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American Express (AXP) vs. Visa (V)

This page compares American Express (AXP) with Visa (V) using performance and risk, profitability, financial strength, growth, dividends, and valuation metrics.

Company Profile

American Express (AXP) and Visa (V) both fall under the Financial Services industry group, but AXP is classified in Consumer Finance while V is classified in Financial Services.

SymbolAXPV
NameAmerican Express CompanyVisa Inc. Class A
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryConsumer FinanceFinancial Services
GICS Sub-IndustryConsumer FinanceTransaction & Payment Processing Services
Market Capitalization213.25 billion USD608.90 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateJune 1, 1972March 19, 2008
Security TypeCommon StockCommon Stock

Valuation

Price-to-Earnings Ratio (TTM)

American Express (AXP) at 19.50 carries typical industry Price-to-Earnings Ratio (TTM), while Visa (V) at 27.94 sits in the higher-multiple quartile — V carries a higher trailing earnings multiple relative to peers.

AXP

Financial Services industry group

19.50

Max
46.27
Q3
24.92
Median
14.24
Q1
8.77
Min
0.63

V

Financial Services industry group

27.94

Max
46.27
Q3
24.92
Median
14.24
Q1
8.77
Min
0.63
American Express (AXP) vs. Visa (V): A comparison of their Price-to-Earnings Ratio (TTM) against the Financial Services industry group benchmark.

Price-to-Sales Ratio (TTM)

American Express (AXP) at 3.10 prices around its industry’s typical Price-to-Sales Ratio (TTM), while Visa (V) at 14.15 clears its benchmark range — V looks notably rich on sales.

AXP

Financial Services industry group

3.10

Max
9.23
Q3
4.77
Median
2.85
Q1
1.44
Min
-1.11

V

Financial Services industry group

14.15

Max
9.23
Q3
4.77
Median
2.85
Q1
1.44
Min
-1.11
American Express (AXP) vs. Visa (V): A comparison of their Price-to-Sales Ratio (TTM) against the Financial Services industry group benchmark.

Price-to-Book Ratio (MRQ)

Both look rich against book: American Express (AXP) at 6.27 sits in the upper Price-to-Book Ratio (MRQ) quartile, and Visa (V) at 17.18 prices even higher, above its industry range.

AXP

Financial Services industry group

6.27

Max
6.87
Q3
3.29
Median
1.60
Q1
0.89
Min
0.00

V

Financial Services industry group

17.18

Max
6.87
Q3
3.29
Median
1.60
Q1
0.89
Min
0.00
American Express (AXP) vs. Visa (V): A comparison of their Price-to-Book Ratio (MRQ) against the Financial Services industry group benchmark.

Valuation at a Glance

SymbolAXPV
Price-to-Earnings Ratio (TTM)19.5027.94
Price-to-Sales Ratio (TTM)3.1014.15
Price-to-Book Ratio (MRQ)6.2717.18
Free Cash Flow Yield--3.42%

Profitability

Return on Equity (TTM)

Visa (V) leads with Return on Equity (TTM) of 60.35%, above its industry benchmark range, while American Express (AXP) at 34.42% also ranks strongly in the top quartile.

AXP

Financial Services industry group

34.42%

Max
42.17%
Q3
21.43%
Median
12.16%
Q1
4.99%
Min
-18.74%

V

Financial Services industry group

60.35%

Max
42.17%
Q3
21.43%
Median
12.16%
Q1
4.99%
Min
-18.74%
American Express (AXP) vs. Visa (V): A comparison of their Return on Equity (TTM) against the Financial Services industry group benchmark.

Net Profit Margin (TTM)

Visa (V) at 51.68% retains a top-quartile share of revenue as profit, ahead of American Express (AXP) at 16.31%, which keeps about the industry-typical share.

AXP

Financial Services industry group

16.31%

Max
66.55%
Q3
30.45%
Median
16.58%
Q1
4.45%
Min
-26.88%

V

Financial Services industry group

51.68%

Max
66.55%
Q3
30.45%
Median
16.58%
Q1
4.45%
Min
-26.88%
American Express (AXP) vs. Visa (V): A comparison of their Net Profit Margin (TTM) against the Financial Services industry group benchmark.

Operating Profit Margin (TTM)

Visa (V) at 67.35% operates in the top Operating Profit Margin (TTM) quartile, ahead of American Express (AXP) at 21.25%, which runs around its industry’s norm.

AXP

Financial Services industry group

21.25%

Max
95.95%
Q3
50.68%
Median
27.45%
Q1
12.07%
Min
-36.26%

V

Financial Services industry group

67.35%

Max
95.95%
Q3
50.68%
Median
27.45%
Q1
12.07%
Min
-36.26%
American Express (AXP) vs. Visa (V): A comparison of their Operating Profit Margin (TTM) against the Financial Services industry group benchmark.

Profitability at a Glance

SymbolAXPV
Return on Equity (TTM)34.42%60.35%
Return on Assets (TTM)3.80%19.19%
Net Profit Margin (TTM)16.31%51.68%
Operating Profit Margin (TTM)21.25%67.35%
Gross Profit Margin (TTM)62.76%97.78%

Growth

Revenue Growth

American Express (AXP) vs. Visa (V): A comparison of their Revenue Growth across different time periods.

Revenue Growth at a Glance

SymbolAXPV
1-Year Revenue Growth9.52%11.34%
3-Year Revenue CAGR10.97%10.92%

EPS Growth

American Express (AXP) vs. Visa (V): A comparison of their EPS Growth across different time periods.

EPS Growth at a Glance

SymbolAXPV
1-Year EPS Growth9.78%4.83%
3-Year EPS CAGR16.01%13.37%

Financial Strength

Current Ratio (MRQ)

Current Ratio (MRQ) isn’t a meaningful figure for either American Express (AXP) in Financial Services or Visa (V) in Financial Services under our convention.

AXP

Financial Services industry group

1.57

Max
8.56
Q3
4.36
Median
1.85
Q1
1.11
Min
0.05

V

Financial Services industry group

1.09

Max
8.56
Q3
4.36
Median
1.85
Q1
1.11
Min
0.05
American Express (AXP) vs. Visa (V): A comparison of their Current Ratio (MRQ) against the Financial Services industry group benchmark.

Debt-to-Equity Ratio (MRQ)

Debt-to-Equity Ratio (MRQ) isn’t a meaningful figure for either American Express (AXP) in Financial Services or Visa (V) in Financial Services under our convention.

AXP

Financial Services industry group

1.78

Max
6.26
Q3
2.76
Median
1.19
Q1
0.35
Min
0.00

V

Financial Services industry group

0.67

Max
6.26
Q3
2.76
Median
1.19
Q1
0.35
Min
0.00
American Express (AXP) vs. Visa (V): A comparison of their Debt-to-Equity Ratio (MRQ) against the Financial Services industry group benchmark.

Financial Strength at a Glance

SymbolAXPV
Current Ratio (MRQ)1.571.09
Debt-to-Equity Ratio (MRQ)1.780.67
Net Debt / EBITDA--0.33

Dividends

Dividend Yield (TTM)

Both American Express (AXP) at 1.22% and Visa (V) at 0.84% report Dividend Yield (TTM) near their industry mid-ranges, so neither company stands out strongly from peers on cash yield relative to share price.

AXP

Financial Services industry group

1.22%

Max
19.24%
Q3
8.24%
Median
1.97%
Q1
0.00%
Min
0.00%

V

Financial Services industry group

0.84%

Max
19.24%
Q3
8.24%
Median
1.97%
Q1
0.00%
Min
0.00%
American Express (AXP) vs. Visa (V): A comparison of their Dividend Yield (TTM) against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Both American Express (AXP) at 21.29% and Visa (V) at 21.97% maintain Dividend Payout Ratio (TTM) around their industries’ median — balanced dividend policy on both sides, returning cash while leaving part of reported earnings available for reinvestment or balance-sheet flexibility.

AXP

Financial Services industry group

21.29%

Max
228.57%
Q3
95.89%
Median
25.17%
Q1
0.00%
Min
0.00%

V

Financial Services industry group

21.97%

Max
228.57%
Q3
95.89%
Median
25.17%
Q1
0.00%
Min
0.00%
American Express (AXP) vs. Visa (V): A comparison of their Dividend Payout Ratio (TTM) against the Financial Services industry group benchmark.

Dividends at a Glance

SymbolAXPV
Dividend Yield (TTM)1.22%0.84%
Dividend Payout Ratio (TTM)21.29%21.97%

Performance & Risk

AXP
V
Loading price history…
American Express (AXP) vs. Visa (V): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Performance & Risk at a Glance

SymbolAXPV
1-Year Return6.72%-12.31%
1-Year Volatility26.34%22.29%
Beta1.060.77
3-Month Avg. Volume3.32M7.46M