AXP vs. TROW: American Express vs. T. Rowe Price Stock Comparison
How do American Express (AXP) and T. Rowe Price (TROW) 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 T. Rowe Price (TROW) both fall under the Financial Services industry group, but AXP is classified in Consumer Finance while TROW is classified in Capital Markets.
| Profile Item | AXP | TROW |
|---|---|---|
| Name | American Express Company | T. Rowe Price Group Inc. |
| 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 | Asset Management & Custody Banks |
| Market Capitalization | 215.24 billion USD | 23.13 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | June 1, 1972 | April 2, 1986 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AXP | TROW |
|---|---|---|
| Total Return (1Y) | -10.80% | 14.59% |
| Total Return (3Y, Annualized) | 30.19% | 11.26% |
| Total Return (5Y, Annualized) | 13.96% | -8.60% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AXP | TROW |
|---|---|---|
| Volatility (1Y, Annualized) | 26.18% | 24.99% |
| Beta (5Y) | 1.06 | 1.39 |
| Max Drawdown (5Y) | -31.55% | -57.57% |
| Avg. Volume (3M) | 2.91M | 1.72M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AXP | TROW |
|---|---|---|
| Sharpe Ratio (1Y) | -0.58 | 0.41 |
| Sortino Ratio (1Y) | -0.74 | 0.58 |
Profitability
ROE (TTM)
American Express (AXP) at 35.93% sits in the top ROE quartile, while T. Rowe Price (TROW) at 18.20% 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%
TROW
Financial Services industry group
18.20%
- Max
- 44.78%
- Q3
- 21.85%
- TROW
- 18.20%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
T. Rowe Price (TROW) at 28.40% 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%
TROW
Financial Services industry group
28.40%
- Max
- 62.84%
- TROW
- 28.40%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both American Express (AXP) at 18.43% and T. Rowe Price (TROW) at 38.60% 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%
TROW
Financial Services industry group
38.60%
- Max
- 107.33%
- Q3
- 55.90%
- TROW
- 38.60%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | AXP | TROW |
|---|---|---|
| ROE (TTM) | 35.93% | 18.20% |
| ROA (TTM) | 4.03% | 10.67% |
| Net Margin (TTM) | 16.82% | 28.40% |
| Operating Margin (TTM) | 18.43% | 38.60% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both American Express (AXP) at 9.52% and T. Rowe Price (TROW) at 3.12% 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 T. Rowe Price (TROW) at 0.98% 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 | TROW |
|---|---|---|
| Revenue Growth (YoY) | 9.52% | 3.12% |
| Revenue Growth (3Y CAGR) | 10.97% | 4.08% |
| EPS Growth (YoY) | 9.78% | 0.98% |
| EPS Growth (3Y CAGR) | 16.01% | 11.31% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: American Express (AXP) in Financial Services and T. Rowe Price (TROW) 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 T. Rowe Price (TROW) 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 | TROW |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
T. Rowe Price (TROW) at 4.76% delivers top-quartile income for its industry, while American Express (AXP) at 1.13% pays a more typical yield — both are credible income propositions, TROW the richer one.
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%
TROW
Financial Services industry group
4.76%
- Max
- 9.77%
- TROW
- 4.76%
- Q3
- 3.92%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both American Express (AXP) at 15.32% and T. Rowe Price (TROW) at 52.33% 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%
TROW
Financial Services industry group
52.33%
- Max
- 241.07%
- Q3
- 97.36%
- TROW
- 52.33%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AXP | TROW |
|---|---|---|
| Dividend Yield (TTM) | 1.13% | 4.76% |
| Dividend Payout Ratio (TTM) | 15.32% | 52.33% |
Valuation
P/E Ratio (TTM)
Both American Express (AXP) at 18.08 and T. Rowe Price (TROW) at 10.97 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
TROW
Financial Services industry group
10.97
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- TROW
- 10.97
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both American Express (AXP) at 2.95 and T. Rowe Price (TROW) at 3.00 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
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
TROW
Financial Services industry group
3.00
- Max
- 9.23
- Q3
- 4.57
- TROW
- 3.00
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
T. Rowe Price (TROW) at 2.03 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
TROW
Financial Services industry group
2.03
- Max
- 7.79
- Q3
- 3.63
- TROW
- 2.03
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AXP | TROW |
|---|---|---|
| P/E Ratio (TTM) | 18.08 | 10.97 |
| P/S Ratio (TTM) | 2.95 | 3.00 |
| P/B Ratio (MRQ) | 6.02 | 2.03 |
| Free Cash Flow Yield (TTM) | -- | -- |