American Express Company (AXP)vsOportun Financial Corp (OPRT)
AXP
American Express Company
$310.66
+3.08%
FINANCIAL SERVICES · Cap: $212.18B
OPRT
Oportun Financial Corp
$4.82
+2.12%
FINANCIAL SERVICES · Cap: $225.03M
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 9359% more annual revenue ($68.81B vs $727.47M). AXP leads profitability with a 16.3% profit margin vs 2.5%. OPRT trades at a lower P/E of 13.3x. AXP earns a higher WallStSmart Score of 68/100 (B-).
AXP
Strong Buy68
out of 100
Grade: B-
OPRT
Hold41
out of 100
Grade: D
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
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
1.3% revenue growth
Smaller company, higher risk/reward
ROE of 4.5% — below average capital efficiency
2.5% margin — thin
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 : OPRT
The strongest argument for OPRT centers on Price/Book, P/E Ratio.
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 : OPRT
The primary concerns for OPRT are Revenue Growth, Market Cap, Return on Equity. Debt-to-equity of 6.87 is elevated, increasing financial risk. Thin 2.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
AXP profiles as a mature stock while OPRT is a value play — different risk/reward profiles.
OPRT carries more volatility with a beta of 1.25 — 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 41/100), backed by strong 16.3% margins and 11.6% revenue growth. 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 →Oportun Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Oportun Financial Corporation offers financial services in the United States. The company is headquartered in San Carlos, California.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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