AXP vs. FUTU: American Express vs. Futu Stock Comparison
How do American Express (AXP) and Futu (FUTU) 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 Futu (FUTU) both fall under the Financial Services industry group, but AXP is classified in Consumer Finance while FUTU is classified in Capital Markets.
American Express (AXP) trades as ordinary local shares, while Futu (FUTU) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | AXP | FUTU |
|---|---|---|
| Name | American Express Company | Futu Holdings Ltd. ADR |
| Country/Region | United States | Hong Kong |
| 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 | 13.75 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | June 1, 1972 | March 8, 2019 |
| Security Type | Common Stock | ADR |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AXP | FUTU |
|---|---|---|
| Total Return (1Y) | -10.80% | -45.15% |
| Total Return (3Y, Annualized) | 30.19% | 22.02% |
| Total Return (5Y, Annualized) | 13.96% | 13.70% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AXP | FUTU |
|---|---|---|
| Volatility (1Y, Annualized) | 26.18% | 59.94% |
| Beta (5Y) | 1.06 | 0.68 |
| Max Drawdown (5Y) | -31.55% | -60.17% |
| Avg. Volume (3M) | 2.91M | 1.18M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AXP | FUTU |
|---|---|---|
| Sharpe Ratio (1Y) | -0.58 | -0.82 |
| Sortino Ratio (1Y) | -0.74 | -1.10 |
Profitability
ROE (TTM)
Both American Express (AXP) at 35.93% and Futu (FUTU) at 30.52% 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%
FUTU
Financial Services industry group
30.52%
- Max
- 44.78%
- FUTU
- 30.52%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Futu (FUTU) at 46.20% retains a top-quartile share of revenue as profit, ahead of American Express (AXP) at 16.82%, which keeps about the industry-typical share.
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%
FUTU
Financial Services industry group
46.20%
- Max
- 62.84%
- FUTU
- 46.20%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Futu (FUTU) at 66.75% operates in the top operating margin quartile, ahead of American Express (AXP) at 18.43%, which runs around its industry’s norm.
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%
FUTU
Financial Services industry group
66.75%
- Max
- 107.33%
- FUTU
- 66.75%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | AXP | FUTU |
|---|---|---|
| ROE (TTM) | 35.93% | 30.52% |
| ROA (TTM) | 4.03% | 4.51% |
| Net Margin (TTM) | 16.82% | 46.20% |
| Operating Margin (TTM) | 18.43% | 66.75% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Futu (FUTU) at 68.11% clears its industry range for revenue growth, far stronger top-line momentum than American Express (AXP) at 9.52%, which is closer to a typical peer reading.
EPS Growth
Futu (FUTU) at 106.38% 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 FUTU.
Growth Metrics
| Metric | AXP | FUTU |
|---|---|---|
| Revenue Growth (YoY) | 9.52% | 68.11% |
| Revenue Growth (3Y CAGR) | 10.97% | 44.24% |
| EPS Growth (YoY) | 9.78% | 106.38% |
| EPS Growth (3Y CAGR) | 16.01% | 58.06% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: American Express (AXP) in Financial Services and Futu (FUTU) 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 Futu (FUTU) 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 | FUTU |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Futu (FUTU) 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%
FUTU
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- FUTU
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both American Express (AXP) at 15.32% and Futu (FUTU) at 25.80% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
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%
FUTU
Financial Services industry group
25.80%
- Max
- 241.07%
- Q3
- 97.36%
- FUTU
- 25.80%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AXP | FUTU |
|---|---|---|
| Dividend Yield (TTM) | 1.13% | 0.00% |
| Dividend Payout Ratio (TTM) | 15.32% | 25.80% |
Valuation
P/E Ratio (TTM)
Both American Express (AXP) at 18.08 and Futu (FUTU) at 9.73 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
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
FUTU
Financial Services industry group
9.73
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- FUTU
- 9.73
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Futu (FUTU) at 0.57 sits in the cheaper P/S ratio quartile while American Express (AXP) at 2.95 prices around its industry’s middle — FUTU costs less per dollar of sales, though read it alongside growth and margins.
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
FUTU
Financial Services industry group
0.57
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- FUTU
- 0.57
- Min
- -0.55
P/B Ratio (MRQ)
Futu (FUTU) at 2.75 is valued about in line with its industry on P/B ratio, while American Express (AXP) at 6.02 carries an above-peer premium to book — AXP is pricier on assets.
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
FUTU
Financial Services industry group
2.75
- Max
- 7.79
- Q3
- 3.63
- FUTU
- 2.75
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AXP | FUTU |
|---|---|---|
| P/E Ratio (TTM) | 18.08 | 9.73 |
| P/S Ratio (TTM) | 2.95 | 0.57 |
| P/B Ratio (MRQ) | 6.02 | 2.75 |
| Free Cash Flow Yield (TTM) | -- | -- |