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Stock American Express Company AXP

American Express Company — Investlytic score 3/5 on the five criteria.

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60/ 100
Score Investlytic · 5 criteria

Analysis in progress…

Investlytic score: 3/5 criteria met. Data as of 04/11/2026.

  • ✅ Price trend passed
  • ✅ Growth passed
  • ❌ Debt failed
  • ✅ P/E passed
  • ❌ Correction failed

Price trend

Overall trend (8 years): the price has been multiplied by at least 1.5.

Price change 2018 → 2019: 30.60%

Price change 2019 → 2020: -2.88%

Price change 2020 → 2021: 35.31%

Price change 2021 → 2022: -9.69%

Price change 2022 → 2023: 26.80%

Price change 2023 → 2024: 58.42%

Price change 2024 → 2025: 24.65%

Price change 2025 → 2026: -12.02%

Price change 2026 (year to date): -12.67%

Financial growth

Revenue CAGR (8 years): 9.27%

Earnings CAGR (8 years): 6.61%

Growth status: positive trend (>1%/yr) in revenue and earnings.

Debt

Debt-to-equity ratio: 1.73

Debt/equity > 0.5 (maximum threshold).

P/E (Price/Earnings)

P/E ratio: 19.12

P/E < 25.0 (maximum threshold).

Correction (6 months)

Current correction: 9.98% from the high over 6 months.

Insufficient correction (< 10.0%).

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Criteria of the Investlytic model

- / 5
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Score out of 100, model verdict (buy, watch, sell) and details of the 5 criteria · visible with a free account.

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Price trend

Price & trend

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⚖️ Comparison with the market

All stocks →
StockP/EDette/FPRevenue growthRating
American Express Company18.81.73+6.8 %🔒
Citigroup Inc.12.03.37+2.8 %–
Allianz SE14.30.46+2.6 %★ 4/5
Morgan Stanley14.94.26+8.1 %★ 4/5
HSBC Holdings plc10.82.81+3.6 %–

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Key reported figures

Revenue, net income and net margin reported by American Express Company over the latest fiscal years.

Revenue
80.5 bn USD
fiscal year 2025
Net income
10.8 bn USD
fiscal year 2025
Net margin
13.5 %
fiscal year 2025
Average annual growth
+16.0 %
Revenue growth over 5 years
Average annual growth
+8.9 %
Revenue growth over 10 years
Market cap
215 bn USD
Fiscal yearRevenueNet incomeNet marginRevenue growth
202038.3 bn3.1 bn8.2 %n/a
202144.4 bn8.1 bn18.1 %+15.9 %
202255.6 bn7.5 bn13.5 %+25.2 %
202367.4 bn8.4 bn12.4 %+21.1 %
202474.2 bn10.1 bn13.7 %+10.1 %
202580.5 bn10.8 bn13.5 %+8.4 %

Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.

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Accounts and financial health

Balance sheet and cash flow published by American Express Company over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).

Overview
solid accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
n/a
not applicable to banks and insurance
Piotroski Score
8 / 9
7 to 9: solid accounts
DCF Value
208.84 USD
DCF below share price · share price 321.77 USD, gap -35.1 %
Net Debt / EBITDA
0.63 x
low debt
Fiscal year20212022202320242025
Cash and investments24.5 bn38.4 bn48.6 bn41.7 bn48.5 bn
Total Debt40.9 bn43.9 bn49.2 bn51.1 bn57.8 bn
Net Debt19.4 bn10.4 bn2.6 bn10.5 bn10.1 bn
Equity22.2 bn24.7 bn28.1 bn30.3 bn33.5 bn
Total assets189 bn228 bn261 bn271 bn300 bn
Operating cash flow14.6 bn21.1 bn18.6 bn14.1 bn18.4 bn
Investments (capex)1.6 bn1.9 bn1.6 bn1.9 bn2.4 bn
Free cash-flow13.1 bn19.2 bn17.0 bn12.1 bn16.0 bn
Share buybacks7.7 bn3.5 bn3.6 bn6.0 bn5.8 bn
Dividends paid1.4 bn1.6 bn1.8 bn2.0 bn2.3 bn

Amounts in USD, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)18.05 x
Price / book value6.03 x
Return on Equity (ROE)35.6 %
Return on Invested Capital (ROIC)6.0 %
Net margin14.3 %
Debt / equity1.67 x
Current ratio191.09 x
Interest coverage2.98 x
Free cash-flow yield6.5 %

Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.

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Valuation and competitors

American Express Company compared with its sector on the same exchange and with its main competitors.

Company P/E
18.9
close to the sector
Sector median P/E
18.3
financial services, NYSE
Sector over 10 years
18.3
10-year median, range 15.0 to 24.9

Direct competitors

CompanyMarket cap (USD)P/ENet margin
American Express Company214 bn18.813.5 %
Visa Inc. V773 bn33.250.1 %
Mastercard Incorporated MA559 bn35.745.6 %
Capital One Financial Corporation COF126 bn10.43.5 %
Synchrony Financial SYF24.5 bn7.818.6 %
Global Payments Inc. GPN25.6 bn7.518.2 %
WEX Inc. WEX6.3 bn11.011.4 %
PayPal Holdings, Inc. PYPL47.4 bn10.715.8 %
Affirm Holdings, Inc. AFRM21.9 bn13.31.6 %
Sector median (NYSE)18.3

Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on . Competitors: comparable companies named by the data provider.

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Analyst consensus and forecasts

What the financial analysts covering American Express Company publish: ratings, price targets and earnings forecasts.

Majority rating
hold
57 analysts
Average price target
357.64 USD
from 315.00 USD to 400.00 USD, 40 targets over 12 months
Gap with the share price
+12.1 %
price 319.11 USD on 30/10/2026

Breakdown of ratings

strong buy 0buy 23hold 30sell 4strong sell 0

Analysts' average target 357.64 USD, DCF value 208.84 USD, share price 319.11 USD.

Average target over the last 3 months: 355.10 USD (10 targets).

Analyst forecasts

Fiscal yearRevenueNet incomeExpected EPS (range)P/E on this EPSAnalysts
202679.4 bn12.8 bn18.26 (17.96 / 18.88)17.516
202786.6 bn14.1 bn20.17 (19.93 / 20.48)15.820
202894.1 bn14.8 bn23.20 (21.10 / 24.38)13.817

Amounts in USD, the reporting currency.

Track record against expectations: reported EPS above consensus 10 times over the last 12 releases.

Rating changes (12 months)

DateFirmBeforeAfter
27/10/2026CitigroupNeutralNeutral
26/10/2026JP MorganOverweightOverweight
26/10/2026BarclaysEqual WeightEqual Weight
12/10/2026JP MorganOverweightOverweight
12/10/2026Morgan StanleyEqual WeightEqual Weight

Source: ratings and forecasts published by analysts, collected on 07/11/2026. An analyst rating or target is not a guarantee.

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Dividends and earnings

American Express Company: dividend history, last distributions, stock splits and earnings releases.

Frequency
quarterly
Last dividend
0.950 USD
ex-dividend on 09/10/2026
Last 12 months
3.67 USD
number of payments: 4
Yield
0.9 %
on the last known price
Years of increases
5
consecutive
Years of payments
49
uninterrupted
00.921.832.753.672007 : 0.600 USD2008 : 0.720 USD20082009 : 0.720 USD2010 : 0.720 USD20102011 : 0.720 USD2012 : 0.780 USD20122013 : 0.860 USD2014 : 0.980 USD20142015 : 1.10 USD2016 : 1.19 USD20162017 : 1.31 USD2018 : 1.44 USD20182019 : 1.60 USD2020 : 1.72 USD20202021 : 1.72 USD2022 : 1.99 USD20222023 : 2.32 USD2024 : 2.70 USD20242025 : 3.16 USD2026 : 3.67 USD2026

Annual dividend per share (USD), adjusted for splits. Light bar: current year, incomplete. Red bar: lower than the previous year.

Latest ex-dividend dates

Ex-dividendAmountPayment
09/10/20260.950 USD10/11/2026
02/07/20260.950 USD10/08/2026
02/04/20260.950 USD08/05/2026
02/01/20260.820 USD10/02/2026
10/10/20250.820 USD10/11/2025
03/07/20250.820 USD08/08/2025
04/04/20250.820 USD09/05/2025
03/01/20250.700 USD10/02/2025

Earnings releases

DatePublished EPSExpected EPSSurprise
23/10/20264.684.50+4.0 %
24/07/20264.534.40+3.0 %
23/04/20264.284.00+7.0 %
30/01/20263.533.54-0.3 %
17/10/20254.144.00+3.5 %
18/07/20254.083.89+4.9 %

Stock splits

DateOperation
03/10/2005split: 10,000 shares for 8,753
11/05/2000split: 3 shares for 1
31/05/1994split: 400 shares for 353
11/05/1987split: 2 shares for 1
11/08/1983split: 3 shares for 2
11/02/1983split: 4 shares for 3

Factual data: ex-dividend history and earnings calendar, as of 05/11/2026. A past dividend does not guarantee the next one.

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Who owns the stock

Free float, institutional investors, large funds, executives and elected officials: declared positions in American Express Company.

Free float
99.9 %
share of freely traded shares
Institutions
84.7 %
3,118 declared holders, 2026Q2
Large funds tracked
35
hold the stock as of 2026Q2
Executives (insiders)
0 / 9
0 purchases, 9 sales in 130 days
US elected officials
16
11 purchases, 5 sales in 12 months

Indices: S&P 500 (since 30/06/1976), Dow Jones (since 30/08/1982).

Large funds tracked

FundSharesValue (USD)Weight in the fundChangeQuarter
Berkshire Hathaway152 m51.3 bn17.1 %0.0 %2026Q2
State Street58.2 m19.7 bn0.3 %+99.1 %2026Q2
Vanguard Group46.1 m17.1 bn0.2 %+0.2 %2025Q4
BlackRock42.0 m14.2 bn0.2 %+0.2 %2026Q2
JPMorgan Chase20.5 m7.0 bn0.4 %+0.3 %2026Q2
Geode Capital Management14.0 m4.7 bn0.2 %-1.0 %2026Q2
Morgan Stanley13.1 m4.4 bn0.2 %+2.4 %2026Q2
Fisher Asset Management9.4 m3.2 bn0.9 %+1.9 %2026Q2

Latest insider transactions

DatePersonSideAmount
04/11/2026Squeri Stephen Jsale2.6 m USD
04/11/2026Squeri Stephen Jsale28.3 m USD
04/11/2026Squeri Stephen Jsale66.7 m USD
04/11/2026Squeri Stephen Jsale1.8 m USD
02/11/2026Seeger Laureensale22.9 m USD
02/11/2026Marrs Annasale4.8 m USD

Elected officials' disclosures

DateOfficialSideAmount
15/09/2026Ro Khannapurchase$1,001 - $15,000
15/09/2026Ro Khannapurchase$1,001 - $15,000
27/03/2026Alan Armstrongpurchase$1,001 - $15,000
08/05/2026Rick Allenpurchase$1,001 - $15,000
31/03/2026Jared Moskowitzpurchase$1,001 - $15,000

Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 08/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.

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PEA and practical information

PEA eligibility
no
head office outside the EU and EEA
Listing exchange
NYSE
IPO: 01/06/1972
ISIN code
US0258161092
Workforce
75,100
full-time employees
Chief executive
Stephen Joseph Squeri
Next earnings
29/01/2027

Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.

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Frequently asked questions about American Express Company

What is the American Express Company share price?

Latest recorded price: 320.99 USD on 06/11/2026, for a market cap of 215 bn USD.

What is the revenue of American Express Company?

80.5 bn USD for fiscal year 2025, with net income of 10.8 bn USD (net margin 13.5 %).

Does American Express Company pay a dividend?

Yes. Latest dividend: 0.950 USD per share, ex-dividend on 09/10/2026. Over 12 months: 3.67 USD. Yield on the latest known price: 0.9 %.

When does American Express Company report its next earnings?

The next release is expected on 29/01/2027. EPS expected by analysts: 4.30.

What do analysts say about American Express Company?

Out of 57 analysts: 23 buy or strong buy, 30 hold, 4 sell or strong sell. Average price target: 357.64 USD, i.e. +12.1 % from the share price.

What is the P/E ratio of American Express Company?

Trailing 12-month P/E of 18.9, against 18.3 for the sector median on the same exchange (10-year median: 18.3).

Is American Express Company stock eligible for the French PEA?

No: the company is headquartered outside the European Union and the European Economic Area (ISIN US0258161092).

How many employees does American Express Company have?

75,100 full-time employees according to the latest published profile.

Who runs American Express Company?

Stephen Joseph Squeri is the company's chief executive.

Which large funds own American Express Company?

As of 2026Q2, among the large funds tracked: Berkshire Hathaway, State Street, Vanguard Group, BlackRock, JPMorgan Chase.

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