American Express Company (AXP) vs SoFi Technologies, Inc. (SOFI)
- American Express Company AXP 313.59 −0.09%
- SoFi Technologies, Inc. SOFI 14.55 −3.58%
American Express Company and SoFi Technologies, Inc. are both Credit Services companies. American Express Company is the larger, with a market value of $212.0B against $19.5B — 10.9× the size. American Express Company trades at the lower P/E: 19.0× against 28.5×. SoFi Technologies, Inc. grew revenue faster over the last twelve months: 34.1% against 9.38%. American Express Company has the higher net margin (13.5% vs 11.4%) and the higher return on invested capital (20.0% vs 4.26%). Across the 17 metrics below, American Express Company leads on 13 and SoFi Technologies, Inc. on 4.
Valuation
Profitability
| Metric | AXP | SOFI | Credit Services median |
|---|---|---|---|
| Gross margin | 90.34% | 77.13% | 77.13% |
| Operating margin | 0.00% | 0.00% | 0.34% |
| Net margin | 13.45% | 11.39% | 9.25% |
| Free cash flow margin | 17.90% | (157.63%) | 12.91% |
| Return on equity | 33.97% | 7.09% | 8.49% |
| Return on assets | 3.75% | 1.25% | 2.16% |
| Return on invested capital | 20.04% | 4.26% | 4.09% |
Growth
Health
Dividend
Size
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