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Side-by-side financial comparison of American Express (AXP) and Oracle Corporation (ORCL). Click either name above to swap in a different company.
Oracle Corporation is the larger business by last-quarter revenue ($16.1B vs $10.9B, roughly 1.5× American Express). Oracle Corporation runs the higher net margin — 38.2% vs 22.5%, a 15.7% gap on every dollar of revenue. On growth, Oracle Corporation posted the faster year-over-year revenue change (14.2% vs 9.9%). American Express produced more free cash flow last quarter ($2.3B vs $-10.0B). Over the past eight quarters, Oracle Corporation's revenue compounded faster (10.0% CAGR vs 8.2%).
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...
An oracle is a person or thing considered to provide insight, wise counsel or prophetic predictions, most notably including precognition of the future, inspired by deities. If done through occultic means, it is a form of divination.
AXP vs ORCL — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $10.9B | $16.1B |
| Net Profit | $2.5B | $6.1B |
| Gross Margin | — | — |
| Operating Margin | 28.2% | 29.5% |
| Net Margin | 22.5% | 38.2% |
| Revenue YoY | 9.9% | 14.2% |
| Net Profit YoY | 13.5% | 94.7% |
| EPS (diluted) | $3.52 | $2.10 |
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.
| Q4 25 | $10.9B | $16.1B | ||
| Q3 25 | $10.4B | $14.9B | ||
| Q2 25 | $10.3B | $15.9B | ||
| Q1 25 | $9.6B | $14.1B | ||
| Q4 24 | $10.0B | $14.1B | ||
| Q3 24 | $9.7B | $13.3B | ||
| Q2 24 | $9.8B | $14.3B | ||
| Q1 24 | $9.3B | $13.3B |
| Q4 25 | $2.5B | $6.1B | ||
| Q3 25 | $2.9B | $2.9B | ||
| Q2 25 | $2.9B | $3.4B | ||
| Q1 25 | $2.6B | $2.9B | ||
| Q4 24 | $2.2B | $3.2B | ||
| Q3 24 | $2.5B | $2.9B | ||
| Q2 24 | $3.0B | $3.1B | ||
| Q1 24 | $2.4B | $2.4B |
| Q4 25 | 28.2% | 29.5% | ||
| Q3 25 | 36.7% | 28.7% | ||
| Q2 25 | 34.4% | 32.1% | ||
| Q1 25 | 34.6% | 30.8% | ||
| Q4 24 | 27.7% | 30.0% | ||
| Q3 24 | 33.0% | 30.0% | ||
| Q2 24 | 38.6% | 32.8% | ||
| Q1 24 | 33.7% | 28.2% |
| Q4 25 | 22.5% | 38.2% | ||
| Q3 25 | 27.9% | 19.6% | ||
| Q2 25 | 28.0% | 21.5% | ||
| Q1 25 | 26.8% | 20.8% | ||
| Q4 24 | 21.8% | 22.4% | ||
| Q3 24 | 25.8% | 22.0% | ||
| Q2 24 | 30.7% | 22.0% | ||
| Q1 24 | 26.1% | 18.1% |
| Q4 25 | $3.52 | $2.10 | ||
| Q3 25 | $4.14 | $1.01 | ||
| Q2 25 | $4.08 | $1.19 | ||
| Q1 25 | $3.64 | $1.02 | ||
| Q4 24 | $3.04 | $1.10 | ||
| Q3 24 | $3.49 | $1.03 | ||
| Q2 24 | $4.15 | $1.11 | ||
| Q1 24 | $3.33 | $0.85 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $742.0M | $19.2B |
| Total DebtLower is stronger | $56.4B | — |
| Stockholders' EquityBook value | $33.5B | $30.0B |
| Total Assets | $300.1B | $205.0B |
| Debt / EquityLower = less leverage | 1.68× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $742.0M | $19.2B | ||
| Q3 25 | $1.3B | $10.4B | ||
| Q2 25 | $197.0M | $10.8B | ||
| Q1 25 | $261.0M | $17.4B | ||
| Q4 24 | $221.0M | $10.9B | ||
| Q3 24 | $120.0M | $10.6B | ||
| Q2 24 | $188.0M | $10.5B | ||
| Q1 24 | $69.0M | $9.5B |
| Q4 25 | $56.4B | — | ||
| Q3 25 | $57.8B | — | ||
| Q2 25 | $58.2B | — | ||
| Q1 25 | $51.2B | — | ||
| Q4 24 | $49.7B | — | ||
| Q3 24 | $53.5B | — | ||
| Q2 24 | $51.5B | — | ||
| Q1 24 | $48.8B | — |
| Q4 25 | $33.5B | $30.0B | ||
| Q3 25 | $32.4B | $24.2B | ||
| Q2 25 | $32.3B | $20.5B | ||
| Q1 25 | $31.2B | $16.7B | ||
| Q4 24 | $30.3B | $13.7B | ||
| Q3 24 | $29.7B | $10.8B | ||
| Q2 24 | $29.5B | $8.7B | ||
| Q1 24 | $28.8B | $5.6B |
| Q4 25 | $300.1B | $205.0B | ||
| Q3 25 | $297.6B | $180.4B | ||
| Q2 25 | $295.6B | $168.4B | ||
| Q1 25 | $282.2B | $161.4B | ||
| Q4 24 | $271.5B | $148.5B | ||
| Q3 24 | $271.0B | $144.2B | ||
| Q2 24 | $272.2B | $141.0B | ||
| Q1 24 | $269.3B | $137.1B |
| Q4 25 | 1.68× | — | ||
| Q3 25 | 1.78× | — | ||
| Q2 25 | 1.80× | — | ||
| Q1 25 | 1.64× | — | ||
| Q4 24 | 1.64× | — | ||
| Q3 24 | 1.80× | — | ||
| Q2 24 | 1.74× | — | ||
| Q1 24 | 1.70× | — |
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 | $3.1B | $2.1B |
| Free Cash FlowOCF − Capex | $2.3B | $-10.0B |
| FCF MarginFCF / Revenue | 21.4% | -62.1% |
| Capex IntensityCapex / Revenue | 6.6% | 74.9% |
| Cash ConversionOCF / Net Profit | 1.25× | 0.34× |
| TTM Free Cash FlowTrailing 4 quarters | $16.0B | $-13.2B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.1B | $2.1B | ||
| Q3 25 | $6.2B | $8.1B | ||
| Q2 25 | $4.4B | $6.2B | ||
| Q1 25 | $4.8B | $5.9B | ||
| Q4 24 | $5.8B | $1.3B | ||
| Q3 24 | $-1.8B | $7.4B | ||
| Q2 24 | $4.5B | $6.1B | ||
| Q1 24 | $5.6B | $5.5B |
| Q4 25 | $2.3B | $-10.0B | ||
| Q3 25 | $5.6B | $-362.0M | ||
| Q2 25 | $3.7B | $-2.9B | ||
| Q1 25 | $4.3B | $71.0M | ||
| Q4 24 | $5.3B | $-2.7B | ||
| Q3 24 | $-2.3B | $5.1B | ||
| Q2 24 | $4.0B | $3.3B | ||
| Q1 24 | $5.2B | $3.8B |
| Q4 25 | 21.4% | -62.1% | ||
| Q3 25 | 53.6% | -2.4% | ||
| Q2 25 | 36.3% | -18.4% | ||
| Q1 25 | 45.0% | 0.5% | ||
| Q4 24 | 53.1% | -19.0% | ||
| Q3 24 | -23.3% | 38.5% | ||
| Q2 24 | 40.4% | 23.0% | ||
| Q1 24 | 55.2% | 28.6% |
| Q4 25 | 6.6% | 74.9% | ||
| Q3 25 | 6.3% | 57.0% | ||
| Q2 25 | 6.0% | 57.1% | ||
| Q1 25 | 4.5% | 41.5% | ||
| Q4 24 | 5.0% | 28.2% | ||
| Q3 24 | 4.7% | 17.3% | ||
| Q2 24 | 5.8% | 19.6% | ||
| Q1 24 | 4.2% | 12.6% |
| Q4 25 | 1.25× | 0.34× | ||
| Q3 25 | 2.15× | 2.78× | ||
| Q2 25 | 1.51× | 1.80× | ||
| Q1 25 | 1.84× | 2.02× | ||
| Q4 24 | 2.66× | 0.41× | ||
| Q3 24 | -0.72× | 2.54× | ||
| Q2 24 | 1.50× | 1.93× | ||
| Q1 24 | 2.28× | 2.28× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AXP
| US Consumer Services Segment | $4.2B | 38% |
| Commercial Services Segment | $3.1B | 28% |
| International Card Services Segment | $2.1B | 19% |
| Global Merchant And Network Services Segment | $1.7B | 15% |
| Financial Service Other | $471.0M | 4% |
ORCL
| Software Support | $4.9B | 31% |
| Cloud Infrastructure | $4.1B | 25% |
| Cloud Applications | $3.9B | 24% |
| Services Business | $1.4B | 9% |
| Software License | $939.0M | 6% |
| Hardware Business | $776.0M | 5% |
