American Express Company (AXP)vs360 Finance Inc (QFIN)
AXP
American Express Company
$300.24
-0.58%
FINANCIAL SERVICES · Cap: $208.03B
QFIN
360 Finance Inc
$13.12
-0.15%
FINANCIAL SERVICES · Cap: $1.84B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 249% more annual revenue ($66.97B vs $19.21B). QFIN leads profitability with a 31.2% profit margin vs 16.2%. QFIN trades at a lower P/E of 1.9x. AXP earns a higher WallStSmart Score of 66/100 (B-).
AXP
Strong Buy66
out of 100
Grade: B-
QFIN
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+41.4%
Fair Value
$512.74
Current Price
$300.24
$212.50 discount
Margin of Safety
+67.5%
Fair Value
$48.55
Current Price
$13.12
$35.43 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 34 in profit
Generating 2.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Every $100 of equity generates 25 in profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.4%
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
Revenue declined 8.7%
Earnings declined 40.9%
Comparative Analysis Report
WallStSmart ResearchBull 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 : QFIN
The strongest argument for QFIN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.2% and operating margin at 29.4%.
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 : QFIN
The primary concerns for QFIN are Market Cap, Revenue Growth, EPS 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 1.15 — expect wider price swings.
AXP is growing revenue faster at 10.6% — sustainability is the question.
QFIN generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
AXP scores higher overall (66/100 vs 62/100), backed by strong 16.2% margins and 10.6% revenue growth. QFIN offers better value entry with a 67.5% margin of safety. 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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