AMERICAN EXPRESS CO vs PennyMac Financial Services, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where AXP and PFSI diverge most: on p/b, AXP reads 6.10 and PFSI reads 0.72; on return on equity, AXP reads 33.4% and PFSI reads 9.1%. The rest of the comparable metrics sit closer together. What AXP's price implies is a bet that sits within the historical range (earnings-power basis). The bull and bear cases for each are in their full reports below.
| Metric | AXP | PFSI |
|---|---|---|
| Price | $308.07 | $59.95 |
| Market cap | $209.2B | $3.1B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Growth |
| P/E | 18.7 | 8.2 |
| P/B | 6.10 | 0.72 |
| P/S | 2.75 | 1.41 |
| EV/EBITDA | 119.0 | 171.9 |
| Revenue growth | +10.7% | +26.6% |
| Net margin | 15.1% | 17.7% |
| Return on equity | 33.4% | 9.1% |
| Return on assets | 3.7% | 1.3% |
| Dividend yield | 1.1% | 2.0% |
| Debt / equity | 1.72 | 1.46 |
| Altman Z (solvency) | 0.82 | 0.35 |
| Piotroski F (quality) | 9 / 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.