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AXP vs JPM

AXP
American Express Company
NEUTRAL
Price
$332.90
Market Cap
$228.57B
Sector
Financial Services
AI Confidence
85%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AXP
21.64
JPM
15.68
Forward P/E
AXP
16.55
JPM
13.42
P/B Ratio
AXP
6.82
JPM
2.47
P/S Ratio
AXP
3.41
JPM
5.03
EV/EBITDA
AXP
--
JPM
--

Profitability

Gross Margin
AXP
63.47%
JPM
0.0%
Operating Margin
AXP
17.46%
JPM
41.06%
Profit Margin
AXP
16.18%
JPM
33.91%
ROE
AXP
33.99%
JPM
16.13%
ROA
AXP
3.79%
JPM
1.35%

Growth

Revenue Growth
AXP
10.6%
JPM
2.5%
Earnings Growth
AXP
16.6%
JPM
-3.6%

Financial Health

Debt/Equity
AXP
1.91
JPM
--
Current Ratio
AXP
1.41
JPM
--
Quick Ratio
AXP
1.39
JPM
--

Dividends

Dividend Yield
AXP
1.14%
JPM
1.91%
Payout Ratio
AXP
21.33%
JPM
28.97%

AI Verdict

AXP NEUTRAL

American Express exhibits a stable financial profile with a Piotroski F-Score of 4/9 and strong profitability metrics, including a high ROE of 33.99%. While the stock trades at a significant premium to its Graham Number ($129.95), it remains below its growth-based intrinsic value of $453.71. However, the outlook is tempered by a bearish technical trend (0/100) and consistent insider selling totaling $36.4M. The company shows robust YoY earnings growth of 16.6%, but recent Q/Q EPS contraction and macroeconomic sensitivities create a balanced risk-reward profile.

Strengths
Exceptional Return on Equity (ROE) of 33.99%
Strong YoY Revenue (10.60%) and Earnings (16.60%) growth
Highly sustainable dividend payout ratio of 21.33%
Risks
High Debt/Equity ratio of 1.91, typical for credit services but increases leverage risk
Significant bearish insider sentiment with 8 sell transactions and 0 buys
High Price-to-Book ratio (6.82) indicating a steep valuation premium
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

AXP vs JPM: Head-to-Head Comparison

This page compares American Express Company (AXP) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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