American Express vs Capital One
American Express is the larger business, with $72.23bn of revenue in fiscal 2025 against $53.43bn for Capital One (1.4 times as much). Capital One grew faster (36.6% against 9.5%). American Express kept more of each dollar of sales as profit: a net margin of 15.0% against 4.6%.
| Latest fiscal year | American ExpressAXP, 2025 | Capital OneCOF, 2025 |
|---|---|---|
| Revenue | $72.23bn | $53.43bn |
| Revenue growth | 9.5% | 36.6% |
| Net income | $10.83bn | $2.45bn |
| Operating margin | — | — |
| Net margin | 15.0% | 4.6% |
| Return on equity | 34.0% | 2.8% |
| Free cash flow | $16.00bn | $26.14bn |
| Cash | $47.79bn | $62.09bn |
| Total debt | $57.76bn | $51.00bn |
| Debt to equity | — | — |
| Dividend per share | $3.28 | — |
| Dividend yield | 1.1% | 1.5% |
| Share buybacks | $5.81bn | $4.10bn |
| Employees | 76,800 | 76,300 |
| Market value | $218.01bn | $127.66bn |
| Price vs our value range | — | — |
| Moat score | 64 (Moderate) | 37 (Weak) |
| Insider trades, 12 months | 0 buys, 16 sales | 0 buys, 67 sales |