(AXP) American Express - Overview
Stock: Credit Card, Charge Card, Banking, Travel Services, Merchant Processing
| Risk 5d forecast | |
|---|---|
| Volatility | 31.1% |
| Relative Tail Risk | -4.75% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.42 |
| Alpha | -4.96 |
| Character TTM | |
|---|---|
| Beta | 1.310 |
| Beta Downside | 1.319 |
| Drawdowns 3y | |
|---|---|
| Max DD | 28.76% |
| CAGR/Max DD | 0.91 |
EPS (Earnings per Share)
Revenue
Description: AXP American Express January 26, 2026
American Express (AXP) operates as an integrated payments network across the U.S., Europe, the Middle East & Africa, Asia-Pacific, Latin America, Canada and the Caribbean, serving consumers, small-business owners and large corporations through four segments: U.S. Consumer Services, Commercial Services, International Card Services, and Global Merchant & Network Services. Its portfolio spans credit and charge cards, banking and financing products, expense-management tools, travel-and-lifestyle services, merchant acquisition/processing, fraud prevention, loyalty-program design, and airport-lounge access, delivered via digital channels, affiliate partners and direct sales.
Key recent metrics underscore the company’s positioning: • FY 2025 net income rose 12% YoY to $9.4 billion, driven by a 9% increase in total transaction volume amid higher consumer spending on travel and dining. • The U.S. Consumer Services segment posted a 7% rise in card-member spend per capita, reflecting strong demand for premium rewards in a low-unemployment environment. • Global Merchant & Network Services saw a 5% boost in merchant acquisition fees as e-commerce penetration in emerging markets accelerates, while average transaction size grew 3% year-over-year. • The credit-card portfolio’s net interest margin expanded 15 basis points as the Federal Reserve’s policy rate held near 5.25%, supporting higher yield on loan balances.
For a deeper, data-driven dive into AXP’s valuation dynamics, you might explore the latest analyst models on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 10.83b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 0.86 > 1.0 |
| NWC/Revenue: -152.0% < 20% (prev -155.4%; Δ 3.41% < -1%) |
| CFO/TA 0.06 > 3% & CFO 18.43b > Net Income 10.83b |
| Net Debt (10.05b) to EBITDA (15.11b): 0.67 < 3 |
| Current Ratio: 0.28 > 1.5 & < 3 |
| Outstanding Shares: last quarter (688.0m) vs 12m ago -2.27% < -2% |
| Gross Margin: 83.23% > 18% (prev 0.82%; Δ 8242 % > 0.5%) |
| Asset Turnover: 28.16% > 50% (prev 27.33%; Δ 0.82% > 0%) |
| Interest Coverage Ratio: 1.30 > 6 (EBITDA TTM 15.11b / Interest Expense TTM 8.23b) |
Altman Z'' -2.06
| A: -0.41 (Total Current Assets 48.53b - Total Current Liabilities 170.81b) / Total Assets 300.05b |
| B: 0.08 (Retained Earnings 25.49b / Total Assets 300.05b) |
| C: 0.04 (EBIT TTM 10.71b / Avg Total Assets 285.76b) |
| D: 0.08 (Book Value of Equity 22.35b / Total Liabilities 266.58b) |
| Altman-Z'' Score: -2.06 = D |
Beneish M -1.17
| DSRI: 3.23 (Receivables 207.77b/59.24b, Revenue 80.46b/74.20b) |
| GMI: 0.98 (GM 83.23% / 81.89%) |
| AQI: 0.99 (AQ_t 0.81 / AQ_t-1 0.82) |
| SGI: 1.08 (Revenue 80.46b / 74.20b) |
| TATA: -0.03 (NI 10.83b - CFO 18.43b) / TA 300.05b) |
| Beneish M-Score: -1.17 (Cap -4..+1) = D |
What is the price of AXP shares?
Over the past week, the price has changed by -3.31%, over one month by -4.65%, over three months by -7.81% and over the past year by +13.10%.
Is AXP a buy, sell or hold?
- StrongBuy: 7
- Buy: 4
- Hold: 18
- Sell: 0
- StrongSell: 1
What are the forecasts/targets for the AXP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 374.8 | 9.3% |
| Analysts Target Price | 374.8 | 9.3% |
| ValueRay Target Price | 413.8 | 20.7% |
AXP Fundamental Data Overview February 12, 2026
P/E Forward = 20.2429
P/S = 3.6412
P/B = 7.2614
P/EG = 1.7902
Revenue TTM = 80.46b USD
EBIT TTM = 10.71b USD
EBITDA TTM = 15.11b USD
Long Term Debt = 56.39b USD (from longTermDebt, last quarter)
Short Term Debt = 1.37b USD (from shortTermDebt, last quarter)
Debt = 57.76b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 10.05b USD (from netDebt column, last quarter)
Enterprise Value = 253.09b USD (243.86b + Debt 57.76b - CCE 48.53b)
Interest Coverage Ratio = 1.30 (Ebit TTM 10.71b / Interest Expense TTM 8.23b)
EV/FCF = 15.81x (Enterprise Value 253.09b / FCF TTM 16.00b)
FCF Yield = 6.32% (FCF TTM 16.00b / Enterprise Value 253.09b)
FCF Margin = 19.89% (FCF TTM 16.00b / Revenue TTM 80.46b)
Net Margin = 13.46% (Net Income TTM 10.83b / Revenue TTM 80.46b)
Gross Margin = 83.23% ((Revenue TTM 80.46b - Cost of Revenue TTM 13.49b) / Revenue TTM)
Gross Margin QoQ = 83.49% (prev 83.37%)
Tobins Q-Ratio = 0.84 (Enterprise Value 253.09b / Total Assets 300.05b)
Interest Expense / Debt = 3.57% (Interest Expense 2.06b / Debt 57.76b)
Taxrate = 20.32% (628.0m / 3.09b)
NOPAT = 8.53b (EBIT 10.71b * (1 - 20.32%))
Current Ratio = 0.28 (Total Current Assets 48.53b / Total Current Liabilities 170.81b)
Debt / Equity = 1.73 (Debt 57.76b / totalStockholderEquity, last quarter 33.47b)
Debt / EBITDA = 0.67 (Net Debt 10.05b / EBITDA 15.11b)
Debt / FCF = 0.63 (Net Debt 10.05b / FCF TTM 16.00b)
Total Stockholder Equity = 32.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.79% (Net Income 10.83b / Total Assets 300.05b)
RoE = 33.49% (Net Income TTM 10.83b / Total Stockholder Equity 32.35b)
RoCE = 12.06% (EBIT 10.71b / Capital Employed (Equity 32.35b + L.T.Debt 56.39b))
RoIC = 9.51% (NOPAT 8.53b / Invested Capital 89.72b)
WACC = 9.23% (E(243.86b)/V(301.62b) * Re(10.74%) + D(57.76b)/V(301.62b) * Rd(3.57%) * (1-Tc(0.20)))
Discount Rate = 10.74% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.65%
[DCF Debug] Terminal Value 73.73% ; FCFF base≈14.46b ; Y1≈14.46b ; Y5≈15.32b
Fair Price DCF = 301.9 (EV 217.32b - Net Debt 10.05b = Equity 207.27b / Shares 686.6m; r=9.23% [WACC]; 5y FCF grow -0.54% → 2.90% )
EPS Correlation: 80.50 | EPS CAGR: 7.09% | SUE: -0.16 | # QB: 0
Revenue Correlation: 95.48 | Revenue CAGR: 16.85% | SUE: 2.28 | # QB: 1
EPS next Quarter (2026-03-31): EPS=3.99 | Chg30d=+0.009 | Revisions Net=-5 | Analysts=22
EPS current Year (2026-12-31): EPS=17.56 | Chg30d=+0.167 | Revisions Net=+10 | Growth EPS=+14.2% | Growth Revenue=+9.0%
EPS next Year (2027-12-31): EPS=20.07 | Chg30d=+0.143 | Revisions Net=+3 | Growth EPS=+14.3% | Growth Revenue=+9.2%