AXP vs BFH
American Express Company and Bread Financial Holdings, Inc., side by side — 10 fiscal years reported in USD, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | AXP | BFH |
|---|---|---|
| Revenue | $41.3B | $3.8B |
| Net income | $10.8B | $518.0M |
| Gross margin | — | 37.0% |
| Net margin | 26.2% | 13.5% |
| Return on equity | 34.0% | 16.2% |
| Diluted EPS | $15.38 | $10.89 |
| Dividend / share | $3.28 | $0.86 |
| Payout ratio | 21.0% | 7.7% |
| Free cash flow | $16.0B | $1.8B |
| Equity | $33.5B | $3.3B |
| Net debt / equity | 0.30× | 0.21× |
| Current ratio | — | 1.88× |
| Revenue CAGR 5y | 13.5% | 3.1% |
| Profit CAGR 5y | 28.1% | 19.3% |
AXP bills 10.7× the revenue of BFH, and keeps more of each dollar of revenue as profit (26.2% against 13.5%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
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Revenue by year
10 years side by side
| Fiscal year | AXP | BFH |
|---|---|---|
| FY2025 | $41.3B | $3.8B |
| FY2024 | $38.8B | $3.8B |
| FY2023 | $37.2B | $4.3B |
| FY2022 | $34.2B | $3.8B |
| FY2021 | $27.7B | $3.3B |
| FY2020 | $22.0B | $3.3B |
| FY2019 | $28.2B | $4.0B |
| FY2018 | $26.6B | $960.1M |
| FY2017 | $24.8B | $5.5B |
| FY2016 | $24.2B | $7.1B |
Net income by year
Bottom line
| Fiscal year | AXP | BFH |
|---|---|---|
| FY2025 | $10.8B | $518.0M |
| FY2024 | $10.1B | $277.0M |
| FY2023 | $8.4B | $718.0M |
| FY2022 | $7.5B | $223.0M |
| FY2021 | $8.1B | $801.0M |
| FY2020 | $3.1B | $214.0M |
| FY2019 | $6.8B | $278.0M |
| FY2018 | $6.9B | $963.1M |
| FY2017 | $2.7B | $788.7M |
| FY2016 | $5.4B | $517.6M |
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