American Express Company (AXP)vsRegional Management Corp (RM)
AXP
American Express Company
$300.24
-0.58%
FINANCIAL SERVICES · Cap: $208.03B
RM
Regional Management Corp
$32.27
-0.52%
FINANCIAL SERVICES · Cap: $316.35M
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 10624% more annual revenue ($66.97B vs $624.52M). AXP leads profitability with a 16.2% profit margin vs 7.1%. RM appears more attractively valued with a PEG of 0.42. RM earns a higher WallStSmart Score of 77/100 (B+).
AXP
Strong Buy66
out of 100
Grade: B-
RM
Strong Buy77
out of 100
Grade: B+
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
+83.7%
Fair Value
$208.26
Current Price
$32.27
$175.99 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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 23.6%
Earnings expanding 32.5% YoY
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
7.1% margin — thin
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 : RM
The strongest argument for RM centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.42 suggests the stock is reasonably priced for its growth.
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 : RM
The primary concerns for RM are Market Cap, Profit Margin.
Key Dynamics to Monitor
AXP profiles as a mature stock while RM is a value 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.
AXP generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
RM scores higher overall (77/100 vs 66/100). AXP offers better value entry with a 41.4% margin of safety. Both earn "Strong Buy" and "Strong 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 →Regional Management Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Regional Management Corp, a diversified consumer finance company, offers various installment loan products primarily to clients with limited access to consumer credit from banks, savings companies, credit card companies, and other lenders. The company is headquartered in Greer, South Carolina.
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