AXP vs. FRHC: American Express vs. Freedom Stock Comparison
How do American Express (AXP) and Freedom (FRHC) 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 Freedom (FRHC) both fall under the Financial Services industry group, but AXP is classified in Consumer Finance while FRHC is classified in Capital Markets.
| Profile Item | AXP | FRHC |
|---|---|---|
| Name | American Express Company | Freedom Holding Corp. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Capital Markets |
| GICS Sub-Industry | Consumer Finance | Investment Banking & Brokerage |
| Market Capitalization | 215.24 billion USD | 11.41 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | June 1, 1972 | February 7, 2018 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AXP | FRHC |
|---|---|---|
| Total Return (1Y) | -10.80% | 18.04% |
| Total Return (3Y, Annualized) | 30.19% | 28.04% |
| Total Return (5Y, Annualized) | 13.96% | 18.95% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AXP | FRHC |
|---|---|---|
| Volatility (1Y, Annualized) | 26.18% | 47.01% |
| Beta (5Y) | 1.06 | 0.71 |
| Max Drawdown (5Y) | -31.55% | -45.80% |
| Avg. Volume (3M) | 2.91M | 108.35K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AXP | FRHC |
|---|---|---|
| Sharpe Ratio (1Y) | -0.58 | 0.29 |
| Sortino Ratio (1Y) | -0.74 | 0.45 |
Profitability
ROE (TTM)
American Express (AXP) at 35.93% sits in the top ROE quartile, while Freedom (FRHC) at 10.68% is closer to the peer norm — stronger capital efficiency for AXP.
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%
FRHC
Financial Services industry group
10.68%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- FRHC
- 10.68%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both American Express (AXP) at 16.82% and Freedom (FRHC) at 8.43% 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%
FRHC
Financial Services industry group
8.43%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- FRHC
- 8.43%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
American Express (AXP) at 18.43% runs core operations around its industry’s norm, while Freedom (FRHC) at 5.01% operates in the bottom quartile.
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%
FRHC
Financial Services industry group
5.01%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- FRHC
- 5.01%
- Min
- -44.34%
Profitability Metrics
| Metric | AXP | FRHC |
|---|---|---|
| ROE (TTM) | 35.93% | 10.68% |
| ROA (TTM) | 4.03% | 1.24% |
| Net Margin (TTM) | 16.82% | 8.43% |
| Operating Margin (TTM) | 18.43% | 5.01% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both American Express (AXP) at 9.52% and Freedom (FRHC) at 8.97% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Freedom (FRHC) at 98.93% sits in the top EPS growth quartile, while American Express (AXP) at 9.78% is closer to the peer norm — faster per-share earnings growth for FRHC.
Growth Metrics
| Metric | AXP | FRHC |
|---|---|---|
| Revenue Growth (YoY) | 9.52% | 8.97% |
| Revenue Growth (3Y CAGR) | 10.97% | 39.61% |
| EPS Growth (YoY) | 9.78% | 98.93% |
| EPS Growth (3Y CAGR) | 16.01% | -10.08% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: American Express (AXP) in Financial Services and Freedom (FRHC) 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 Freedom (FRHC) 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 | FRHC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Freedom (FRHC) 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%
FRHC
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- FRHC
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Freedom (FRHC) 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%
FRHC
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- FRHC
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AXP | FRHC |
|---|---|---|
| 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 Freedom (FRHC) at 70.97 sits above its peer range — an unusually expensive price for FRHC’s trailing earnings.
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
FRHC
Financial Services industry group
70.97
- FRHC
- 70.97
- Max
- 45.85
- 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 Freedom (FRHC) at 6.51 sits in the pricier quartile — FRHC 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
FRHC
Financial Services industry group
6.51
- Max
- 9.23
- FRHC
- 6.51
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Both American Express (AXP) at 6.02 and Freedom (FRHC) at 7.16 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.
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
FRHC
Financial Services industry group
7.16
- Max
- 7.79
- FRHC
- 7.16
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AXP | FRHC |
|---|---|---|
| P/E Ratio (TTM) | 18.08 | 70.97 |
| P/S Ratio (TTM) | 2.95 | 6.51 |
| P/B Ratio (MRQ) | 6.02 | 7.16 |
| Free Cash Flow Yield (TTM) | -- | -- |