Compare Stocks › AXP vs DRI
American Express Company (AXP) vs Darden Restaurants, Inc. (DRI)
AXP
American Express Company
$294.93
VS
DRI
Darden Restaurants, Inc.
$204.42
Rewards
AXP
- ★Gross margin of 63.5% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
- ★Each dollar of retained earnings has created $6.18 of market value — management is an exceptional capital allocator.
DRI
- ★Darden Restaurants, Inc. has maintained ROIC above 10% for 4 consecutive years, suggesting solid business economics.
- ★Darden Restaurants, Inc. scores 91/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
- ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
Risks
AXP
- ⚠Altman Z-Score of 0.93 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠7 insider sales totaling $36.4M with no purchases in the past 3 months — insiders are reducing their exposure.
- ⚠Free cash flow has declined at a 5.9% CAGR over the past 4 years — a concerning trend.
DRI
- ⚠Gross margin of 21.6% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠High leverage (4.01x debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
- ⚠Net debt/EBITDA of 4.1x indicates heavy leverage — it would take over 4 years of EBITDA to pay off net debt.
Key Valuation Metrics
Learn more →AXP
DRI
Valuation
N/A
Free Cash Flow
$1.03B
N/A
FCF Yield
4.32%
19.19
Trailing P/E
21.41
14.64
Forward P/E
17.95
Quality & Moat
9.49%
ROIC
9.90%
31.97%
ROE
50.45%
63.47%
Gross Margin
21.55%
1.16
PEG Ratio
1.81
Balance Sheet Safety
1.91
Debt / Equity
4.01
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
4.09
1.29%
Dividend Yield
2.94%
AXP: 5Ties: 2DRI: 2
AXPDRI
Historical Fundamentals
Learn more →AXP
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
DRI
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →AXP
$6.18
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$23.29B
Δ Market Cap
+$144.01B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
DRI
$3.71
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$1.18B
Δ Market Cap
+$4.39B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →AXP
38.6% Margin of Safety
Price is 38.6% below estimated fair value
Current Price: $294.93
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $480.21
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
DRI
65.5% Overvalued
Price is 65.5% above estimated fair value
Current Price: $204.42
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $123.52
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →AXP
Requires positive FCF to compute implied growth rate.
DRI
What growth rate is the market pricing in at $204?
+13.4%
Market-Implied Owner Earnings Growth
Standard FCF implies +13.7%
The market implies +13.4% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +13.7%, reflecting heavy growth investment.
Economic Moat Score
Learn more →AXP
40/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability as the key competitive advantage. Improving margin stability would strengthen the moat.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
DRI
91/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. Revenue Predictability is the standout factor.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
Forensic Accounting
Learn more →AXP
-2.51
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
DRI
-2.72
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →AXP
Insiders 22.2%Institutions 64.8%Retail & Other 12.9%
No. of Institutional Holders3,749
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
DRI
Insiders 0.3%Institutions 100.0%
No. of Institutional Holders1,363
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →AXP
0
Buys (3M)
1
Buys (12M)
Total value (12M): $4,054
JOABAR RAYMOND D
Officer
$4,054
@ $176.26 · 2025-04-09
ANGELAKIS MICHAEL J
Director
$998,593
@ $269.89 · 2025-03-07
Open market purchases · includes direct & indirect ownership · excludes option exercises
DRI
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →AXP
7
Sells (3M)
20
Sells (12M)
Total value (12M): $152.65M
LIEBERMAN QUINN JESSICA
Officer
$909,661
@ $300.02 · 2026-03-06
JOABAR RAYMOND D
Officer
$4.77M
@ $340.67 · 2026-02-19
GROSFIELD HOWARD M
Officer
$2.82M
@ $346.73 · 2026-02-12
RADHAKRISHNAN RAVIKUMAR S
Chief Technology Officer
$5.35M
@ $356.58 · 2026-02-09
SEEGER LAUREEN E
Officer
$4.60M
@ $360.99 · 2026-02-09
MARRS ANNA
Officer
$9.60M
@ $350.01 · 2026-02-05
PICKETT DENISE
Officer
$8.35M
@ $356.91 · 2026-02-05
JOABAR RAYMOND D
Officer
$538,902
@ $384.93 · 2025-12-12
RUTLEDGE ELIZABETH
Officer
$18.01M
@ $360.21 · 2025-10-31
TABISH DOUGLAS J
Officer
$894,359
@ $355.61 · 2025-10-23
PICKETT DENISE
Officer
$1.75M
@ $350.73 · 2025-10-22
SQUERI STEPHEN J
Chief Executive Officer
$37.03M
@ $329.86 · 2025-09-04
HERENA MONIQUE
Officer
$2.83M
@ $325.88 · 2025-09-03
BUCKMINSTER DOUGLAS E
Officer
$7.67M
@ $326.37 · 2025-09-02
SEEGER LAUREEN E
Officer
$23.37M
@ $296.90 · 2025-08-06
MCNEAL GLENDA G
Officer
$15.47M
@ $309.50 · 2025-07-29
MARRS ANNA
Officer
$1.71M
@ $310.77 · 2025-07-29
MARQUEZ RAFAEL
Officer
$3.56M
@ $296.93 · 2025-05-20
GROSFIELD HOWARD M
Officer
$2.60M
@ $275.50 · 2025-05-06
MCNEAL GLENDA G
Officer
$799,009
@ $264.66 · 2025-04-29
MARRS ANNA
President
$6.32M
@ $287.88 · 2025-03-04
LIEBERMAN QUINN JESSICA
Officer
$897,590
@ $296.43 · 2025-02-26
MCNEAL GLENDA G
Officer
$2.29M
@ $309.96 · 2025-02-11
SQUERI STEPHEN J
Chief Executive Officer
$16.24M
@ $319.45 · 2025-02-06
JOABAR RAYMOND D
Officer
$3.53M
@ $317.01 · 2025-02-05
RADHAKRISHNAN RAVIKUMAR S
Chief Technology Officer
$3.03M
@ $319.17 · 2025-02-05
PICKETT DENISE
Officer
$7.25M
@ $318.69 · 2025-02-05
JOABAR RAYMOND D
Officer
$4.77M
@ $313.94 · 2025-01-28
LE CAILLEC CHRISTOPHE
Chief Financial Officer
$1.82M
@ $303.48 · 2024-11-27
SQUERI STEPHEN J
Chief Executive Officer
$48.90M
@ $286.57 · 2024-11-07
HERENA MONIQUE
Officer
$374,010
@ $287.70 · 2024-11-07
BUCKMINSTER DOUGLAS E
Officer
$3.55M
@ $270.98 · 2024-10-29
WILLIAMS ANRE D.
Officer
$21.05M
@ $270.26 · 2024-10-22
PICKETT DENISE
Officer
$666,213
@ $240.68 · 2024-05-22
SKYLER JENNIFER
Officer
$3.58M
@ $241.73 · 2024-05-10
LIEBERMAN QUINN JESSICA
Officer
$729,770
@ $232.41 · 2024-05-06
MARRS ANNA
Officer
$829,501
@ $230.93 · 2024-05-03
BUCKMINSTER DOUGLAS E
Officer
$27.27M
@ $232.44 · 2024-05-02
SQUERI STEPHEN J
Chief Executive Officer
$9.28M
@ $238.63 · 2024-04-23
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
DRI
7
Sells (3M)
22
Sells (12M)
Total value (12M): $32.36M
SONSTEBY CHARLES M
Director
$641,210
@ $205.32 · 2026-01-23
KING SARAH H
Officer
$951,636
@ $206.65 · 2026-01-22
WILKERSON JOHN
Officer
$480,954
@ $213.00 · 2026-01-16
VENNAM RAJESH
Chief Financial Officer
$1.45M
@ $214.12 · 2026-01-15
CONNELLY SUSAN M.
Officer
$546,394
@ $207.36 · 2026-01-14
BURROWES TODD
Officer
$1.47M
@ $207.12 · 2026-01-13
MARTIN MELVIN JOHN
Officer
$236,964
@ $197.47 · 2026-01-06
MARTIN MELVIN JOHN
Officer
$313,786
@ $184.58 · 2025-10-14
BROAD MATTHEW R
General Counsel
$1.09M
@ $193.40 · 2025-10-06
ATKINS MARGARET SHAN
Director
$223,411
@ $220.33 · 2025-07-01
BROAD MATTHEW R
General Counsel
$1.68M
@ $218.05 · 2025-07-01
BURROWES TODD
Officer
$2.94M
@ $216.45 · 2025-06-30
MARTIN MELVIN JOHN
Officer
$2.67M
@ $218.71 · 2025-06-25
MILANES DOUGLAS J
Officer
$2.65M
@ $222.08 · 2025-06-24
CONNELLY SUSAN M.
Officer
$1.06M
@ $223.78 · 2025-06-24
VENNAM RAJESH
Chief Financial Officer
$1.28M
@ $222.22 · 2025-06-24
SONSTEBY CHARLES M
Director
$1.64M
@ $204.56 · 2025-03-28
KING SARAH H
Officer
$1.80M
@ $207.27 · 2025-03-25
KIERNAN DANIEL J
Officer
$3.52M
@ $206.51 · 2025-03-25
MARTIN MELVIN JOHN
Officer
$1.06M
@ $208.69 · 2025-03-25
MADONNA JOHN W.
Officer
$375,434
@ $207.88 · 2025-03-24
CARDENAS RICARDO
Chief Executive Officer
$4.27M
@ $208.19 · 2025-03-24
MILANES DOUGLAS J
Officer
$1.55M
@ $195.95 · 2025-01-30
BROAD MATTHEW R
General Counsel
$2.39M
@ $187.37 · 2025-01-21
ATKINS MARGARET SHAN
Director
$199,217
@ $181.11 · 2025-01-15
BURROWES TODD
Officer
$2.89M
@ $183.03 · 2025-01-14
CONNELLY SUSAN M.
Officer
$1.71M
@ $184.68 · 2025-01-06
MARTIN MELVIN JOHN
Officer
$1.78M
@ $188.07 · 2024-12-26
VENNAM RAJESH
Chief Financial Officer
$1.31M
@ $181.71 · 2024-12-23
MARTIN MELVIN JOHN
Officer
$489,895
@ $163.30 · 2024-10-04
CONNELLY SUSAN M.
Officer
$542,576
@ $163.43 · 2024-10-01
MARTIN MELVIN JOHN
Officer
$334,453
@ $167.23 · 2024-09-27
MADONNA JOHN W.
Officer
$818,960
@ $172.96 · 2024-09-24
WILLIAMSON LAURA B
Officer
$1.11M
@ $173.07 · 2024-09-24
MENSAH NANA
Director
$201,292
@ $171.90 · 2024-09-23
BROAD MATTHEW R
General Counsel
$749,824
@ $171.98 · 2024-09-23
MILANES DOUGLAS J
Officer
$981,496
@ $172.04 · 2024-09-23
KIERNAN DANIEL J
Officer
$3.55M
@ $171.90 · 2024-09-23
CARDENAS RICARDO
Chief Executive Officer
$7.28M
@ $171.68 · 2024-09-23
KING SARAH H
Officer
$2.34M
@ $147.06 · 2024-07-30
BROAD MATTHEW R
General Counsel
$757,428
@ $146.48 · 2024-07-29
MARTIN MELVIN JOHN
Officer
$352,727
@ $141.09 · 2024-07-25
BROAD MATTHEW R
General Counsel
$735,011
@ $156.15 · 2024-04-25
SIMON WILLIAM S. JR.
Director
$192,858
@ $158.21 · 2024-04-08
MARTIN MELVIN JOHN
Officer
$1.79M
@ $166.12 · 2024-03-28
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →AXP
😐Neutral(42/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
DRI
😐Neutral(50/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →AXP
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (42)
DRI
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (50)