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Side-by-side financial comparison of Ares Commercial Real Estate Corp (ACRE) and American Express (AXP). Click either name above to swap in a different company.
American Express is the larger business by last-quarter revenue ($18.9M vs $13.2M, roughly 1.4× Ares Commercial Real Estate Corp). American Express runs the higher net margin — 15.7% vs -29.2%, a 45.0% gap on every dollar of revenue. On growth, American Express posted the faster year-over-year revenue change (11.4% vs -24.5%). Over the past eight quarters, Ares Commercial Real Estate Corp's revenue compounded faster (-15.9% CAGR vs -95.6%).
Ares Commercial Real Estate Corp is a specialty finance company focused on the commercial real estate sector. It offers a full suite of customized financing solutions including senior mortgage loans, subordinated debt and preferred equity, primarily serving middle-market commercial property owners and operators across the United States.
American Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide. The company operates through three segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. Its products and services include payment and financing products; network services; accounts payable expense management products and services; and travel and lifestyle services. The company's products an...
ACRE vs AXP — Head-to-Head
Income Statement — Q4 2025 vs Q1 2026
| Metric | | |
|---|---|---|
| Revenue | $13.2M | $18.9M |
| Net Profit | $-3.9M | $3.0M |
| Gross Margin | — | — |
| Operating Margin | -29.2% | — |
| Net Margin | -29.2% | 15.7% |
| Revenue YoY | -24.5% | 11.4% |
| Net Profit YoY | 63.8% | 15.0% |
| EPS (diluted) | — | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $18.9M | ||
| Q4 25 | $13.2M | $10.9B | ||
| Q3 25 | $14.1M | $10.4B | ||
| Q2 25 | $12.6M | $10.3B | ||
| Q1 25 | $14.9M | $9.6B | ||
| Q4 24 | $17.5M | $10.0B | ||
| Q3 24 | $16.7M | $9.7B | ||
| Q2 24 | $16.8M | $9.8B |
| Q1 26 | — | $3.0M | ||
| Q4 25 | $-3.9M | $2.5B | ||
| Q3 25 | $4.7M | $2.9B | ||
| Q2 25 | $-11.0M | $2.9B | ||
| Q1 25 | $9.3M | $2.6B | ||
| Q4 24 | $-10.7M | $2.2B | ||
| Q3 24 | $-5.9M | $2.5B | ||
| Q2 24 | $-6.1M | $3.0B |
| Q1 26 | — | — | ||
| Q4 25 | -29.2% | 28.2% | ||
| Q3 25 | 33.0% | 36.7% | ||
| Q2 25 | -87.8% | 34.4% | ||
| Q1 25 | 64.4% | 34.6% | ||
| Q4 24 | -61.0% | 27.7% | ||
| Q3 24 | -35.3% | 33.0% | ||
| Q2 24 | -36.5% | 38.6% |
| Q1 26 | — | 15.7% | ||
| Q4 25 | -29.2% | 22.5% | ||
| Q3 25 | 33.0% | 27.9% | ||
| Q2 25 | -87.8% | 28.0% | ||
| Q1 25 | 62.5% | 26.8% | ||
| Q4 24 | -60.9% | 21.8% | ||
| Q3 24 | -35.3% | 25.8% | ||
| Q2 24 | -36.5% | 30.7% |
| Q1 26 | — | — | ||
| Q4 25 | — | $3.52 | ||
| Q3 25 | — | $4.14 | ||
| Q2 25 | — | $4.08 | ||
| Q1 25 | — | $3.64 | ||
| Q4 24 | — | $3.04 | ||
| Q3 24 | — | $3.49 | ||
| Q2 24 | — | $4.15 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $29.3M | — |
| Total DebtLower is stronger | $948.2M | $60.4M |
| Stockholders' EquityBook value | $509.6M | $34.0M |
| Total Assets | $1.6B | $308.9M |
| Debt / EquityLower = less leverage | 1.86× | 1.78× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $29.3M | $742.0M | ||
| Q3 25 | $84.9M | $1.3B | ||
| Q2 25 | $90.0M | $197.0M | ||
| Q1 25 | $125.5M | $261.0M | ||
| Q4 24 | $63.8M | $221.0M | ||
| Q3 24 | $68.9M | $120.0M | ||
| Q2 24 | $70.6M | $188.0M |
| Q1 26 | — | $60.4M | ||
| Q4 25 | $948.2M | $56.4B | ||
| Q3 25 | — | $57.8B | ||
| Q2 25 | — | $58.2B | ||
| Q1 25 | — | $51.2B | ||
| Q4 24 | $718.5M | $49.7B | ||
| Q3 24 | — | $53.5B | ||
| Q2 24 | — | $51.5B |
| Q1 26 | — | $34.0M | ||
| Q4 25 | $509.6M | $33.5B | ||
| Q3 25 | $521.0M | $32.4B | ||
| Q2 25 | $523.7M | $32.3B | ||
| Q1 25 | $542.1M | $31.2B | ||
| Q4 24 | $540.1M | $30.3B | ||
| Q3 24 | $563.8M | $29.7B | ||
| Q2 24 | $582.3M | $29.5B |
| Q1 26 | — | $308.9M | ||
| Q4 25 | $1.6B | $300.1B | ||
| Q3 25 | $1.4B | $297.6B | ||
| Q2 25 | $1.4B | $295.6B | ||
| Q1 25 | $1.5B | $282.2B | ||
| Q4 24 | $1.8B | $271.5B | ||
| Q3 24 | $1.9B | $271.0B | ||
| Q2 24 | $2.1B | $272.2B |
| Q1 26 | — | 1.78× | ||
| Q4 25 | 1.86× | 1.68× | ||
| Q3 25 | — | 1.78× | ||
| Q2 25 | — | 1.80× | ||
| Q1 25 | — | 1.64× | ||
| Q4 24 | 1.33× | 1.64× | ||
| Q3 24 | — | 1.80× | ||
| Q2 24 | — | 1.74× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $4.6M | — |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $4.6M | $3.1B | ||
| Q3 25 | $3.8M | $6.2B | ||
| Q2 25 | $4.9M | $4.4B | ||
| Q1 25 | $8.0M | $4.8B | ||
| Q4 24 | $7.1M | $5.8B | ||
| Q3 24 | $8.4M | $-1.8B | ||
| Q2 24 | $8.7M | $4.5B |
| Q1 26 | — | — | ||
| Q4 25 | — | $2.3B | ||
| Q3 25 | — | $5.6B | ||
| Q2 25 | — | $3.7B | ||
| Q1 25 | — | $4.3B | ||
| Q4 24 | — | $5.3B | ||
| Q3 24 | — | $-2.3B | ||
| Q2 24 | — | $4.0B |
| Q1 26 | — | — | ||
| Q4 25 | — | 21.4% | ||
| Q3 25 | — | 53.6% | ||
| Q2 25 | — | 36.3% | ||
| Q1 25 | — | 45.0% | ||
| Q4 24 | — | 53.1% | ||
| Q3 24 | — | -23.3% | ||
| Q2 24 | — | 40.4% |
| Q1 26 | — | — | ||
| Q4 25 | — | 6.6% | ||
| Q3 25 | — | 6.3% | ||
| Q2 25 | — | 6.0% | ||
| Q1 25 | — | 4.5% | ||
| Q4 24 | — | 5.0% | ||
| Q3 24 | — | 4.7% | ||
| Q2 24 | — | 5.8% |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.25× | ||
| Q3 25 | 0.82× | 2.15× | ||
| Q2 25 | — | 1.51× | ||
| Q1 25 | 0.86× | 1.84× | ||
| Q4 24 | — | 2.66× | ||
| Q3 24 | — | -0.72× | ||
| Q2 24 | — | 1.50× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACRE
Segment breakdown not available.
AXP
| Discount revenue | $9.5M | 50% |
| Other | $8.9M | 47% |
| Deposits with banks and other | $512.0K | 3% |
