AXP vs. CPAY: American Express vs. Corpay Stock Comparison
How do American Express (AXP) and Corpay (CPAY) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
American Express (AXP) and Corpay (CPAY) both fall under the Financial Services industry group, but AXP is classified in Consumer Finance while CPAY is classified in Financial Services.
| Profile Item | AXP | CPAY |
|---|---|---|
| Name | American Express Company | Corpay Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Financial Services |
| GICS Sub-Industry | Consumer Finance | Transaction & Payment Processing Services |
| Market Capitalization | 215.24 billion USD | 29.12 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 1, 1972 | December 15, 2010 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AXP | CPAY |
|---|---|---|
| Total Return (1Y) | -10.80% | 65.09% |
| Total Return (3Y, Annualized) | 30.19% | 25.90% |
| Total Return (5Y, Annualized) | 13.96% | 13.34% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AXP | CPAY |
|---|---|---|
| Volatility (1Y, Annualized) | 26.18% | 36.03% |
| Beta (5Y) | 1.06 | 0.87 |
| Max Drawdown (5Y) | -31.55% | -37.33% |
| Avg. Volume (3M) | 2.91M | 489.47K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AXP | CPAY |
|---|---|---|
| Sharpe Ratio (1Y) | -0.58 | 1.69 |
| Sortino Ratio (1Y) | -0.74 | 2.83 |
Profitability
ROE (TTM)
Both American Express (AXP) at 35.93% and Corpay (CPAY) at 32.21% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.
AXP
Financial Services industry group
35.93%
- Max
- 44.78%
- AXP
- 35.93%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
CPAY
Financial Services industry group
32.21%
- Max
- 44.78%
- CPAY
- 32.21%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both American Express (AXP) at 16.82% and Corpay (CPAY) at 23.73% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
AXP
Financial Services industry group
16.82%
- Max
- 62.84%
- Q3
- 28.05%
- AXP
- 16.82%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
CPAY
Financial Services industry group
23.73%
- Max
- 62.84%
- Q3
- 28.05%
- CPAY
- 23.73%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both American Express (AXP) at 18.43% and Corpay (CPAY) at 49.15% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
AXP
Financial Services industry group
18.43%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- AXP
- 18.43%
- Q1
- 14.60%
- Min
- -44.34%
CPAY
Financial Services industry group
49.15%
- Max
- 107.33%
- Q3
- 55.90%
- CPAY
- 49.15%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | AXP | CPAY |
|---|---|---|
| ROE (TTM) | 35.93% | 32.21% |
| ROA (TTM) | 4.03% | 6.80% |
| Net Margin (TTM) | 16.82% | 23.73% |
| Operating Margin (TTM) | 18.43% | 49.15% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both American Express (AXP) at 9.52% and Corpay (CPAY) at 13.93% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both American Express (AXP) at 9.78% and Corpay (CPAY) at 7.59% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | AXP | CPAY |
|---|---|---|
| Revenue Growth (YoY) | 9.52% | 13.93% |
| Revenue Growth (3Y CAGR) | 10.97% | 9.73% |
| EPS Growth (YoY) | 9.78% | 7.59% |
| EPS Growth (3Y CAGR) | 16.01% | 6.56% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: American Express (AXP) in Financial Services and Corpay (CPAY) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: American Express (AXP) in Financial Services and Corpay (CPAY) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | AXP | CPAY |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Corpay (CPAY) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile American Express (AXP) reports a yield of 1.13%, ranking against industry peers normally.
AXP
Financial Services industry group
1.13%
- Max
- 9.77%
- Q3
- 3.92%
- AXP
- 1.13%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
CPAY
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- CPAY
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Corpay (CPAY) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile American Express (AXP) reports a payout of 15.32%, ranking against industry peers normally.
AXP
Financial Services industry group
15.32%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- AXP
- 15.32%
- Q1
- 0.00%
- Min
- 0.00%
CPAY
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- CPAY
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AXP | CPAY |
|---|---|---|
| Dividend Yield (TTM) | 1.13% | 0.00% |
| Dividend Payout Ratio (TTM) | 15.32% | 0.00% |
Valuation
P/E Ratio (TTM)
American Express (AXP) at 18.08 is near its industry’s usual P/E ratio, while Corpay (CPAY) at 25.02 sits in the richer quartile — CPAY needs stronger growth or earnings quality to justify the premium.
AXP
Financial Services industry group
18.08
- Max
- 45.85
- Q3
- 24.64
- AXP
- 18.08
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
CPAY
Financial Services industry group
25.02
- Max
- 45.85
- CPAY
- 25.02
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
American Express (AXP) at 2.95 is priced about in line with its industry on P/S ratio, while Corpay (CPAY) at 5.57 sits in the pricier quartile — CPAY costs more per dollar of sales.
AXP
Financial Services industry group
2.95
- Max
- 9.23
- Q3
- 4.57
- AXP
- 2.95
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
CPAY
Financial Services industry group
5.57
- Max
- 9.23
- CPAY
- 5.57
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Both look rich against book: American Express (AXP) at 6.02 sits in the upper P/B ratio quartile, and Corpay (CPAY) at 8.89 prices even higher, above its industry range.
AXP
Financial Services industry group
6.02
- Max
- 7.79
- AXP
- 6.02
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
CPAY
Financial Services industry group
8.89
- CPAY
- 8.89
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AXP | CPAY |
|---|---|---|
| P/E Ratio (TTM) | 18.08 | 25.02 |
| P/S Ratio (TTM) | 2.95 | 5.57 |
| P/B Ratio (MRQ) | 6.02 | 8.89 |
| Free Cash Flow Yield (TTM) | -- | -- |