AXP Stock Analysis: American Express | NYSE
Credit Services | NYSE, USA | Market Cap: 242.929m USD | 12M Return: 10.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 1.07B
EPS Trend: 96.1%
Qual. Beats: 1
Rev. Trend: 97.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
American Express Company is a global integrated payments company that issues credit and charge cards, provides merchant acquiring and processing services, and operates its own card network. Its business is organized into four segments: U.S. Consumer Services, Commercial Services, International Card Services, and Global Merchant and Network Services. Unlike open-loop networks, American Express functions as a closed-loop processor, meaning it both issues cards to consumers and directly processes transactions with merchants, allowing it to capture both cardholder and merchant-side economics.
The company serves consumers, small businesses, mid-sized companies, and large corporations, distributing its products through digital channels, in-house sales teams, direct mail, affiliate marketing, and third-party partners. Beyond core card products, it offers travel, dining, expense management, deposits, and non-card lending. Classified within the Financials sector and the Consumer Finance sub-industry, American Express was founded in 1850 and remains headquartered in New York, New York.
- Card member spending accelerates on resilient travel and dining demand
- Net interest income expands with sustained elevated interest rates
- Credit losses rise as consumer delinquencies trend higher in card portfolio
- Merchant discount revenue grows on global billed business expansion
| Net Income: 11.2b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 0.63 > 1.0 |
| NWC/Revenue: -125.1% < 20% (prev -144.9%; Δ 19.73% < -1%) |
| CFO/TA 0.06 > 3% & CFO 17.5b > Net Income 11.2b |
| Net Debt (6.40b) to EBITDA (18.9b): 0.34 < 3 |
| Current Ratio: 0.35 > 1.5 & < 3 |
| Outstanding Shares: last quarter (686.0m) vs 12m ago -2.28% < -2% |
| Gross Margin: 83.50% > 18% (prev 82.37%; Δ 1.13% > 0.5%) |
| Asset Turnover: 27.88% > 50% (prev 26.69%; Δ 1.19% > 0%) |
| Interest Coverage Ratio: 2.07 > 6 (EBIT TTM 17.1b / Interest Expense TTM 8.24b) |
| A: -0.33 (Total Current Assets 56.5b - Total Current Liabilities 160b) / Total Assets 309b |
| B: 0.08 (Retained Earnings 26.1b / Total Assets 309b) |
| C: 0.06 (EBIT TTM 17.1b / Avg Total Assets 296b) |
| D: 0.12 (Book Value of Equity 34.0b / Total Liabilities 275b) |
| Altman-Z'' = -1.40 = CCC |
As of July 10, 2026, the stock is trading at USD 346.72 with a total of 2,205,559 shares traded. Over the past week, the price has changed by -0.10%, over one month by +9.20%, over three months by +9.41% and over the past year by +10.42%.
Current recommended Stop Loss: 329.60 (which is 4.9% or 2 ATR below the current price).
American Express has received a consensus analysts rating of 3.53. Therefore, it is recommended to hold AXP.
- StrongBuy: 7
- Buy: 4
- Hold: 18
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 366.6 | 5.7% |
P/E Trailing = 22.238
P/E Forward = 20.1207
P/S = 3.5303
P/B = 7.0643
P/EG = 1.675
Revenue TTM = 82.4b USD
EBIT TTM = 17.1b USD
EBITDA TTM = 18.9b USD
Long Term Debt = 58.8b USD (from longTermDebt, last quarter)
Short Term Debt = 1.69b USD (from shortTermDebt, last quarter)
Debt = 60.4b USD (from shortLongTermDebtTotal, last quarter) + Leases 3.00m
Net Debt = 6.40b USD (calculated: Debt 60.4b - CCE 54.0b)
Enterprise Value = 249b USD (243b + Debt 60.4b - CCE 54.0b)
Interest Coverage Ratio = 2.07 (Ebit TTM 17.1b / Interest Expense TTM 8.24b)
EV/FCF = 17.41x (Enterprise Value 249b / FCF TTM 14.3b)
FCF Yield = 5.75% (FCF TTM 14.3b / Enterprise Value 249b)
FCF Margin = 17.38% (FCF TTM 14.3b / Revenue TTM 82.4b)
Net Margin = 13.61% (Net Income TTM 11.2b / Revenue TTM 82.4b)
Gross Margin = 83.50% ((Revenue TTM 82.4b - Cost of Revenue TTM 13.6b) / Revenue TTM)
Gross Margin QoQ = 84.56% (prev 83.49%)
Tobins Q-Ratio = 0.81 (Enterprise Value 249b / Total Assets 309b)
Interest Expense / Debt = 13.63% (Interest Expense 8.24b / Debt 60.4b)
Taxrate = 21.22% (3.02b / 14.2b)
NOPAT = 13.4b (EBIT 17.1b * (1 - 21.22%))
Current Ratio = 0.35 (Total Current Assets 56.5b / Total Current Liabilities 160b)
Debt / Equity = 1.78 (Debt 60.4b / totalStockholderEquity, last quarter 34.0b)
Debt / EBITDA = 0.34 (Net Debt 6.40b / EBITDA 18.9b)
Debt / FCF = 0.45 (Net Debt 6.40b / FCF TTM 14.3b)
Total Stockholder Equity = 33.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.80% (Net Income 11.2b / Total Assets 309b)
RoE = 33.95% (Net Income TTM 11.2b / Total Stockholder Equity 33.0b)
RoCE = 18.59% (EBIT 17.1b / Capital Employed (Equity 33.0b + L.T.Debt 58.8b))
RoIC = 9.15% (NOPAT 13.4b / Invested Capital 147b)
WACC = 10.53% (E(243b)/V(303b) * Re(10.48%) + D(60.4b)/V(303b) * Rd(13.63%) * (1-Tc(0.21)))
Discount Rate = 10.48% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -100.00 | Cagr: -2.49%
[DCF] Terminal Value 71.25% ; FCFF base≈13.1b ; Y1≈15.0b ; Y5≈22.1b
[DCF] Fair Price = 342.8 (EV 240b - Net Debt 6.40b = Equity 234b / Shares 682.3m; r=10.53% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 96.13 | EPS CAGR: 17.79% | SUE: 1.02 | # QB: 1
Revenue Correlation: 97.92 | Revenue CAGR: 10.80% | SUE: 0.81 | # QB: 0
EPS current Quarter (2026-06-30): EPS=4.41 | Chg30d=+0.32% | Revisions=-18% | Analysts=24
EPS next Quarter (2026-09-30): EPS=4.69 | Chg30d=+1.07% | Revisions=-30% | Analysts=23
EPS current Year (2026-12-31): EPS=17.70 | Chg30d=+0.27% | Revisions=+0% | GrowthEPS=+15.1% | GrowthRev=+10.0%
EPS next Year (2027-12-31): EPS=20.14 | Chg30d=+0.10% | Revisions=+0% | GrowthEPS=+13.8% | GrowthRev=+8.8%
[Analyst] Revisions Ratio: -15% (up=13, down=18)