American Express Company (AXP)vs360 Finance Inc (QFIN)
AXP
American Express Company
$310.66
+2.18%
FINANCIAL SERVICES · Cap: $212.18B
QFIN
360 Finance Inc
$14.53
-4.97%
FINANCIAL SERVICES · Cap: $1.96B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 273% more annual revenue ($68.81B vs $18.42B). QFIN leads profitability with a 27.5% profit margin vs 16.3%. QFIN trades at a lower P/E of 2.8x. AXP earns a higher WallStSmart Score of 68/100 (B-).
AXP
Strong Buy68
out of 100
Grade: B-
QFIN
Buy62
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
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Every $100 of equity generates 21 in profit
Keeps 28 of every $100 in revenue as profit
Strong operational efficiency at 27.5%
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 16.7%
Earnings declined 43.3%
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 : QFIN
The strongest argument for QFIN centers on P/E Ratio, Price/Book, Debt/Equity. Profitability is solid with margins at 27.5% and operating margin at 27.5%.
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 : QFIN
The primary concerns for QFIN are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
AXP profiles as a mature stock while QFIN 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.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AXP scores higher overall (68/100 vs 62/100), 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 →360 Finance Inc
FINANCIAL SERVICES · CREDIT SERVICES · China
360 DigiTech, Inc., operates a digital consumer finance platform under the 360 Jietiao brand in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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