AXP vs. UBS: American Express vs. UBS Stock Comparison
How do American Express (AXP) and UBS (UBS) 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 UBS (UBS) both fall under the Financial Services industry group, but AXP is classified in Consumer Finance while UBS is classified in Capital Markets.
| Profile Item | AXP | UBS |
|---|---|---|
| Name | American Express Company | UBS Group AG |
| Country/Region | United States | Switzerland |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Capital Markets |
| GICS Sub-Industry | Consumer Finance | Diversified Capital Markets |
| Market Capitalization | 215.24 billion USD | 144.79 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 1, 1972 | May 16, 2000 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AXP | UBS |
|---|---|---|
| Total Return (1Y) | -10.80% | 30.78% |
| Total Return (3Y, Annualized) | 30.19% | 29.39% |
| Total Return (5Y, Annualized) | 13.96% | 25.00% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AXP | UBS |
|---|---|---|
| Volatility (1Y, Annualized) | 26.18% | 27.78% |
| Beta (5Y) | 1.06 | 1.15 |
| Max Drawdown (5Y) | -31.55% | -32.48% |
| Avg. Volume (3M) | 2.91M | 1.93M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AXP | UBS |
|---|---|---|
| Sharpe Ratio (1Y) | -0.58 | 0.95 |
| Sortino Ratio (1Y) | -0.74 | 1.44 |
Profitability
ROE (TTM)
Capital efficiency shows on one side only: American Express (AXP) earns 35.93% on shareholders’ equity, ranked against its industry; UBS (UBS) has no ROE this period.
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%
UBS
Financial Services industry group
--
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
- UBS
- --
Net Margin (TTM)
Both American Express (AXP) at 16.82% and UBS (UBS) at 18.18% 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%
UBS
Financial Services industry group
18.18%
- Max
- 62.84%
- Q3
- 28.05%
- UBS
- 18.18%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both American Express (AXP) at 18.43% and UBS (UBS) at 27.10% 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%
UBS
Financial Services industry group
27.10%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- UBS
- 27.10%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | AXP | UBS |
|---|---|---|
| ROE (TTM) | 35.93% | -- |
| ROA (TTM) | 4.03% | -- |
| Net Margin (TTM) | 16.82% | 18.18% |
| Operating Margin (TTM) | 18.43% | 27.10% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both American Express (AXP) at 9.52% and UBS (UBS) at 4.30% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
UBS (UBS) at 55.26% 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 UBS.
Growth Metrics
| Metric | AXP | UBS |
|---|---|---|
| Revenue Growth (YoY) | 9.52% | 4.30% |
| Revenue Growth (3Y CAGR) | 10.97% | 12.44% |
| EPS Growth (YoY) | 9.78% | 55.26% |
| EPS Growth (3Y CAGR) | 16.01% | 1.60% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: American Express (AXP) in Financial Services and UBS (UBS) 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 UBS (UBS) 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 | UBS |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
UBS (UBS) 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%
UBS
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- UBS
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both American Express (AXP) at 15.32% and UBS (UBS) at 36.30% 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%
UBS
Financial Services industry group
36.30%
- Max
- 241.07%
- Q3
- 97.36%
- UBS
- 36.30%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AXP | UBS |
|---|---|---|
| Dividend Yield (TTM) | 1.13% | 0.00% |
| Dividend Payout Ratio (TTM) | 15.32% | 36.30% |
Valuation
P/E Ratio (TTM)
Both American Express (AXP) at 18.08 and UBS (UBS) at 15.77 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
UBS
Financial Services industry group
15.77
- Max
- 45.85
- Q3
- 24.64
- UBS
- 15.77
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both American Express (AXP) at 2.95 and UBS (UBS) at 2.71 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
UBS
Financial Services industry group
2.71
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- UBS
- 2.71
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
UBS (UBS) at 1.64 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
UBS
Financial Services industry group
1.64
- Max
- 7.79
- Q3
- 3.63
- UBS
- 1.64
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AXP | UBS |
|---|---|---|
| P/E Ratio (TTM) | 18.08 | 15.77 |
| P/S Ratio (TTM) | 2.95 | 2.71 |
| P/B Ratio (MRQ) | 6.02 | 1.64 |
| Free Cash Flow Yield (TTM) | -- | -- |