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Side-by-side financial comparison of American Express (AXP) and Owlet, Inc. (OWLT). Click either name above to swap in a different company.
Owlet, Inc. is the larger business by last-quarter revenue ($26.6M vs $18.9M, roughly 1.4× American Express). American Express runs the higher net margin — 15.7% vs -34.6%, a 50.3% gap on every dollar of revenue. On growth, Owlet, Inc. posted the faster year-over-year revenue change (29.6% vs 11.4%). Over the past eight quarters, Owlet, Inc.'s revenue compounded faster (34.2% CAGR vs -95.6%).
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...
Owlet, Inc. is a pediatric health technology firm that develops smart wearable monitoring products for infants, most notably its signature smart sock that tracks real-time heart rate, oxygen levels, and sleep metrics. It serves global consumer markets across North America, Europe, and Asia-Pacific, distributing products via direct-to-consumer e-commerce and partnered retail outlets, focused on supporting parental peace of mind and infant health safety.
AXP vs OWLT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $18.9M | $26.6M |
| Net Profit | $3.0M | $-9.2M |
| Gross Margin | — | 47.6% |
| Operating Margin | — | -18.4% |
| Net Margin | 15.7% | -34.6% |
| Revenue YoY | 11.4% | 29.6% |
| Net Profit YoY | 15.0% | -1.5% |
| 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 | $10.9B | $26.6M | ||
| Q3 25 | $10.4B | $32.0M | ||
| Q2 25 | $10.3B | $26.1M | ||
| Q1 25 | $9.6B | $21.1M | ||
| Q4 24 | $10.0B | $20.5M | ||
| Q3 24 | $9.7B | $22.1M | ||
| Q2 24 | $9.8B | $20.7M |
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | $-9.2M | ||
| Q3 25 | $2.9B | $4.1M | ||
| Q2 25 | $2.9B | $-37.6M | ||
| Q1 25 | $2.6B | $3.0M | ||
| Q4 24 | $2.2B | $-9.1M | ||
| Q3 24 | $2.5B | $-5.6M | ||
| Q2 24 | $3.0B | $-1.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 47.6% | ||
| Q3 25 | — | 50.6% | ||
| Q2 25 | — | 51.3% | ||
| Q1 25 | — | 53.7% | ||
| Q4 24 | — | 53.5% | ||
| Q3 24 | — | 52.2% | ||
| Q2 24 | — | 49.5% |
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | -18.4% | ||
| Q3 25 | 36.7% | 3.8% | ||
| Q2 25 | 34.4% | -7.4% | ||
| Q1 25 | 34.6% | -12.7% | ||
| Q4 24 | 27.7% | -36.2% | ||
| Q3 24 | 33.0% | -21.8% | ||
| Q2 24 | 38.6% | -10.8% |
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | -34.6% | ||
| Q3 25 | 27.9% | 12.9% | ||
| Q2 25 | 28.0% | -144.4% | ||
| Q1 25 | 26.8% | 14.3% | ||
| Q4 24 | 21.8% | -44.2% | ||
| Q3 24 | 25.8% | -25.4% | ||
| Q2 24 | 30.7% | -5.5% |
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | — | ||
| Q3 25 | $4.14 | $-0.06 | ||
| Q2 25 | $4.08 | $-2.37 | ||
| Q1 25 | $3.64 | $0.11 | ||
| Q4 24 | $3.04 | $-0.15 | ||
| Q3 24 | $3.49 | $-0.61 | ||
| Q2 24 | $4.15 | $-0.30 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $35.5M |
| Total DebtLower is stronger | $60.4M | — |
| Stockholders' EquityBook value | $34.0M | $19.0M |
| Total Assets | $308.9M | $85.6M |
| Debt / EquityLower = less leverage | 1.78× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | $35.5M | ||
| Q3 25 | $1.3B | $23.8M | ||
| Q2 25 | $197.0M | $21.8M | ||
| Q1 25 | $261.0M | $16.3M | ||
| Q4 24 | $221.0M | $20.2M | ||
| Q3 24 | $120.0M | $21.6M | ||
| Q2 24 | $188.0M | $15.4M |
| Q1 26 | $60.4M | — | ||
| 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 | $2.1M |
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $19.0M | ||
| Q3 25 | $32.4B | $-54.1M | ||
| Q2 25 | $32.3B | $-59.2M | ||
| Q1 25 | $31.2B | $-25.8M | ||
| Q4 24 | $30.3B | $-29.8M | ||
| Q3 24 | $29.7B | $-21.5M | ||
| Q2 24 | $29.5B | $-33.4M |
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $85.6M | ||
| Q3 25 | $297.6B | $74.9M | ||
| Q2 25 | $295.6B | $63.5M | ||
| Q1 25 | $282.2B | $51.4M | ||
| Q4 24 | $271.5B | $49.5M | ||
| Q3 24 | $271.0B | $56.1M | ||
| Q2 24 | $272.2B | $45.9M |
| Q1 26 | 1.78× | — | ||
| 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× | — |
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 | — | $-452.0K |
| Free Cash FlowOCF − Capex | — | $-651.0K |
| FCF MarginFCF / Revenue | — | -2.5% |
| Capex IntensityCapex / Revenue | — | 0.7% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-11.1M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $-452.0K | ||
| Q3 25 | $6.2B | $-2.2M | ||
| Q2 25 | $4.4B | $-2.2M | ||
| Q1 25 | $4.8B | $-5.9M | ||
| Q4 24 | $5.8B | $3.0M | ||
| Q3 24 | $-1.8B | $-7.5M | ||
| Q2 24 | $4.5B | $-3.4M |
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | $-651.0K | ||
| Q3 25 | $5.6B | $-2.2M | ||
| Q2 25 | $3.7B | $-2.3M | ||
| Q1 25 | $4.3B | $-5.9M | ||
| Q4 24 | $5.3B | $3.0M | ||
| Q3 24 | $-2.3B | $-7.5M | ||
| Q2 24 | $4.0B | $-3.4M |
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | -2.5% | ||
| Q3 25 | 53.6% | -6.8% | ||
| Q2 25 | 36.3% | -8.8% | ||
| Q1 25 | 45.0% | -28.1% | ||
| Q4 24 | 53.1% | 14.5% | ||
| Q3 24 | -23.3% | -33.9% | ||
| Q2 24 | 40.4% | -16.3% |
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 0.7% | ||
| Q3 25 | 6.3% | 0.0% | ||
| Q2 25 | 6.0% | 0.2% | ||
| Q1 25 | 4.5% | 0.0% | ||
| Q4 24 | 5.0% | 0.2% | ||
| Q3 24 | 4.7% | 0.0% | ||
| Q2 24 | 5.8% | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | — | ||
| Q3 25 | 2.15× | -0.52× | ||
| Q2 25 | 1.51× | — | ||
| Q1 25 | 1.84× | -1.96× | ||
| 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
AXP
| Discount revenue | $9.5M | 50% |
| Other | $8.9M | 47% |
| Deposits with banks and other | $512.0K | 3% |
OWLT
| US | $22.7M | 85% |
| Non Us | $3.2M | 12% |
| Other | $651.0K | 2% |
