Compare Stocks › AXP vs STX
American Express Company (AXP) vs Seagate Technology Holdings plc (STX)
AXP
American Express Company
$294.93
VS
STX
Seagate Technology Holdings plc
$434.60
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.
STX
- ★PEG ratio of 0.72 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
- ★Altman Z-Score of 4.80 indicates very low bankruptcy risk — the company is firmly in the safe zone.
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.
STX
- ⚠FCF yield of 1.1% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠Trailing P/E of 49.0x is 80% above the historical average of 27.3x — the stock trades at a premium to its own history.
- ⚠High leverage (10.47x debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
Key Valuation Metrics
Learn more →AXP
STX
Valuation
N/A
Free Cash Flow
$1.10B
N/A
FCF Yield
1.13%
19.19
Trailing P/E
49.00
14.64
Forward P/E
21.91
Quality & Moat
9.49%
ROIC
45.21%
31.97%
ROE
320.04%
63.47%
Gross Margin
38.78%
1.16
PEG Ratio
0.72
Balance Sheet Safety
1.91
Debt / Equity
10.47
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
1.32
1.29%
Dividend Yield
0.68%
AXP: 5Ties: 1STX: 3
AXPSTX
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.
STX
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
STX
N/A
Net losses over 3 years — test not applicable
Company had negative cumulative retained earnings
Σ Retained
$-492.0M
Δ Market Cap
+$47.53B
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
STX
5.5% Margin of Safety
Price is 5.5% below estimated fair value
Current Price: $434.60
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $459.97
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →AXP
Requires positive FCF to compute implied growth rate.
STX
What growth rate is the market pricing in at $435?
+24.6%
Market-Implied Owner Earnings Growth
Standard FCF implies +28.8%
The market implies +24.6% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +28.8%, 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.
STX
32/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though reinvestment efficiency shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
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.
STX
-1.47
Likely 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.
STX
Insiders 0.3%Institutions 89.8%Retail & Other 9.9%
No. of Institutional Holders1,736
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
STX
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
STX
11
Sells (3M)
56
Sells (12M)
Total value (12M): $146.19M
MORRIS JOHN CHRISTOPHER
Chief Technology Officer
$42,273
@ $377.44 · 2026-03-13
MOSLEY WILLIAM D
Chief Executive Officer
$7.70M
@ $384.76 · 2026-03-02
CONYERS YOLANDA LEE
Director
$295,192
@ $393.59 · 2026-03-02
MORRIS JOHN CHRISTOPHER
Chief Technology Officer
$98,400
@ $410.00 · 2026-02-24
CHONG KIAN FATT
Officer
$2.43M
@ $416.48 · 2026-02-23
MOSLEY WILLIAM D
Chief Executive Officer
$8.59M
@ $429.27 · 2026-02-02
GELDMACHER JAY L
Director
$414,423
@ $448.02 · 2026-01-30
TEH BAN-SENG
Officer
$8.93M
@ $442.29 · 2026-01-29
LEE JAMES CI
Officer
$234,776
@ $348.85 · 2026-01-26
TEH BAN-SENG
Officer
$422,626
@ $299.31 · 2026-01-12
MOSLEY WILLIAM D
Chief Executive Officer
$5.71M
@ $285.56 · 2026-01-02
MORRIS JOHN CHRISTOPHER
Chief Technology Officer
$32,984
@ $291.89 · 2025-12-15
TEH BAN-SENG
Officer
$594,759
@ $295.90 · 2025-12-11
CONYERS YOLANDA LEE
Director
$204,682
@ $272.91 · 2025-12-02
MOSLEY WILLIAM D
Chief Executive Officer
$5.42M
@ $271.03 · 2025-12-01
ROMANO GIANLUCA
Chief Financial Officer
$2.13M
@ $266.69 · 2025-11-13
ROMANO GIANLUCA
Chief Financial Officer
$15.40M
@ $285.16 · 2025-11-12
LEE JAMES CI
Officer
$201,419
@ $288.98 · 2025-11-11
TEH BAN-SENG
Officer
$408,040
@ $288.98 · 2025-11-11
ARUMUGAVELU SHANKAR
Director
$1.47M
@ $294.56 · 2025-11-10
TEH BAN-SENG
Officer
$1.62M
@ $270.00 · 2025-11-05
MOSLEY WILLIAM D
Chief Executive Officer
$5.26M
@ $262.82 · 2025-11-03
TILENIUS STEPHANIE SCHEAR
Director
$545,084
@ $266.41 · 2025-11-03
GELDMACHER JAY L
Director
$336,375
@ $269.10 · 2025-10-31
CHONG KIAN FATT
Officer
$1.93M
@ $272.14 · 2025-10-30
TEH BAN-SENG
Officer
$318,040
@ $225.56 · 2025-10-13
MOSLEY WILLIAM D
Chief Executive Officer
$5.00M
@ $249.90 · 2025-10-01
MORRIS JOHN CHRISTOPHER
Chief Technology Officer
$79,645
@ $211.26 · 2025-09-16
MORRIS JOHN CHRISTOPHER
Chief Technology Officer
$3.00M
@ $195.80 · 2025-09-12
TEH BAN-SENG
Officer
$721,396
@ $193.30 · 2025-09-11
TEH BAN-SENG
Officer
$1.30M
@ $191.53 · 2025-09-10
CONYERS YOLANDA LEE
Director
$126,599
@ $168.80 · 2025-09-02
MOSLEY WILLIAM D
Chief Executive Officer
$3.38M
@ $168.97 · 2025-09-02
TEH BAN-SENG
Officer
$261,376
@ $151.61 · 2025-08-11
GELDMACHER JAY L
Director
$376,250
@ $150.50 · 2025-08-06
LEE JAMES CI
Officer
$714,145
@ $154.41 · 2025-08-01
TEH BAN-SENG
Officer
$915,275
@ $155.00 · 2025-08-01
MOSLEY WILLIAM D
Chief Executive Officer
$3.07M
@ $153.75 · 2025-08-01
TEH BAN-SENG
Officer
$248,400
@ $144.00 · 2025-07-11
MOSLEY WILLIAM D
Chief Executive Officer
$2.89M
@ $144.66 · 2025-07-01
TEH BAN-SENG
Officer
$77,870
@ $130.00 · 2025-06-16
TEH BAN-SENG
Officer
$222,353
@ $129.05 · 2025-06-11
TEH BAN-SENG
Officer
$222,353
@ $129.05 · 2025-06-11
TEH BAN-SENG
Officer
$467,220
@ $130.00 · 2025-06-09
MOSLEY WILLIAM D
Chief Executive Officer
$7.08M
@ $130.19 · 2025-06-09
TILENIUS STEPHANIE SCHEAR
Director
$344,801
@ $128.04 · 2025-06-05
TEH BAN-SENG
Officer
$9.28M
@ $124.24 · 2025-06-04
MOSLEY WILLIAM D
Chief Executive Officer
$8.39M
@ $119.87 · 2025-06-03
CONYERS YOLANDA LEE
Director
$87,758
@ $117.01 · 2025-06-02
CANNON MICHAEL REYE
Director
$2.88M
@ $119.00 · 2025-06-02
ROMANO GIANLUCA
Chief Financial Officer
$6.09M
@ $117.45 · 2025-05-30
TEH BAN-SENG
Officer
$483,115
@ $115.00 · 2025-05-27
MOSLEY WILLIAM D
Chief Executive Officer
$7.66M
@ $109.47 · 2025-05-22
MOSLEY WILLIAM D
Chief Executive Officer
$7.66M
@ $109.47 · 2025-05-22
CHONG KIAN FATT
Officer
$713,148
@ $111.26 · 2025-05-22
MOSLEY WILLIAM D
Chief Executive Officer
$1.69M
@ $84.56 · 2025-04-01
MOSLEY WILLIAM D
Chief Executive Officer
$2.03M
@ $101.57 · 2025-03-03
CONYERS YOLANDA LEE
Director
$77,212
@ $102.95 · 2025-03-03
MOSLEY WILLIAM D
Chief Executive Officer
$1.88M
@ $94.13 · 2025-02-03
MOSLEY WILLIAM D
Chief Executive Officer
$1.73M
@ $86.65 · 2025-01-02
MORRIS JOHN CHRISTOPHER
Chief Technology Officer
$13,883
@ $98.46 · 2024-12-12
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.
STX
😐Neutral(59/100)
"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)
STX
⚪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 (59)