(AXP) American Express - Ratings and Ratios
Credit Cards, Charge Cards, Banking, Travel Services, Merchant Processing
AXP EPS (Earnings per Share)
AXP Revenue
Description: AXP American Express September 24, 2025
American Express (AXP) operates as an integrated payments network across North America, Europe, the Middle East & Africa, Asia-Pacific, Latin America and the Caribbean, serving consumers, small-business owners, mid-size firms and large enterprises through four reporting segments: U.S. Consumer Services, Commercial Services, International Card Services, and Global Merchant & Network Services.
The firm’s product suite includes credit and charge cards, consumer- and business-focused financing, expense-management software, travel-and-lifestyle services, and a suite of merchant solutions such as acquisition, processing, point-of-sale marketing, fraud prevention and loyalty-program design. In addition, American Express owns and operates airport lounge facilities worldwide.
Distribution is omnichannel: customers can enroll via mobile and web apps, affiliate and referral programs, third-party partners, direct mail, call-center agents, in-house sales teams and targeted advertising. This multi-prong approach reinforces brand loyalty while expanding the company’s reach into high-margin segments.
Key recent metrics (FY 2023): total revenue $57.1 billion (+6% YoY), net income $12.5 billion, and total payment volume (TPV) $1.34 trillion, growing ~8% driven largely by higher consumer spend and a rebound in travel. Charge-off rates remained low at 2.1% despite a tightening credit environment, reflecting the strength of AXP’s affluent cardholder base. The company’s earnings are sensitive to discretionary spending trends, interest-rate movements (which affect net interest income), and the broader shift toward digital, cash-less payments that is accelerating competition from fintech platforms.
For a deeper dive into AXP’s valuation metrics and scenario analysis, you may find the ValueRay platform useful.
AXP Stock Overview
| Market Cap in USD | 247,215m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 1972-06-01 |
AXP Stock Ratings
| Growth Rating | 82.2% |
| Fundamental | 82.6% |
| Dividend Rating | 64.8% |
| Return 12m vs S&P 500 | 11.4% |
| Analyst Rating | 3.53 of 5 |
AXP Dividends
| Dividend Yield 12m | 0.88% |
| Yield on Cost 5y | 3.60% |
| Annual Growth 5y | 11.93% |
| Payout Consistency | 95.5% |
| Payout Ratio | 21.2% |
AXP Growth Ratios
| Growth Correlation 3m | 82.8% |
| Growth Correlation 12m | 57.1% |
| Growth Correlation 5y | 82.3% |
| CAGR 5y | 37.69% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.31 |
| CAGR/Mean DD 3y (Pain Ratio) | 6.35 |
| Sharpe Ratio 12m | 0.39 |
| Alpha | 11.91 |
| Beta | 1.294 |
| Volatility | 23.39% |
| Current Volume | 1567.8k |
| Average Volume 20d | 2184.3k |
| Stop Loss | 349.9 (-3%) |
| Signal | 0.31 |
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income (10.54b TTM) > 0 and > 6% of Revenue (6% = 4.72b TTM) |
| FCFTA 0.06 (>2.0%) and ΔFCFTA 1.50pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -141.6% (prev -139.4%; Δ -2.17pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.07 (>3.0%) and CFO 21.14b > Net Income 10.54b (YES >=105%, WARN >=100%) |
| Net Debt (5.80b) to EBITDA (15.21b) ratio: 0.38 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.33 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (693.0m) change vs 12m ago -2.26% (target <= -2.0% for YES) |
| Gross Margin 83.03% (prev 81.45%; Δ 1.58pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 27.66% (prev 26.84%; Δ 0.83pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.64 (EBITDA TTM 15.21b / Interest Expense TTM 8.21b) >= 6 (WARN >= 3) |
Altman Z'' -1.78
| (A) -0.37 = (Total Current Assets 54.71b - Total Current Liabilities 166.04b) / Total Assets 297.55b |
| (B) 0.08 = Retained Earnings (Balance) 24.47b / Total Assets 297.55b |
| (C) 0.05 = EBIT TTM 13.46b / Avg Total Assets 284.26b |
| (D) 0.08 = Book Value of Equity 21.36b / Total Liabilities 265.13b |
| Total Rating: -1.78 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 82.55
| 1. Piotroski 7.0pt = 2.0 |
| 2. FCF Yield 7.52% = 3.76 |
| 3. FCF Margin 24.08% = 6.02 |
| 4. Debt/Equity 1.83 = 1.03 |
| 5. Debt/Ebitda 0.38 = 2.39 |
| 6. ROIC - WACC (= 2.68)% = 3.35 |
| 7. RoE 33.41% = 2.50 |
| 8. Rev. Trend 95.03% = 7.13 |
| 9. EPS Trend 87.43% = 4.37 |
What is the price of AXP shares?
Over the past week, the price has changed by -0.26%, over one month by +9.43%, over three months by +21.12% and over the past year by +34.95%.
Is American Express a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AXP is around 416.95 USD . This means that AXP is currently undervalued and has a potential upside of +15.59% (Margin of Safety).
Is AXP a buy, sell or hold?
- Strong Buy: 7
- Buy: 4
- Hold: 18
- Sell: 0
- Strong Sell: 1
What are the forecasts/targets for the AXP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 349.4 | -3.1% |
| Analysts Target Price | 349.4 | -3.1% |
| ValueRay Target Price | 467.9 | 29.7% |
AXP Fundamental Data Overview November 01, 2025
P/E Trailing = 24.1021
P/E Forward = 18.8324
P/S = 3.7862
P/B = 7.1176
P/EG = 1.9199
Beta = 1.294
Revenue TTM = 78.64b USD
EBIT TTM = 13.46b USD
EBITDA TTM = 15.21b USD
Long Term Debt = 49.72b USD (from longTermDebt, last fiscal year)
Short Term Debt = 1.45b USD (from shortTermDebt, last quarter)
Debt = 59.23b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 5.80b USD (from netDebt column, last quarter)
Enterprise Value = 251.74b USD (247.22b + Debt 59.23b - CCE 54.71b)
Interest Coverage Ratio = 1.64 (Ebit TTM 13.46b / Interest Expense TTM 8.21b)
FCF Yield = 7.52% (FCF TTM 18.94b / Enterprise Value 251.74b)
FCF Margin = 24.08% (FCF TTM 18.94b / Revenue TTM 78.64b)
Net Margin = 13.40% (Net Income TTM 10.54b / Revenue TTM 78.64b)
Gross Margin = 83.03% ((Revenue TTM 78.64b - Cost of Revenue TTM 13.35b) / Revenue TTM)
Gross Margin QoQ = 83.37% (prev 82.53%)
Tobins Q-Ratio = 0.85 (Enterprise Value 251.74b / Total Assets 297.55b)
Interest Expense / Debt = 3.60% (Interest Expense 2.13b / Debt 59.23b)
Taxrate = 24.13% (923.0m / 3.83b)
NOPAT = 10.21b (EBIT 13.46b * (1 - 24.13%))
Current Ratio = 0.33 (Total Current Assets 54.71b / Total Current Liabilities 166.04b)
Debt / Equity = 1.83 (Debt 59.23b / totalStockholderEquity, last quarter 32.42b)
Debt / EBITDA = 0.38 (Net Debt 5.80b / EBITDA 15.21b)
Debt / FCF = 0.31 (Net Debt 5.80b / FCF TTM 18.94b)
Total Stockholder Equity = 31.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.54% (Net Income 10.54b / Total Assets 297.55b)
RoE = 33.41% (Net Income TTM 10.54b / Total Stockholder Equity 31.55b)
RoCE = 16.56% (EBIT 13.46b / Capital Employed (Equity 31.55b + L.T.Debt 49.72b))
RoIC = 11.91% (NOPAT 10.21b / Invested Capital 85.79b)
WACC = 9.22% (E(247.22b)/V(306.45b) * Re(10.78%) + D(59.23b)/V(306.45b) * Rd(3.60%) * (1-Tc(0.24)))
Discount Rate = 10.78% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.30%
[DCF Debug] Terminal Value 68.94% ; FCFE base≈16.64b ; Y1≈16.65b ; Y5≈17.68b
Fair Price DCF = 295.4 (DCF Value 203.49b / Shares Outstanding 688.9m; 5y FCF grow -0.54% → 3.0% )
EPS Correlation: 87.43 | EPS CAGR: 28.67% | SUE: 1.12 | # QB: 2
Revenue Correlation: 95.03 | Revenue CAGR: 14.47% | SUE: 0.68 | # QB: 0
Additional Sources for AXP Stock
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Fund Manager Positions: Dataroma | Stockcircle