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
- Consensus revenue growth for next year: American Express +92.4%, Visa +14.7%.
- Price / sales: Visa 17.5×, American Express 4.9×.
- Market value: Visa $751.69B, American Express $211.77B.
- Free-cash-flow yield: American Express 7.6%, Visa 2.9%.
Price return
2025-10-16 → 2026-10-16
AXP−2.9%
V+20.0%
Profile
latestSector
Financial Services
Financial Services
Industry
Financial - Credit Services
Financial - Credit Services
Market value
$211.77B
$751.69B
Enterprise value
$225.58B
$763.26B
Employees
76,800
34,100
Revenue per employee (TTM)
$561K
$1.3M
Our models
nightlythe valuation on each stock's pagePrice vs model
23% overvalued vs model
40% overvalued vs model
Model range
$196–421
$184–705
Models in the headline
1
1
FCF growth priced in, at a 10% return
2.7%
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 2026-10-16Last close
$313.59
$402.61
52-week high
$384.89
$402.61
52-week low
$292.27
$295.52
Price vs 52-week high
−18.5%
0.0%
Price vs 52-week low
+7.3%
+36.2%
Average daily volume / shares
0.4%
0.4%
Beta
1.08
0.77
Returns
to 2026-10-161 month
+0.4%
+8.5%
3 months
−13.3%
+10.3%
6 months
−3.7%
+27.8%
Year to date
−15.2%
+14.8%
1 year
−2.9%
+20.0%
1 year, dividends added
−1.8%
+20.8%
2 years
+11.3%
+40.0%
Valuation
AXP price × TTM to Jun 2026 · V price × TTM to Mar 2026P/E (TTM)
19.0×
—
P/E on consensus EPS (next FY)
17.7×
30.4×
Price / sales
4.9×
17.5×
EV / sales
5.2×
17.7×
EV / EBITDA
—
27.7×
Price / book
6.2×
—
Price / free cash flow (FY)
13.2×
34.8×
Free-cash-flow yield (FY)
7.6%
2.9%
Growth
TTM and FY2025Revenue growth (TTM)
—
—
Revenue growth, consensus next FY
+92.4%
+14.7%
Revenue, 3-year CAGR
6.5%
10.9%
Revenue, 5-year CAGR
13.5%
12.9%
EPS growth (TTM)
—
—
EPS growth, consensus next FY
+15.0%
—
EPS, 3-year CAGR
16.0%
—
Free cash flow, 3-year CAGR
−5.9%
6.5%
Diluted shares, 3-year change
−7.4%
—
Profitability
AXP TTM to Jun 2026 · V TTM to Mar 2026Gross margin (FY)†
83.2%
80.4%
Operating margin
—
61.1%
EBITDA margin
—
64.1%
Net margin
26.6%
51.7%
Free-cash-flow margin (FY)
38.7%
53.9%
Return on equity
33.4%
—
Return on assets
3.7%
23.4%
Asset turnover
0.14
0.45
† 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 Jun 2026 · V MRQ Mar 2026Cash
$45.24B
$12.40B
Total debt
$59.05B
$23.98B
Net debt
$13.81B
$11.57B
Debt / equity
1.7×
—
Net debt / EBITDA (TTM)
—
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)
22.3%
—
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 Jun 2026 · cash flow FY2025 · V income TTM to Mar 2026 · cash flow FY2025Revenue
$43.09B
$43.03B
EBITDA
—
$27.59B
Operating income
—
$26.30B
Net income
$11.45B
$22.24B
EPS (diluted)
$16.47
—
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 from the companies' SEC filings; 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.