Compare Stocks › AXP vs MRNA
American Express Company (AXP) vs Moderna, Inc. (MRNA)
AXP
American Express Company
$294.93
VS
MRNA
Moderna, Inc.
$52.37
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.
MRNA
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.
MRNA
- ⚠ROIC has declined by 61.0 percentage points over the observed period, which may signal competitive erosion.
- ⚠Gross margin of -105.8% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠Moderna, Inc. scores only 17/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
Key Valuation Metrics
Learn more →AXP
MRNA
Valuation
N/A
Free Cash Flow
$-1.33B
N/A
FCF Yield
-6.41%
19.19
Trailing P/E
N/A
14.64
Forward P/E
-11.51
Quality & Moat
9.49%
ROIC
-19.50%
31.97%
ROE
-32.62%
63.47%
Gross Margin
-105.76%
1.16
PEG Ratio
N/A
Balance Sheet Safety
1.91
Debt / Equity
0.15
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
N/A
1.29%
Dividend Yield
N/A
AXP: 3Ties: 1MRNA: 2
AXPMRNA
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.
MRNA
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
MRNA
N/A
Net losses over 3 years — test not applicable
Company had negative cumulative retained earnings
Σ Retained
$-11.10B
Δ Market Cap
$-57.53B
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
MRNA
Insufficient Data
Enter initial FCF to calculate intrinsic value
Current Price: $52.37
Strongly undervalued
Strongly overvalued
Fair Value: $0.00
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →AXP
Requires positive FCF to compute implied growth rate.
MRNA
Requires positive FCF to compute implied growth rate.
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.
MRNA
17/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable competitive advantage detected. The business shows limited evidence of pricing power, consistent returns, or capital efficiency.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 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.
MRNA
-3.72
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.
MRNA
Insiders 7.3%Institutions 77.1%Retail & Other 15.5%
No. of Institutional Holders978
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
MRNA
0
Buys (3M)
0
Buys (12M)
SAGAN PAUL L
Director
$1.00M
@ $31.76 · 2025-03-03
BANCEL STEPHANE J
Chief Executive Officer
$5.00M
@ $31.22 · 2025-03-03
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
MRNA
2
Sells (3M)
4
Sells (12M)
Total value (12M): $8.56M
KLINGER SHANNON THYME
Officer
$726,047
@ $52.29 · 2026-03-02
HOGE STEPHEN
President
$7.81M
@ $48.84 · 2026-02-23
HUSSAIN SHAH ABBAS
Director
$13,910
@ $27.60 · 2025-12-09
HUSSAIN SHAH ABBAS
Director
$8,736
@ $28.00 · 2025-06-11
KLINGER SHANNON THYME
Officer
$23,637
@ $44.68 · 2024-12-09
HOGE STEPHEN
President
$13,595
@ $43.30 · 2024-12-03
KLINGER SHANNON THYME
Officer
$4,849
@ $43.29 · 2024-12-03
HOGE STEPHEN
President
$12,452
@ $42.79 · 2024-11-29
MOCK JAMES M
Chief Financial Officer
$60,761
@ $42.79 · 2024-11-29
KLINGER SHANNON THYME
Officer
$60,675
@ $42.79 · 2024-11-29
HOGE STEPHEN
President
$12,771
@ $46.10 · 2024-11-11
MOCK JAMES M
Chief Financial Officer
$42,986
@ $60.12 · 2024-10-07
KLINGER SHANNON THYME
Officer
$40,539
@ $73.57 · 2024-09-09
HOGE STEPHEN
President
$24,483
@ $76.99 · 2024-09-03
KLINGER SHANNON THYME
Officer
$8,777
@ $76.99 · 2024-09-03
HOGE STEPHEN
President
$23,408
@ $78.03 · 2024-08-29
MOCK JAMES M
Chief Financial Officer
$12,640
@ $78.02 · 2024-08-29
KLINGER SHANNON THYME
Officer
$12,640
@ $78.02 · 2024-08-29
MOCK JAMES M
Chief Financial Officer
$104,881
@ $79.40 · 2024-08-28
KLINGER SHANNON THYME
Officer
$104,722
@ $79.39 · 2024-08-28
HOGE STEPHEN
President
$21,363
@ $84.11 · 2024-08-12
AFEYAN NOUBAR BOGHOS
Director
$1.80M
@ $119.96 · 2024-07-31
AFEYAN NOUBAR BOGHOS
Director
$1.77M
@ $117.80 · 2024-07-24
AFEYAN NOUBAR BOGHOS
Director
$1.84M
@ $122.84 · 2024-07-17
HOGE STEPHEN
President
$1.82M
@ $121.12 · 2024-07-15
AFEYAN NOUBAR BOGHOS
Director
$1.76M
@ $117.08 · 2024-07-10
MOCK JAMES M
Chief Financial Officer
$81,465
@ $118.24 · 2024-07-08
AFEYAN NOUBAR BOGHOS
Director
$1.91M
@ $127.22 · 2024-06-26
AFEYAN NOUBAR BOGHOS
Director
$2.00M
@ $133.57 · 2024-06-18
HOGE STEPHEN
President
$2.07M
@ $138.16 · 2024-06-17
AFEYAN NOUBAR BOGHOS
Director
$2.21M
@ $147.20 · 2024-06-12
KLINGER SHANNON THYME
Officer
$766,785
@ $148.09 · 2024-06-10
AFEYAN NOUBAR BOGHOS
Director
$2.27M
@ $151.25 · 2024-06-05
HOGE STEPHEN
President
$47,704
@ $140.72 · 2024-06-03
MOCK JAMES M
Chief Financial Officer
$97,237
@ $140.72 · 2024-06-03
KLINGER SHANNON THYME
Officer
$17,168
@ $140.72 · 2024-06-03
AFEYAN NOUBAR BOGHOS
Director
$2.90M
@ $145.08 · 2024-05-29
HOGE STEPHEN
President
$49,276
@ $144.50 · 2024-05-29
MOCK JAMES M
Chief Financial Officer
$26,444
@ $144.50 · 2024-05-29
KLINGER SHANNON THYME
Officer
$26,444
@ $144.50 · 2024-05-29
MOCK JAMES M
Chief Financial Officer
$105,283
@ $162.47 · 2024-05-28
KLINGER SHANNON THYME
Officer
$210,566
@ $162.47 · 2024-05-28
AFEYAN NOUBAR BOGHOS
Director
$2.36M
@ $157.57 · 2024-05-22
AFEYAN NOUBAR BOGHOS
Director
$1.91M
@ $127.32 · 2024-05-15
HOGE STEPHEN
President
$1.91M
@ $127.49 · 2024-05-15
HOGE STEPHEN
President
$30,844
@ $120.96 · 2024-05-10
AFEYAN NOUBAR BOGHOS
Director
$1.83M
@ $121.68 · 2024-05-08
AFEYAN NOUBAR BOGHOS
Director
$1.66M
@ $110.92 · 2024-05-01
AFEYAN NOUBAR BOGHOS
Director
$1.62M
@ $108.32 · 2024-04-24
AFEYAN NOUBAR BOGHOS
Director
$1.55M
@ $103.38 · 2024-04-17
HOGE STEPHEN
President
$1.58M
@ $105.02 · 2024-04-15
AFEYAN NOUBAR BOGHOS
Director
$1.61M
@ $107.12 · 2024-04-10
MOCK JAMES M
Chief Financial Officer
$71,859
@ $101.93 · 2024-04-08
AFEYAN NOUBAR BOGHOS
Director
$1.53M
@ $101.68 · 2024-04-03
AFEYAN NOUBAR BOGHOS
Director
$1.64M
@ $109.06 · 2024-03-27
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.
MRNA
😐Neutral(47/100)
"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)
MRNA
⚪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 (47)