AMERICAN EXPRESS CO vs FinVolution Group, two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
American Express is a closed-loop network, issuer and acquirer in one, taxing affluent spend at a 15.1% net margin; FinVolution is a Chinese online-credit marketplace matching borrowers to institutional funders at an 18.7% net margin. The smaller firm earns the wider margin and trades at the smaller multiple, 17.8 times against 21.3, with a return-on-assets edge, 10% against 3.6%, that reflects its asset-light matchmaking against Amex's balance-sheet lending. Amex pays the dividend; FinVolution runs nearly debt-free. What separates the prices is jurisdiction and permanence: a US franchise the market never questions against Chinese consumer credit it never quite trusts. The economics, read cold, are closer than the reputations.
Comparison updated 2026-07-10.
| Metric | AXP | FINV |
|---|---|---|
| Price | $340.48 | $4.80 |
| Market cap | $233.6B | $6.4B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Growth |
| P/E | 21.3 | 17.8 |
| P/B | 6.87 | 2.66 |
| P/S | 3.15 | 3.30 |
| EV/EBITDA | — | 613.1 |
| Revenue growth | +10.5% | +200.0% |
| Net margin | 15.1% | 18.7% |
| Return on equity | 33.0% | 15.1% |
| Return on assets | 3.6% | 10.0% |
| Dividend yield | 1.0% | — |
| Debt / equity | 1.78 | 0.02 |
| Altman Z (solvency) | 0.87 | 4.33 |
| Piotroski F (quality) | 7 / 9 | 6 / 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.