American Express vs Mastercard
This page provides an in-depth comparison of American Express Co. and MasterCard Inc. We explore their distinct business models, analyse their financial performance, and examine their respective positions within the broader market context. Understanding these factors is crucial for evaluating their investment potential. Educational content, not financial advice.
This page provides an in-depth comparison of American Express Co. and MasterCard Inc. We explore their distinct business models, analyse their financial performance, and examine their respective posit...
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.
Mastercard Dips on Trump Credit Card Cap Threat Ahead of High-Stakes Earnings
- Trump's one-year 10% interest rate cap plan sparked a sharp selloff, pressuring Mastercard more than the S&P 500 as it threatens lucrative fee structures.
- Q4 earnings due January 29 forecast EPS of $4.21 (up 10%) and revenue of $8.77B (up 17%), fueling optimism for resilient consumer spending.
- Wall Street consensus holds 'Strong Buy' with average targets implying over 20% upside, shrugging off short-term noise for long-term digital payments boom.
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.
Mastercard Dips on Trump Credit Card Cap Threat Ahead of High-Stakes Earnings
- Trump's one-year 10% interest rate cap plan sparked a sharp selloff, pressuring Mastercard more than the S&P 500 as it threatens lucrative fee structures.
- Q4 earnings due January 29 forecast EPS of $4.21 (up 10%) and revenue of $8.77B (up 17%), fueling optimism for resilient consumer spending.
- Wall Street consensus holds 'Strong Buy' with average targets implying over 20% upside, shrugging off short-term noise for long-term digital payments boom.
Investment Analysis
Pros
- American Express exhibits stronger year-to-date share price performance amid market gains.
- Analyst consensus highlights robust 2025 EPS growth of 14.6% year-over-year.
- Lower forward P/E ratio of 20.56X suggests relatively attractive valuation versus peers.
Considerations
- Higher beta of 1.29 exposes shares to greater market volatility than Mastercard.
- Consumer credit exposure heightens sensitivity to economic downturns and spending cycles.
- Current share price exceeds average analyst target, implying potential downside risk.
Pros
- Asset-light model eliminates credit risk, enabling consistent cash generation and global scale.
- Lower beta of 0.97 delivers steadier performance during market volatility.
- Strong positioning in emerging markets and digitisation trends supports sustained growth.
Considerations
- Forward P/E ratio of 30.64X reflects premium valuation amid slower near-term EPS growth.
- Recent year-to-date share gains trail American Express and broader market benchmarks.
- EPS estimates have trended downward over the past 60 days amid economic concerns.
Related Market Insights
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Related Market Insights
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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.
Mastercard (MA) Next Earnings Date
Mastercard Incorporated (MA) will release its next earnings report on Thursday, January 29, 2026, covering the fourth quarter and full year 2025. This date has been officially announced by the company for the financial results disclosure before market open, followed by a conference call. Investors should monitor official channels for any updates, as this aligns with Mastercard's historical late-January pattern for Q4 results.
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.
Mastercard (MA) Next Earnings Date
Mastercard Incorporated (MA) will release its next earnings report on Thursday, January 29, 2026, covering the fourth quarter and full year 2025. This date has been officially announced by the company for the financial results disclosure before market open, followed by a conference call. Investors should monitor official channels for any updates, as this aligns with Mastercard's historical late-January pattern for Q4 results.
Which Baskets Do They Appear In?
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 BasketThe 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
Explore BasketWhich Baskets Do They Appear In?
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 BasketThe 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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