Compare Stocks › AXP vs EFX
American Express Company (AXP) vs Equifax Inc. (EFX)
AXP
American Express Company
$319.68
VS
EFX
Equifax Inc.
$173.85
Rewards
AXP
- ★Gross margin of 62.8% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★American Express Company scores 100/100 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.
EFX
- ★Free cash flow has grown at a 104.5% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Trailing P/E of 30.6x is 33% below the historical average of 45.6x — potentially undervalued relative to its own history.
- ★PEG ratio of 0.90 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
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.
EFX
- ⚠Insiders have sold $17.0M worth of stock in the past 3 months — significant insider liquidation.
Key Valuation Metrics
Learn more →AXP
EFX
Valuation
N/A
Free Cash Flow
$1.02B
N/A
FCF Yield
4.89%
19.96
Trailing P/E
30.61
15.90
Forward P/E
16.88
Quality & Moat
12.37%
ROIC
8.67%
31.48%
ROE
14.10%
62.76%
Gross Margin
56.12%
1.13
PEG Ratio
0.90
Balance Sheet Safety
1.78
Debt / Equity
1.13
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
2.66
1.19%
Dividend Yield
1.18%
AXP: 5Ties: 2EFX: 2
AXPEFX
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.
EFX
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
EFX
$1.94
created per $1 retained over 3 years
Value Creator
Σ Retained
$1.19B
Δ Market Cap
+$2.32B
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
34.4% Margin of Safety
Price is 34.4% below estimated fair value
Current Price: $319.68
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $487.58
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
EFX
7.6% Margin of Safety
Price is 7.6% below estimated fair value
Current Price: $173.85
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $188.08
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →AXP
Requires positive FCF to compute implied growth rate.
EFX
What growth rate is the market pricing in at $174?
+17.0%
Market-Implied Owner Earnings Growth
Standard FCF implies +11.0%
The market implies +17.0% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +11.0%, reflecting heavy growth investment.
Economic Moat Score
Learn more →AXP
100/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat driven primarily by revenue predictability. Margin Stability is the area most vulnerable to competitive pressure.
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.
EFX
62/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability as the key competitive advantage. Improving roic consistency 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.
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.
EFX
-2.83
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 22.3%Institutions 65.6%Retail & Other 12.1%
No. of Institutional Holders3,664
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.
EFX
Insiders 0.6%Institutions 100.1%
No. of Institutional Holders1,233
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)
0
Buys (12M)
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
EFX
1
Buys (3M)
1
Buys (12M)
Total value (12M): $464,928
MAO CECILIA H.
Officer
$464,928
@ $193.72 · 2026-02-18
FICHUK KAREN LINN
Director
$99,090
@ $238.77 · 2024-05-09
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)
19
Sells (12M)
Total value (12M): $151.85M
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
PICKETT DENISE
Officer
$8.35M
@ $356.91 · 2026-02-05
MARRS ANNA
Officer
$9.60M
@ $350.01 · 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
MARRS ANNA
Officer
$1.71M
@ $310.77 · 2025-07-29
MCNEAL GLENDA G
Officer
$15.47M
@ $309.50 · 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
PICKETT DENISE
Officer
$7.25M
@ $318.69 · 2025-02-05
JOABAR RAYMOND D
Officer
$3.53M
@ $317.01 · 2025-02-05
RADHAKRISHNAN RAVIKUMAR S
Chief Technology Officer
$3.03M
@ $319.17 · 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
HERENA MONIQUE
Officer
$374,010
@ $287.70 · 2024-11-07
SQUERI STEPHEN J
Chief Executive Officer
$48.90M
@ $286.57 · 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
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
EFX
5
Sells (3M)
10
Sells (12M)
Total value (12M): $31.58M
BEGOR MARK W.
Chief Executive Officer
$6.52M
@ $172.40 · 2026-04-24
GAMBLE JOHN W JR
Chief Operating Officer
$880,740
@ $195.72 · 2026-02-23
BORTON CHAD M
Officer
$485,452
@ $191.50 · 2026-02-12
FARSHCHI JAMIL
Chief Technology Officer
$1.45M
@ $196.45 · 2026-02-11
BEGOR MARK W.
Chief Executive Officer
$7.63M
@ $201.89 · 2026-02-10
GAMBLE JOHN W JR
Chief Operating Officer
$520,925
@ $208.37 · 2025-11-20
FARSHCHI JAMIL
Chief Technology Officer
$1.18M
@ $238.94 · 2025-10-27
GAMBLE JOHN W JR
Chief Operating Officer
$742,050
@ $247.35 · 2025-08-18
BEGOR MARK W.
Chief Executive Officer
$11.67M
@ $241.71 · 2025-07-28
GAMBLE JOHN W JR
Chief Operating Officer
$518,200
@ $259.10 · 2025-05-06
BEGOR MARK W.
Chief Executive Officer
$5.69M
@ $256.61 · 2025-04-28
GAMBLE JOHN W JR
Chief Operating Officer
$848,085
@ $242.31 · 2025-02-28
BEGOR MARK W.
Chief Executive Officer
$5.60M
@ $252.63 · 2025-02-13
FARSHCHI JAMIL
Chief Technology Officer
$4.69M
@ $248.18 · 2025-02-12
NELSON LISA M
Officer
$136,995
@ $248.18 · 2025-02-12
FARSHCHI JAMIL
Chief Technology Officer
$3.83M
@ $260.39 · 2024-11-26
NELSON LISA M
Officer
$143,475
@ $260.39 · 2024-11-26
BEGOR MARK W.
Chief Executive Officer
$15.77M
@ $270.49 · 2024-10-25
KELLEY JOHN J III
Officer
$272,920
@ $272.92 · 2024-10-25
KELLEY JOHN J III
Officer
$914,977
@ $304.99 · 2024-08-28
CHANEY CARLA
Officer
$845,544
@ $281.85 · 2024-08-07
CHANEY CARLA
Officer
$838,440
@ $279.48 · 2024-08-01
GAMBLE JOHN W JR
Chief Operating Officer
$373,260
@ $276.49 · 2024-07-30
BEGOR MARK W.
Chief Executive Officer
$15.71M
@ $269.47 · 2024-07-26
CHANEY CARLA
Officer
$937,874
@ $228.53 · 2024-05-31
GRIGGS JAMES M.
Officer
$91,483
@ $228.71 · 2024-05-31
HOUSTON JULIA A
Officer
$1.10M
@ $228.63 · 2024-05-31
GAMBLE JOHN W JR
Chief Operating Officer
$836,732
@ $229.24 · 2024-05-30
CHANEY CARLA
Officer
$1.24M
@ $238.63 · 2024-05-24
GRIGGS JAMES M.
Officer
$575,015
@ $238.60 · 2024-05-24
HOUSTON JULIA A
Officer
$1.02M
@ $238.63 · 2024-05-24
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(49/100)
"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.
EFX
😨Fear(29/100)
"Market is pessimistic — investigate whether fears are temporary or structural"
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 (49)
EFX
⚪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: Fear (29)