American Express Company (AXP)vsSUI Group Holdings Limited (SUIG)
AXP
American Express Company
$300.24
-0.58%
FINANCIAL SERVICES · Cap: $208.03B
SUIG
SUI Group Holdings Limited
$1.39
+2.21%
FINANCIAL SERVICES · Cap: $198.85M
Smart Verdict
WallStSmart Research — data-driven comparison
American Express Company generates 2025763% more annual revenue ($66.97B vs $3.31M). SUIG leads profitability with a 45.4% profit margin vs 16.2%. SUIG trades at a lower P/E of 10.1x. AXP earns a higher WallStSmart Score of 66/100 (B-).
AXP
Strong Buy66
out of 100
Grade: B-
SUIG
Buy56
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
+88.8%
Fair Value
$11.23
Current Price
$1.39
$9.84 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 45 of every $100 in revenue as profit
Strong operational efficiency at 66.6%
Earnings expanding 83.3% YoY
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 7.6% — below average capital efficiency
Weak financial health signals
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 : SUIG
The strongest argument for SUIG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 45.4% and operating margin at 66.6%.
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 : SUIG
The primary concerns for SUIG are Market Cap, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
SUIG carries more volatility with a beta of 1.68 — 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.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AXP scores higher overall (66/100 vs 56/100), backed by strong 16.2% margins and 10.6% revenue growth. SUIG offers better value entry with a 88.8% 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 →SUI Group Holdings Limited
FINANCIAL SERVICES · CREDIT SERVICES · USA
SUI Group Holdings Limited is a principal investment firm specializing investments in debt and equity securities of public and private companies to fund their operations whether its start-up, acquisition, or growth. The company is headquartered in Wayzata, Minnesota.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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