AXP vs BFH
American Express Co. and Bread Financial Holdings, Inc., side by side — 10 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | AXP | BFH |
|---|---|---|
| Revenue | $72.2B | $3.8B |
| Net income | $10.8B | $518.0M |
| Gross margin | · | · |
| Net margin | 15.0% | 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 | · |
| Equity | $33.5B | $3.3B |
| Net debt / equity | 0.30× | 0.21× |
| Current ratio | · | · |
| Revenue CAGR 5y | 14.9% | 3.1% |
| Profit CAGR 5y | 28.1% | 19.3% |
AXP bills 18.8× the revenue of BFH, and keeps more of each dollar of revenue as profit (15.0% 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. "·" marks a figure not available in our data.
10 years side by side
| Fiscal year | AXP | BFH |
|---|---|---|
| FY2025 | $72.2B | $3.8B |
| FY2024 | $65.9B | $3.8B |
| FY2023 | $60.5B | $4.3B |
| FY2022 | $52.9B | $3.8B |
| FY2021 | $42.4B | $3.3B |
| FY2020 | $36.1B | $3.3B |
| FY2019 | $43.6B | $4.0B |
| FY2018 | $40.3B | $5.7B |
| FY2017 | $36.9B | $5.5B |
| FY2016 | $35.4B | $7.1B |
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 |
14 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +$68,384,000,000 | AXP |
| FY2024 | +$62,111,000,000 | AXP |
| FY2023 | +$56,226,000,000 | AXP |
| FY2022 | +$49,036,000,000 | AXP |
| FY2021 | +$39,108,000,000 | AXP |
| FY2020 | +$32,789,000,000 | AXP |
| FY2019 | +$39,506,000,000 | AXP |
| FY2018 | +$34,671,400,000 | AXP |
| FY2017 | +$31,403,300,000 | AXP |
| FY2016 | +$28,299,900,000 | AXP |
| FY2015 | +$26,378,300,000 | AXP |
| FY2010 | +$25,027,579,000 | AXP |
| FY2009 | +$22,558,659,000 | AXP |
| FY2008 | +$26,339,746,000 | AXP |
AXP has reported the higher revenue in every one of these 14 fiscal years. The gap has widened since the earliest year compared.
14 of 18 comparable fiscal years — a year missing data on either side is not counted.
14 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +1.5 pp | AXP |
| FY2024 | +8.1 pp | AXP |
| FY2023 | −2.9 pp | BFH |
| FY2022 | +8.4 pp | AXP |
| FY2021 | −5.5 pp | BFH |
| FY2020 | +2.2 pp | AXP |
| FY2019 | +8.7 pp | AXP |
| FY2018 | +0.2 pp | AXP |
| FY2017 | −7.0 pp | BFH |
| FY2016 | +7.9 pp | AXP |
| FY2015 | +6.3 pp | AXP |
| FY2010 | +7.6 pp | AXP |
| FY2009 | +1.4 pp | AXP |
| FY2008 | −0.7 pp | BFH |
The higher net margin has changed hands between AXP and BFH over this period.
14 of 17 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
BFH's net margin has been more volatile than AXP's over the 14 comparable fiscal years — 5.3 percentage points of standard deviation against 3.4.
14 of 17 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in net margin changed hands between AXP and BFH over these 14 fiscal years — AXP led in 10 and BFH in 4.
14 of 17 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
BFH's return on equity has been more volatile than AXP's over the 18 comparable fiscal years — 71.3 percentage points of standard deviation against 6.5.
18 of 19 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in return on equity changed hands between AXP and BFH over these 18 fiscal years — AXP led in 5 and BFH in 13.
18 of 19 comparable fiscal years — a year missing data on either side is not counted.