American Express vs Visa AXP vs V
American Express and Visa on one sheet: valuation multiples, growth, margins, debt, dividends and returns, each section labelled with the period it covers, from the companies' filings. Add or remove a stock above the sheet; the link holds the set.
What differs most
- Price / sales: Visa 17.0×, American Express 2.5×.
- Market value: Visa $754.59B, American Express $212.76B.
- Net margin: Visa 50.8%, American Express 14.3%.
- EV / EBITDA: Visa 26.3×, American Express 8.5×.
Price return
2025-10-26 → 2026-10-26
AXP−11.9%
V+16.3%
Profile
latestSector
Financial Services
Financial Services
Industry
Financial - Credit Services
Financial - Credit Services
Market value
$212.76B
$754.59B
Enterprise value
$229.51B
$766.08B
Employees
76,800
34,100
Revenue per employee (TTM)
$1.1M
$1.3M
Our models
nightlythe valuation on each stock's pagePrice vs model
27% overvalued vs model
46% overvalued vs model
Model range
$193–415
$177–696
Models in the headline
1
1
FCF growth priced in, at a 10% return
2.8%
20.0%
Every model, its assumptions and its range: AXP valuation · V valuation. The growth priced in, at any return: AXP reverse DCF · V reverse DCF.
Trading
close 2026-10-26Last close
$315.05
$404.16
52-week high
$384.89
$414.34
52-week low
$292.27
$295.52
Price vs 52-week high
−18.1%
−2.5%
Price vs 52-week low
+7.8%
+36.8%
Average daily volume / shares
0.4%
0.4%
Beta
1.08
0.77
Returns
to 2026-10-261 month
+2.0%
+10.0%
3 months
−3.4%
+13.6%
6 months
+0.3%
+30.6%
Year to date
−14.8%
+15.2%
1 year
−11.9%
+16.3%
1 year, dividends added
−10.9%
+17.1%
2 years
+17.8%
+43.5%
Valuation
AXP price × TTM to Sep 2026 · V price × TTM to Jun 2026P/E (TTM)
17.7×
34.4×
P/E on consensus EPS (next FY)
17.9×
30.5×
Price / sales
2.5×
17.0×
EV / sales
2.7×
17.2×
EV / EBITDA
8.5×
26.3×
Price / book
5.9×
21.5×
Price / free cash flow (FY)
13.3×
35.0×
Free-cash-flow yield (FY)
7.5%
2.9%
Growth
TTM and FY2025Revenue growth (TTM)
—
—
Revenue growth, consensus next FY
−1.2%
+14.7%
Revenue, 3-year CAGR
13.1%
10.9%
Revenue, 5-year CAGR
16.0%
12.9%
EPS growth (TTM)
—
—
EPS growth, consensus next FY
+14.5%
+29.7%
EPS, 3-year CAGR
16.1%
13.4%
Free cash flow, 3-year CAGR
−5.9%
6.5%
Diluted shares, 3-year change
−7.4%
−8.0%
Profitability
AXP TTM to Sep 2026 · V TTM to Jun 2026Gross margin (FY)†
83.2%
80.4%
Operating margin
27.6%
60.7%
EBITDA margin
31.5%
65.4%
Net margin
14.3%
50.8%
Free-cash-flow margin (FY)
19.9%
53.9%
Return on equity
34.2%
64.2%
Return on assets
3.9%
23.9%
Asset turnover
0.28
0.47
† Gross margin (FY): As filed. Companies draw the cost-of-revenue line in different places, so gross margins of two companies in one industry can differ for that reason alone; operating margin does not depend on where the line is drawn.
Balance sheet
AXP MRQ Sep 2026 · V MRQ Jun 2026Cash
$43.20B
$12.36B
Total debt
$59.95B
$23.86B
Net debt
$16.75B
$11.50B
Debt / equity
1.7×
0.7×
Net debt / EBITDA (TTM)
0.6×
0.4×
Interest coverage (FY)
1.7×
40.7×
Current ratio (FY)
0.28
1.08
Dividends
trailing 12 monthsDividend yield
1.2%
0.7%
Dividends per share
$3.67
$2.68
Payout ratio (of TTM EPS)
20.6%
22.8%
Dividend per share, 5-year CAGR
16.4%
15.9%
Frequency
Quarterly
Quarterly
Ownership and activity
last 90 days · latest 13FTracked superinvestors holding (13F)
16
32
Insider open-market buys (Form 4)
$0
$0
Insider sales (Form 4)
$3.0M
$35.5M
Analyst upgrades
0
0
Analyst downgrades
0
0
Statements
AXP income TTM to Sep 2026 · cash flow FY2025 · V income TTM to Jun 2026 · cash flow FY2025Revenue
$85.50B
$44.49B
EBITDA
$26.89B
$29.10B
Operating income
$23.56B
$27.00B
Net income
$12.26B
$22.59B
EPS (diluted)
$17.80
$11.75
Operating cash flow
$18.43B
$23.06B
Capital expenditure
−$2.42B
−$1.48B
Free cash flow
$16.00B
$21.58B
Dividends paid
$2.27B
$4.63B
Statements, prices, dividends and consensus estimates from Financial Modeling Prep; insider trades from Form 4 and holdings from 13F. Refreshed nightly. A comparison of filed numbers, not a recommendation to buy, sell or hold any security.