AMERICAN EXPRESS CO vs Chime Financial, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
American Express earns 33% on equity from a closed-loop card network a century old; Chime's return on equity is negative 67%, the arithmetic of a newly public neobank still spending through its float of members. The comparison is generational rather than competitive: Amex monetizes affluent spend at a 15.1% net margin, pays a dividend, and trades at 21.3 times earnings; Chime runs a 7.1% operating margin that collapses to a negative 41.9% net line under IPO-era costs, with no multiple to price. Chime carries no debt; Amex's 1.78 turns are the ordinary furniture of a lender. One page is a franchise compounding; the other is a bet that a debit-first brand becomes one before the cash conversation gets serious.
Comparison updated 2026-07-10.
| Metric | AXP | CHYM |
|---|---|---|
| Price | $340.48 | $20.26 |
| Market cap | $233.6B | $8.1B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Growth |
| P/E | 21.3 | — |
| P/B | 6.87 | 5.63 |
| P/S | 3.15 | 3.50 |
| Revenue growth | +10.5% | +30.4% |
| Gross margin | — | 89.6% |
| Operating margin | — | 7.1% |
| Net margin | 15.1% | -41.9% |
| Return on equity | 33.0% | -67.3% |
| Return on assets | 3.6% | -49.7% |
| Dividend yield | 1.0% | — |
| Debt / equity | 1.78 | 0.00 |
| Current ratio | — | 5.07 |
| Altman Z (solvency) | 0.87 | 5.74 |
| Piotroski F (quality) | 7 / 9 | 7 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.