AXP vs COF vs MA
161 measures in 16 categories, one definition each, computed from filings and market data.
AXP56.0
American Express Company
Financial Services · Financial - Credit Services
$313.59 −0.09%$211.8B mkt cap
Score DNA
COF63.4
Capital One Financial Corporation
Financial Services · Financial - Credit Services
$201.74 +1.45%$123.8B mkt cap
Score DNA
MA77.4
Mastercard Incorporated
Financial Services · Financial - Credit Services
$617.42 +0.17%$540.9B mkt cap
Score DNA
Price, rebased to 100 three years ago
AXP COF MA · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | AXP | COF | MA |
|---|---|---|---|
| Insider open-market buys, 180d | 0 | 0 | 0 |
| Insider $ bought, 180d | — | — | — |
| Congress purchases, 180d | 5 | 2 | 14 |
| Last Congress purchase | 2026-09-15 | 2026-06-30 | 2026-06-29 |
| 13F net change in holders | +114 | +55 | +9 |
| ETFs adding shares, 30d | 1,395 | 1,219 | 1,764 |
| ETFs trimming, 30d | 1,289 | 1,171 | 1,442 |
| Net ETF funds, 30d | +106 | +48 | +322 |
Valuation
16 measures| Measure | AXP | COF | MA |
|---|---|---|---|
| P/E (TTM) | 18.5x
76th
|
11.8x
65th
|
33.3x
94th
|
| PEG (P/E ÷ 3-yr EPS CAGR) | 0.98
68th
|
1.70
88th
|
1.70
92nd
|
| Price / sales | 2.5x
86th
|
1.6x
67th
|
15.4x
98th
|
| Price / book | 6.2x
93rd
|
1.1x
26th
|
96.4x
100th
|
| Price / tangible book | 6.7x
92nd
|
1.9x
44th
|
— |
| Price / free cash flow | n/a | n/a | n/a |
| Price / operating cash flow | n/a | n/a | n/a |
| Enterprise value | n/a | n/a | n/a |
| EV / sales | n/a | n/a | n/a |
| EV / EBITDA | n/a | n/a | n/a |
| EV / EBIT | n/a | n/a | n/a |
| EV / free cash flow | n/a | n/a | n/a |
| Earnings yield | 5.4%
38th
|
8.5%
48th
|
3.0%
24th
|
| FCF yield | n/a | n/a | n/a |
| Operating cash flow yield | n/a | n/a | n/a |
| Graham number (per share) | $138.58
82nd
|
$264.25
91st
|
$51.31
35th
|
Profitability (TTM)
12 measures| Measure | AXP | COF | MA |
|---|---|---|---|
| Gross margin | n/a | n/a | n/a |
| EBITDA margin | n/a | n/a | n/a |
| Operating margin | 27.2%
67th
|
21.0%
57th
|
59.9%
93rd
|
| EBIT margin | 27.2%
76th
|
21.0%
62nd
|
58.9%
98th
|
| Net margin | 13.6%
62nd
|
13.4%
60th
|
46.3%
98th
|
| NOPAT margin | 21.1%
62nd
|
16.4%
52nd
|
48.3%
90th
|
| FCF margin | n/a | n/a | n/a |
| Operating cash flow margin | n/a | n/a | n/a |
| R&D / revenue | 0.0%
0th
|
0.0%
0th
|
0.0%
0th
|
| SG&A / revenue | 29.8%
74th
|
30.5%
79th
|
32.8%
81st
|
| Stock comp / revenue | 0.7%
43rd
|
0.9%
50th
|
1.4%
67th
|
| Effective tax rate | 22.5%
57th
|
21.9%
50th
|
19.4%
20th
|
Returns on capital
11 measures| Measure | AXP | COF | MA |
|---|---|---|---|
| ROE (on average equity) | 34.4%
81st
|
9.4%
29th
|
241.1%
100th
|
| ROA | 3.8%
64th
|
1.6%
31st
|
29.8%
98th
|
| ROIC | n/a | n/a | n/a |
| ROCE | n/a | n/a | n/a |
| Return on tangible assets | 7.6%
67th
|
2.5%
29th
|
37.9%
98th
|
| Cash ROIC (OCF / invested capital) | n/a | n/a | n/a |
| Gross profitability (GP / assets) | n/a | n/a | n/a |
| ROIC, 3-yr average | n/a | n/a | n/a |
| ROIC, 5-yr average | n/a | n/a | n/a |
| ROE, 5-yr average | 31.7%
92nd
|
9.0%
36th
|
194.1%
100th
|
| Incremental ROIC | n/a | n/a | n/a |
Growth
17 measures| Measure | AXP | COF | MA |
|---|---|---|---|
| Revenue growth (TTM YoY) | 9.4%
44th
|
36.7%
85th
|
16.0%
59th
|
| Revenue growth (QoQ) | 3.4%
64th
|
2.8%
57th
|
10.5%
86th
|
| Revenue CAGR, 3 yr | 10.7%
54th
|
20.8%
81st
|
14.1%
62nd
|
| Revenue CAGR, 5 yr | 16.2%
66th
|
20.3%
74th
|
16.1%
63rd
|
| Gross profit CAGR, 3 yr | n/a | n/a | n/a |
| Operating income CAGR, 3 yr | 35.3%
78th
|
35.6%
81st
|
17.1%
41st
|
| Net income growth (TTM YoY) | 12.8%
33rd
|
— | 19.7%
48th
|
| Net income CAGR, 3 yr | 15.4%
58th
|
25.5%
88th
|
16.7%
62nd
|
| EPS growth (TTM YoY) | 16.3%
33rd
|
— | 23.2%
44th
|
| EPS CAGR, 3 yr | 18.9%
58th
|
6.9%
8th
|
19.5%
62nd
|
| EPS CAGR, 5 yr | 14.0%
85th
|
-8.3%
19th
|
20.5%
92nd
|
| FCF growth (TTM YoY) | n/a | n/a | n/a |
| FCF CAGR, 3 yr | n/a | n/a | n/a |
| Operating cash flow CAGR, 3 yr | n/a | n/a | n/a |
| Book value CAGR, 3 yr | 11.9%
64th
|
8.8%
53rd
|
3.1%
25th
|
| Dividend CAGR, 3 yr | 7.5%
83rd
|
-43.4%
4th
|
6.4%
74th
|
| Sustainable growth rate | 27.1%
76th
|
9.0%
29th
|
197.8%
100th
|
Margin history & stability
7 measures| Measure | AXP | COF | MA |
|---|---|---|---|
| Gross margin, 3-yr average | n/a | n/a | n/a |
| Operating margin, 3-yr average | 20.5%
59th
|
10.1%
21st
|
57.3%
95th
|
| Net margin, 3-yr average | 13.5%
59th
|
7.3%
33rd
|
45.9%
97th
|
| FCF margin, 3-yr average | n/a | n/a | n/a |
| Revenue stability (0-1) | 0.98
82nd
|
0.92
67th
|
0.99
92nd
|
| Earnings stability (0-1) | 0.91
74th
|
0.19
33rd
|
0.98
95th
|
| Margin stability (0-1) | 0.92
90th
|
0.66
18th
|
0.90
74th
|
Liquidity (latest quarter)
7 measures| Measure | AXP | COF | MA |
|---|---|---|---|
| Cash & short-term investments | n/a | n/a | n/a |
| Net cash (− = net debt) | n/a | n/a | n/a |
| Working capital | n/a | n/a | n/a |
| Current ratio | n/a | n/a | n/a |
| Quick ratio | n/a | n/a | n/a |
| Cash ratio (cash + ST investments / current liabilities) | n/a | n/a | n/a |
| Defensive interval (days) | n/a | n/a | n/a |
Leverage & solvency (latest quarter)
13 measures| Measure | AXP | COF | MA |
|---|---|---|---|
| Total debt | n/a | n/a | n/a |
| Debt / equity | n/a | n/a | n/a |
| Net debt / equity | n/a | n/a | n/a |
| Debt / assets | n/a | n/a | n/a |
| Debt / capital | n/a | n/a | n/a |
| Debt / EBITDA | n/a | n/a | n/a |
| Net debt / EBITDA | n/a | n/a | n/a |
| Interest coverage (EBIT / interest) | n/a | n/a | n/a |
| Cash interest coverage | n/a | n/a | n/a |
| Debt payback (years of OCF) | n/a | n/a | n/a |
| Liabilities / assets | 88.9%
71st
|
83.1%
52nd
|
90.3%
83rd
|
| IS credit model rating | AA | AA | AA |
| Implied credit spread (bps) | 80
17th
|
80
17th
|
80
17th
|
Efficiency
11 measures| Measure | AXP | COF | MA |
|---|---|---|---|
| Asset turnover | n/a | n/a | n/a |
| Fixed asset turnover | n/a | n/a | n/a |
| Inventory turnover | n/a | n/a | n/a |
| Receivables turnover | n/a | n/a | n/a |
| Days sales outstanding | n/a | n/a | n/a |
| Days inventory outstanding | n/a | n/a | n/a |
| Days payables outstanding | n/a | n/a | n/a |
| Cash conversion cycle (days) | n/a | n/a | n/a |
| Capex / revenue | n/a | n/a | n/a |
| Capex / depreciation | n/a | n/a | n/a |
| Operating expense ratio | n/a | n/a | n/a |
Cash flow & earnings quality
7 measures| Measure | AXP | COF | MA |
|---|---|---|---|
| Operating cash flow / net income | n/a | n/a | n/a |
| FCF / net income | n/a | n/a | n/a |
| FCF / operating cash flow | n/a | n/a | n/a |
| Capex / operating cash flow | n/a | n/a | n/a |
| Accruals ratio | n/a | n/a | n/a |
| Sloan accruals ratio | n/a | n/a | n/a |
| Earnings quality score (0-1) | n/a | n/a | n/a |
Scores & forensic checks
15 measures| Measure | AXP | COF | MA |
|---|---|---|---|
| IS score | 56
55th
|
63
74th
|
77
95th
|
| IS profitability | 75
81st
|
61
67th
|
100
95th
|
| IS growth | 58
41st
|
59
49th
|
89
100th
|
| IS value | 50
31st
|
83
71st
|
44
24th
|
| IS momentum | 83
59th
|
85
64th
|
86
69th
|
| IS risk (safety) | 100
45th
|
90
33rd
|
100
45th
|
| IS quality | 80
90th
|
81
93rd
|
67
74th
|
| IS balance sheet | 50
62nd
|
45
57th
|
58
81st
|
| IS earnings quality | 70
57th
|
89
100th
|
76
81st
|
| IS cash flow | 74
50th
|
93
95th
|
76
64th
|
| Piotroski F-score (0-9) | 9
95th
|
7
45th
|
7
45th
|
| Altman Z-score | — | — | — |
| Beneish M-score | — | — | — |
| Ohlson O-score | −7.37
24th
|
−6.55
45th
|
−7.25
26th
|
| IS credit score | 89
83rd
|
89
79th
|
87
67th
|
Size (TTM)
8 measures| Measure | AXP | COF | MA |
|---|---|---|---|
| Market cap | $211.8B
95th
|
$123.8B
93rd
|
$540.9B
98th
|
| Revenue | $84.1B
100th
|
$78.5B
98th
|
$35.1B
93rd
|
| EBITDA | $24.7B
98th
|
$23.1B
95th
|
$21.9B
93rd
|
| Net income | $11.4B
95th
|
$10.5B
93rd
|
$16.3B
98th
|
| Free cash flow | n/a | n/a | n/a |
| Total assets | $308.2B
95th
|
$673.8B
100th
|
$57.7B
79th
|
| Shareholders' equity | $34.3B
93rd
|
$113.8B
100th
|
$5.6B
79th
|
| Employees | 76,800
98th
|
78,400
100th
|
39,800
95th
|
Price performance
9 measures| Measure | AXP | COF | MA |
|---|---|---|---|
| 1 day | −0.1% | +1.4% | +0.2% |
| 1 week | +1.8% | +1.2% | +4.8% |
| 1 month | +0.8% | −0.1% | +9.1% |
| 3 months | −10.9% | −2.4% | +12.8% |
| 6 months | −5.5% | −2.3% | +18.4% |
| Year to date | −15.9% | −18.3% | +9.8% |
| 1 year | −5.2% | −5.8% | +9.7% |
| 3 years, cumulative | +111.7% | +115.1% | +56.2% |
| 5 years, cumulative | +88.3% | +29.0% | +78.0% |
Technicals
4 measures| Measure | AXP | COF | MA |
|---|---|---|---|
| RSI 14 | 52.4 | 51.6 | 75.2 |
| From 52-week high | −19.1% | −22.0% | −0.8% |
| From 52-week low | +8.1% | +15.8% | +32.9% |
| Beta | 1.08 | 1.04 | 0.76 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17