AXP vs. XYZ: American Express vs. Block Stock Comparison
How do American Express (AXP) and Block (XYZ) 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 Block (XYZ) both fall under the Financial Services industry group, but AXP is classified in Consumer Finance while XYZ is classified in Financial Services.
| Profile Item | AXP | XYZ |
|---|---|---|
| Name | American Express Company | Block Inc. Class A Common Stock |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Consumer Finance | Financial Services |
| GICS Sub-Industry | Consumer Finance | Transaction & Payment Processing Services |
| Market Capitalization | 215.24 billion USD | 51.67 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 1, 1972 | November 19, 2015 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AXP | XYZ |
|---|---|---|
| Total Return (1Y) | -10.80% | 35.34% |
| Total Return (3Y, Annualized) | 30.19% | 20.17% |
| Total Return (5Y, Annualized) | 13.96% | -17.43% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
Block (XYZ) carries a highly aggressive beta of 2.48, indicating much higher sensitivity to broad-market moves, whereas American Express (AXP) is closer to market-like at 1.06 — a noticeable difference in market-sensitivity profile.
| Metric | AXP | XYZ |
|---|---|---|
| Volatility (1Y, Annualized) | 26.18% | 48.01% |
| Beta (5Y) | 1.06 | 2.48 |
| Max Drawdown (5Y) | -31.55% | -83.55% |
| Avg. Volume (3M) | 2.91M | 4.73M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AXP | XYZ |
|---|---|---|
| Sharpe Ratio (1Y) | -0.58 | 0.65 |
| Sortino Ratio (1Y) | -0.74 | 1.03 |
Profitability
ROE (TTM)
American Express (AXP) at 35.93% sits in the top ROE quartile, while Block (XYZ) at 2.02% is in the bottom quartile, showing a clear gap in returns on equity.
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%
XYZ
Financial Services industry group
2.02%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- XYZ
- 2.02%
- Min
- -18.71%
Net Margin (TTM)
American Express (AXP) at 16.82% keeps about the industry-typical share of revenue as profit, while Block (XYZ) at 1.80% retains only a bottom-quartile 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%
XYZ
Financial Services industry group
1.80%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- XYZ
- 1.80%
- Min
- -28.52%
Operating Margin (TTM)
American Express (AXP) at 18.43% runs core operations around its industry’s norm, while Block (XYZ) at 6.65% 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%
XYZ
Financial Services industry group
6.65%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- XYZ
- 6.65%
- Min
- -44.34%
Profitability Metrics
| Metric | AXP | XYZ |
|---|---|---|
| ROE (TTM) | 35.93% | 2.02% |
| ROA (TTM) | 4.03% | 1.94% |
| Net Margin (TTM) | 16.82% | 1.80% |
| Operating Margin (TTM) | 18.43% | 6.65% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
American Express (AXP) at 9.52% is around its peer norm for revenue growth, while Block (XYZ) at 0.30% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
American Express (AXP) at 9.78% is around its peer norm for EPS growth, while Block (XYZ) at -53.95% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | AXP | XYZ |
|---|---|---|
| Revenue Growth (YoY) | 9.52% | 0.30% |
| Revenue Growth (3Y CAGR) | 10.97% | 11.33% |
| EPS Growth (YoY) | 9.78% | -53.95% |
| EPS Growth (3Y CAGR) | 16.01% | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: American Express (AXP) in Financial Services and Block (XYZ) 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 Block (XYZ) 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 | XYZ |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Block (XYZ) 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%
XYZ
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- XYZ
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Block (XYZ) 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%
XYZ
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- XYZ
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AXP | XYZ |
|---|---|---|
| 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 Block (XYZ) at 112.47 sits above its peer range — an unusually expensive price for XYZ’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
XYZ
Financial Services industry group
112.47
- XYZ
- 112.47
- Max
- 45.85
- Q3
- 24.64
- 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 Block (XYZ) at 2.01 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
XYZ
Financial Services industry group
2.01
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- XYZ
- 2.01
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Block (XYZ) at 2.26 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
XYZ
Financial Services industry group
2.26
- Max
- 7.79
- Q3
- 3.63
- XYZ
- 2.26
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AXP | XYZ |
|---|---|---|
| P/E Ratio (TTM) | 18.08 | 112.47 |
| P/S Ratio (TTM) | 2.95 | 2.01 |
| P/B Ratio (MRQ) | 6.02 | 2.26 |
| Free Cash Flow Yield (TTM) | -- | -- |