AXP
American Express Company
AXP has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over AXP overall, supported by stronger valuation and stronger fundamentals.
AXP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
AXP's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like AXP.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
AXP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 16x | $276 | -13% |
| Forward | 16x | $318 | — |
| Current | 18x | $318 | — |
| Fair | 19x | $338 | +6.4% |
| Expensive | 23x | $407 | +28% |
Historical ranges are pointers, not guarantees.
AXP's PE is in its fair range at 18x. If earnings grow as analysts expect, today's price would be 16x next year's earnings, in its cheap range.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over AXP in the historical PE scenario, which offers more potential upside but is not a forecast.
AXP Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for AXP, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
AXP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $19.38 | +9.2% |
| Q3 2026 | $17.75 | +19% |
| Q2 2026 | $16.47 | +16% |
| Q1 2026 | $16.02 | +12% |
| Q4 2025 | $15.38 | +9.8% |
| Q3 2025 | $14.90 | +9.6% |
| Q2 2025 | $14.25 | +6.3% |
| Q1 2025 | $14.32 | +18% |
| Q4 2024 | $14.01 | +25% |
AXP has the edge over SOFI on earnings, with more consistent year-over-year improvement.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
AXP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.1B | +8.9% |
| Q2 2026 | $19.6B | +10% |
| Q1 2026 | $18.9B | +11% |
| Q4 2025 | $19B | +10% |
| Q3 2025 | $18.4B | +11% |
| Q2 2025 | $17.9B | +9.3% |
| Q1 2025 | $17B | +7.4% |
| Q4 2024 | $17.2B | +8.7% |
AXP's revenue has grown year over year for 22 quarters in a row: $20.1B last quarter, up 8.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +1.8 points |
| Q2 2026 | 21% | +0.9 points |
| Q1 2026 | 20% | +0.4 points |
| Q4 2025 | 16% | +0.2 points |
| Q3 2025 | 21% | +1.5 points |
| Q2 2025 | 20% | -3.3 points |
| Q1 2025 | 20% | -0.3 points |
| Q4 2024 | 16% | +0.1 points |
AXP's operating margin was 23% last quarter, up 1.8 points from the same quarter a year ago.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over AXP on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI has the edge over AXP on profitability, with a higher operating margin.
AXP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.4B | -20% |
| Q2 2026 | $4.5B | +19% |
| Q1 2026 | $2.7B | -39% |
| Q4 2025 | $2.3B | -56% |
| Q3 2025 | $5.6B | +$7.8B |
| Q2 2025 | $3.7B | -5.6% |
| Q1 2025 | $4.3B | -16% |
| Q4 2024 | $5.3B | -17% |
AXP has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
AXP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -5M shares |
| 1 year | -2.7% | -19M shares |
| 3 years | -8% | -59M shares |
| 5 years | -14% | -113M shares |
| Available history | -19% | -156M shares |
AXP has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.6B |
| Q2 2026 | $2.3B |
| Q1 2026 | $1.9B |
| Q4 2025 | $899M |
| Q3 2025 | $2.4B |
| Q2 2025 | $1.4B |
| Q1 2025 | $1.2B |
| Q4 2024 | $1B |
AXP spent $6.7B buying back its own shares over the past year, up 13% from the year before.
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
AXP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.2x | Elevated |
| Q2 2026 | 3.3x | Elevated |
| Q1 2026 | 3.6x | Elevated |
| Q4 2025 | 3.5x | Elevated |
| Q3 2025 | 3.7x | Elevated |
| Q2 2025 | 3.9x | Elevated |
| Q1 2025 | 3.4x | Elevated |
| Q4 2024 | 3.3x | Elevated |
AXP's net debt is about 3.2 years of its operating earnings (EBITDA), down from 3.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like AXP.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has the edge over AXP on leverage, with a lower net debt burden relative to earnings.
AXP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 46.8 | Neutral |
| Stochastic | 41.5 | Neutral |
AXP's weekly RSI is 47 (neutral) and its Stochastic is 41 (neutral).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
AXP PE vs Financial Services Sector
| Metric | AXP | Sector median | Relative |
|---|---|---|---|
| PE | 18x | 13x | 38% above |
| PE % | 36 | 63 | 27 pts below |
AXP has the edge over SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
AXP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $313.1 | 1.6% above |
| 20 week MA | $327.0 | 2.7% below |
| 50 week MA | $331.4 | 4% below |
| 100 week MA | $319.7 | 0.5% below |
| 200 week MA | $261.5 | 22% above |
AXP has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
AXP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $125.2 | $117.4 | -6.3% |
| 2021 | $117.4 | $164.2 | +40% |
| 2022 | $164.2 | $147.0 | -10% |
| 2023 | $147.0 | $187.3 | +27% |
| 2024 | $187.3 | $301.1 | +61% |
| 2025 | $301.1 | $381.1 | +27% |
| 2026 YTD | $381.1 | $318.1 | -17% |
AXP has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.