American Express vs RBC

American Express vs RBC: this page compares two major financial services groups, outlining their business models, financial performance, and market context. It explains product strategies, governance considerations, and regional reach to help readers understand how each organisation operates within the payments and banking landscape. Educational content, not financial advice.

American Express vs RBC: this page compares two major financial services groups, outlining their business models, financial performance, and market context. It explains product strategies, governance ...

About The Companies

American Express (AXP)

American Express Co. (AXP) is a global payments company known for its charge and credit cards, merchant services and travel-related offerings. With a market cap around $244.69 billion, Amex combines a card-issuing model with its own transaction network, earning revenues from cardholder fees, merchant discount rates and lending interest. Investors often watch its affluent customer base, brand strength and cross-border travel exposure, which can drive both volumes and fees. Key considerations include sensitivity to consumer spending, credit losses in economic downturns, regulatory scrutiny of merchant fees, and competition from other card networks and fintechs. The company’s history of dividend payments and buybacks may appeal to income-oriented investors, but past performance is not a guarantee of future returns. This is general educational information, not personalised financial advice — suitability depends on an individual’s risk tolerance, time horizon and financial situation.

RBC (RY)

Royal Bank of Canada (RY) is Canada’s largest bank by market capitalisation, operating across personal and commercial banking, wealth management, insurance and capital markets. Its broad domestic retail franchise—backed by a large deposit base and lending book—provides steady fee and interest income, while international wholesale and wealth operations offer diversification. Market cap is approximately $205.64B. Investors often watch RBC for its long dividend history and generally conservative capital ratios, though earnings are sensitive to Canadian housing, consumer credit conditions and global market activity. Key drivers include interest-rate moves, economic growth in Canada and trading volumes in capital markets. Risks include loan-losses in downturns, regulatory changes, and currency exposure from foreign operations. This summary is general educational information only, not personal investment advice; past performance is not a reliable indicator of future results. Consider your financial situation and, if needed, consult a qualified financial adviser before acting.

Comparison Snapshot

Key Financial Metrics

AXP

Metric

RY

$265.13B

Market Cap

$233.88B

-13.41%

Potential Profit

-15.28%

Hold

Analyst Rating

Strong Buy

Why It's Moving

American Express shares dip slightly despite solid Q3 earnings and raised guidance.

Q3 revenue reached $18.43 billion, surpassing estimates and reflecting robust premium spend growth.
Net income rose marginally to $2.88 billion compared to the prior quarter, signaling stable profitability.
The company raised its guidance, citing sustainable expansion prospects fueled by high-income consumer spending and successful product enhancements.

Sentiment:

⚖️Neutral

Royal Bank of Canada Posts Strong FY 2025 Earnings Boosted by Diverse Revenue Streams

Total revenue surged by C$9.26 billion (16% YoY), fueled by increased net interest income, investment management fees, trading revenue, and underwriting services.
Net income rose to C$20.4 billion with a diluted EPS of $14.07, marking a 25% increase, demonstrating broad-based growth across all segments.
Capital ratios strengthened with a CET1 ratio of 13.5%, up 30 basis points, while provisions for credit losses increased 20%, reflecting higher risk in Commercial Banking, Capital Markets, and Personal Banking.

Sentiment:

🐃Bullish

American Express shares dip slightly despite solid Q3 earnings and raised guidance.

Q3 revenue reached $18.43 billion, surpassing estimates and reflecting robust premium spend growth.
Net income rose marginally to $2.88 billion compared to the prior quarter, signaling stable profitability.
The company raised its guidance, citing sustainable expansion prospects fueled by high-income consumer spending and successful product enhancements.

Sentiment:

⚖️Neutral

Royal Bank of Canada Posts Strong FY 2025 Earnings Boosted by Diverse Revenue Streams

Total revenue surged by C$9.26 billion (16% YoY), fueled by increased net interest income, investment management fees, trading revenue, and underwriting services.
Net income rose to C$20.4 billion with a diluted EPS of $14.07, marking a 25% increase, demonstrating broad-based growth across all segments.
Capital ratios strengthened with a CET1 ratio of 13.5%, up 30 basis points, while provisions for credit losses increased 20%, reflecting higher risk in Commercial Banking, Capital Markets, and Personal Banking.

Sentiment:

🐃Bullish

Which Baskets Do They Appear In?

Defensive Banking Amid Inflation Concerns

A sharp drop in U.S. consumer sentiment, fueled by rising inflation and trade policy concerns, signals a potential slowdown in consumer spending. This creates an investment opportunity in defensive sectors like banking, which may prove more resilient than consumer-focused industries during periods of economic uncertainty.

Published: August 16, 2025

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The Apple Card Shake-Up: A New Financial Partnership

JPMorgan Chase is reportedly taking over as the issuer for the Apple Card, replacing Goldman Sachs in a major financial partnership shift. This development could create opportunities for other payment processors and financial institutions involved in the co-branded credit card market.

Published: July 30, 2025

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The Apple Card Shake-Up: A New Financial Alliance

JPMorgan Chase is poised to become the new issuer for the Apple Card, taking over from Goldman Sachs in a landmark deal. This shift in financial partnerships creates potential ripple effects for payment networks and the broader fintech infrastructure supporting them.

Published: July 30, 2025

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Which Baskets Do They Appear In?

Defensive Banking Amid Inflation Concerns

A sharp drop in U.S. consumer sentiment, fueled by rising inflation and trade policy concerns, signals a potential slowdown in consumer spending. This creates an investment opportunity in defensive sectors like banking, which may prove more resilient than consumer-focused industries during periods of economic uncertainty.

Published: August 16, 2025

Explore Basket

The Apple Card Shake-Up: A New Financial Partnership

JPMorgan Chase is reportedly taking over as the issuer for the Apple Card, replacing Goldman Sachs in a major financial partnership shift. This development could create opportunities for other payment processors and financial institutions involved in the co-branded credit card market.

Published: July 30, 2025

Explore Basket

The Apple Card Shake-Up: A New Financial Alliance

JPMorgan Chase is poised to become the new issuer for the Apple Card, taking over from Goldman Sachs in a landmark deal. This shift in financial partnerships creates potential ripple effects for payment networks and the broader fintech infrastructure supporting them.

Published: July 30, 2025

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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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Bye-Bye Buffet: The 5,500,000% Investor

Follow in the footsteps of Warren Buffett, one of history's greatest investors, with this carefully selected portfolio of his favorite companies. As Buffett prepares to step down as Berkshire's CEO, now's your chance to invest like the Oracle of Omaha.

Published: May 18, 2025

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Investment Analysis