AXP vs FMCC
American Express Co. and Federal Home Loan Mortgage Corp., side by side — 9 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | AXP | FMCC |
|---|---|---|
| Revenue | $72.2B | $23.3B |
| Net income | $10.8B | $10.7B |
| Gross margin | · | · |
| Net margin | 15.0% | 46.1% |
| Return on equity | 34.0% | 16.5% |
| Diluted EPS | $15.38 | $0.02 |
| Dividend / share | $3.28 | · |
| Payout ratio | 21.0% | · |
| Free cash flow | $16.0B | · |
| Equity | $33.5B | $70.4B |
| Net debt / equity | 0.30× | 2.87× |
| Current ratio | · | · |
| Revenue CAGR 5y | 14.9% | 6.9% |
| Profit CAGR 5y | 28.1% | 7.9% |
AXP bills 3.1× the revenue of FMCC, and FMCC keeps more of each dollar of revenue as profit (46.1% against 15.0%).
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.
9 years side by side
| Fiscal year | AXP | FMCC |
|---|---|---|
| FY2025 | $72.2B | $23.3B |
| FY2024 | $65.9B | $23.9B |
| FY2023 | $60.5B | $21.2B |
| FY2022 | $52.9B | $21.3B |
| FY2021 | $42.4B | $22.0B |
| FY2020 | $36.1B | $16.7B |
| FY2019 | $43.6B | $14.1B |
| FY2018 | $40.3B | $15.6B |
| FY2017 | $36.9B | $21.1B |
Bottom line
| Fiscal year | AXP | FMCC |
|---|---|---|
| FY2025 | $10.8B | $10.7B |
| FY2024 | $10.1B | $11.9B |
| FY2023 | $8.4B | $10.5B |
| FY2022 | $7.5B | $9.3B |
| FY2021 | $8.1B | $12.1B |
| FY2020 | $3.1B | $7.3B |
| FY2019 | $6.8B | $7.2B |
| FY2018 | $6.9B | $9.2B |
| FY2017 | $2.7B | $5.6B |
9 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +$48,958,000,000 | AXP |
| FY2024 | +$42,037,000,000 | AXP |
| FY2023 | +$39,286,000,000 | AXP |
| FY2022 | +$31,598,000,000 | AXP |
| FY2021 | +$20,429,000,000 | AXP |
| FY2020 | +$19,428,000,000 | AXP |
| FY2019 | +$29,478,000,000 | AXP |
| FY2018 | +$24,768,000,000 | AXP |
| FY2017 | +$15,821,000,000 | AXP |
AXP has reported the higher revenue in every one of these 9 fiscal years. The gap has widened since the earliest year compared.
9 of 14 comparable fiscal years — a year missing data on either side is not counted.
8 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −31.1 pp | FMCC |
| FY2024 | −34.2 pp | FMCC |
| FY2023 | −35.8 pp | FMCC |
| FY2022 | −29.6 pp | FMCC |
| FY2021 | −36.1 pp | FMCC |
| FY2020 | −35.3 pp | FMCC |
| FY2019 | −35.7 pp | FMCC |
| FY2018 | −42.2 pp | FMCC |
FMCC has kept the higher net margin in every one of these 8 fiscal years.
8 of 14 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
FMCC's net margin has been more volatile than AXP's over the 8 comparable fiscal years — 5.1 percentage points of standard deviation against 2.8.
8 of 14 comparable fiscal years — a year missing data on either side is not counted.
Year by year
FMCC led in net margin in every one of the 8 comparable fiscal years — a structural lead, not a recent swing.
8 of 14 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
FMCC's return on equity has been more volatile than AXP's over the 9 comparable fiscal years — 54.8 percentage points of standard deviation against 6.3.
9 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 FMCC over these 9 fiscal years — AXP led in 4 and FMCC in 5.
9 of 19 comparable fiscal years — a year missing data on either side is not counted.