American Express vs Goldman Sachs
This page compares American Express and Goldman Sachs, examining their business models, financial performance, and market context. It presents neutral, accessible information to help readers understand the similarities and differences between the two institutions. Educational content, not financial advice.
This page compares American Express and Goldman Sachs, examining their business models, financial performance, and market context. It presents neutral, accessible information to help readers understan...
Why It's Moving
AXP Dips on Rate Cap Fears Ahead of Pivotal Earnings Test
- Shares retreated 7% in the first two weeks of January amid 'policy shock' from interest rate cap proposal, pricing in risks to lending profitability.
- Q4 earnings expected at $3.54 per share (up 16.45% YoY) and $18.86B revenue (up 9.79% YoY), but focus is on guidance for operating costs and policy response.
- Rising loan loss provisions and double-digit expense growth challenge 9% revenue momentum, prompting potential AI-driven efficiencies to protect affluent customer appeal.
Goldman Sachs ramps up capital markets with massive $15B debt issuance amid sector headwinds.
- Issued $15.1B in varied debt securities on Jan 21, highlighting strong demand for GS funding and flexibility in capital structure.
- GS shares dropped 1.4% last week as investors digest Trump's credit card rate cap proposal, threatening revenue from consumer lending.
- Declared preferred stock dividends payable in Feb/Mar, underscoring commitment to shareholders amid earnings season momentum.
AXP Dips on Rate Cap Fears Ahead of Pivotal Earnings Test
- Shares retreated 7% in the first two weeks of January amid 'policy shock' from interest rate cap proposal, pricing in risks to lending profitability.
- Q4 earnings expected at $3.54 per share (up 16.45% YoY) and $18.86B revenue (up 9.79% YoY), but focus is on guidance for operating costs and policy response.
- Rising loan loss provisions and double-digit expense growth challenge 9% revenue momentum, prompting potential AI-driven efficiencies to protect affluent customer appeal.
Goldman Sachs ramps up capital markets with massive $15B debt issuance amid sector headwinds.
- Issued $15.1B in varied debt securities on Jan 21, highlighting strong demand for GS funding and flexibility in capital structure.
- GS shares dropped 1.4% last week as investors digest Trump's credit card rate cap proposal, threatening revenue from consumer lending.
- Declared preferred stock dividends payable in Feb/Mar, underscoring commitment to shareholders amid earnings season momentum.
Investment Analysis
Pros
- American Express reported a strong Q3 2025 with revenue up 11% year-over-year and EPS rising 19%, driven by its premium card strategy and balanced segment growth.
- The company has raised its full-year 2025 guidance, reflecting confidence in sustained growth momentum across consumer, commercial, and international markets.
- Institutional investors hold over 84% of American Express shares, indicating strong institutional confidence and liquidity in the stock.
Considerations
- Analyst consensus leans towards a 'hold' rating, with a moderate downside forecast of approximately 7%, which suggests limited near-term share price upside.
- American Express’s premium card strategy and reliance on consumer spending could face risks from potential economic downturns or shifts in consumer credit behaviour.
- Despite recent price appreciation, the stock trades at a high market capitalization around $239 billion, which may limit further valuation expansion.
Pros
- Goldman Sachs has notably increased its stake in American Express, showing strong confidence in another financial service firm’s growth prospects.
- Goldman Sachs maintains competitive strength as a leading global investment bank with diversified revenue streams including trading, asset management, and advisory services.
- The firm benefits from increasing net interest margins amid rising interest rate environments, supporting profitability in recent quarters.
Considerations
- Goldman Sachs faces significant execution risks related to volatile global capital markets and regulatory complexities that can impact revenue stability.
- Its earnings are sensitive to macroeconomic cycles and market conditions, which may cause higher earnings volatility compared to consumer finance firms.
- The bank’s exposure to investment banking and trading activities makes it vulnerable to downturns in deal flow or market liquidity disruptions.
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American Express (AXP) Next Earnings Date
American Express is scheduled to report its next earnings on Friday, January 30, 2026, before market open. The report will cover the fourth quarter and full year 2025 results. Analysts are projecting an EPS of approximately $3.53-$3.54 for the quarter, with revenue estimates around $18.93 billion. This earnings announcement will provide investors with the company's year-end financial performance and updated guidance for 2026.
Goldman Sachs (GS) Next Earnings Date
Goldman Sachs' next earnings date, following the just-passed Q4 2025 report on January 15, 2026, is scheduled for Monday, April 13, 2026. This release will cover the first quarter of 2026 (Q1 2026) financial results, announced at approximately 7:30 a.m. ET with a conference call at 9:30 a.m. ET. Investors should monitor the firm's Investor Relations page for any updates to this schedule.
American Express (AXP) Next Earnings Date
American Express is scheduled to report its next earnings on Friday, January 30, 2026, before market open. The report will cover the fourth quarter and full year 2025 results. Analysts are projecting an EPS of approximately $3.53-$3.54 for the quarter, with revenue estimates around $18.93 billion. This earnings announcement will provide investors with the company's year-end financial performance and updated guidance for 2026.
Goldman Sachs (GS) Next Earnings Date
Goldman Sachs' next earnings date, following the just-passed Q4 2025 report on January 15, 2026, is scheduled for Monday, April 13, 2026. This release will cover the first quarter of 2026 (Q1 2026) financial results, announced at approximately 7:30 a.m. ET with a conference call at 9:30 a.m. ET. Investors should monitor the firm's Investor Relations page for any updates to this schedule.
Which Baskets Do They Appear In?
Second Chance Employers
Looking for investments with heart and smarts? These companies are changing lives through fair chance hiring practices, employing individuals rebuilding their lives after incarceration. Handpicked by our analysts, these forward-thinking businesses aren't just driving social change—they're building loyal workforces that boost their bottom line.
Published: June 17, 2025
Explore BasketWhich Baskets Do They Appear In?
Second Chance Employers
Looking for investments with heart and smarts? These companies are changing lives through fair chance hiring practices, employing individuals rebuilding their lives after incarceration. Handpicked by our analysts, these forward-thinking businesses aren't just driving social change—they're building loyal workforces that boost their bottom line.
Published: June 17, 2025
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