American Express Company (AXP)vsSoFi Technologies Inc. (SOFI)
AXP
American Express Company
$294.39
+0.18%
FINANCIAL SERVICES · Cap: $205.42B
SOFI
SoFi Technologies Inc.
$17.18
-1.09%
FINANCIAL SERVICES · Cap: $22.48B
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 1769% more annual revenue ($66.97B vs $3.58B). AXP leads profitability with a 16.2% profit margin vs 13.4%. SOFI appears more attractively valued with a PEG of 1.36. AXP earns a higher WallStSmart Score of 66/100 (B-).
AXP
Strong Buy66
out of 100
Grade: B-
SOFI
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+42.5%
Fair Value
$513.41
Current Price
$294.39
$219.02 discount
Margin of Safety
-609.1%
Fair Value
$2.65
Current Price
$17.18
$14.53 premium
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
Revenue surging 40.2% year-over-year
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
ROE of 5.7% — below average capital efficiency
Premium valuation, high expectations priced in
Earnings declined 57.0%
Negative free cash flow — burning cash
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 : SOFI
The strongest argument for SOFI centers on Revenue Growth, Debt/Equity, Price/Book. Revenue growth of 40.2% demonstrates continued momentum. PEG of 1.36 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 : SOFI
The primary concerns for SOFI are Return on Equity, P/E Ratio, EPS Growth. A P/E of 45.2x leaves little room for execution misses.
Key Dynamics to Monitor
AXP profiles as a mature stock while SOFI is a growth play — different risk/reward profiles.
SOFI carries more volatility with a beta of 2.26 — expect wider price swings.
SOFI is growing revenue faster at 40.2% — sustainability is the question.
AXP generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
AXP scores higher overall (66/100 vs 58/100), backed by strong 16.2% margins and 10.6% 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 →SoFi Technologies Inc.
FINANCIAL SERVICES · CREDIT SERVICES · USA
SoFi Technologies, Inc. provides digital financial services. The company is headquartered in San Francisco, California.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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