American Express Company (AXP)vs360 Finance Inc (QFIN)
AXP
American Express Company
$324.69
+1.24%
FINANCIAL SERVICES · Cap: $219.27B
QFIN
360 Finance Inc
$8.47
0.00%
FINANCIAL SERVICES · Cap: $1.05B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 323% more annual revenue ($70.91B vs $16.77B). QFIN leads profitability with a 22.3% profit margin vs 16.1%. QFIN trades at a lower P/E of 2.0x. AXP earns a higher WallStSmart Score of 70/100 (B-).
AXP
Strong Buy70
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 20.3%
Generating 4.5B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 32.5%
Every $100 of equity generates 21 in profit
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Areas to Watch
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 31.6%
Earnings declined 74.3%
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 16.1% and operating margin at 20.3%. Revenue growth of 12.8% demonstrates continued momentum.
Bull Case : QFIN
The strongest argument for QFIN centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 22.3% and operating margin at 32.5%.
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 : 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 1.05 — 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 62/100), 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 →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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