider price swings.
AXP is growing revenue faster at 12.8% — sustainability is the question.
AXP generates stronger free cash flow (4.5B), providing more financial flexibility.
Bottom Line
AXP scores higher overall (70/100 vs 65/100), backed by strong 16.1% margins and 12.8% 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 →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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