(AXP) American Express - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US0258161092

Credit Cards, Charge Cards, Banking, Payment Services, Travel

Stock: Consumer Finance
Age 53.6y

MCap 248,687m
Avg Vol 2.63M (988M USD)

Beta 1.315
Volatility 30.41%

EPS (Earnings per Share)

EPS CAGR: 18.65%
EPS Trend: 84.5%

Last SUE: 1.16
Qual. Beats: 2

Revenue

Rev. CAGR: 14.35%
Rev. Trend: 96.1%

Last SUE: 0.68
Qual. Beats: 0

Dividends

Dividend Yield	1.31%
Yield on Cost 5y	2.88%
Yield CAGR 5y	16.42%
Payout Consistency	95.9%
Payout Ratio	22.0%

Risk via 5d forecast
Volatility	30.4%
Value at Risk 5%th	47.5%
Relative Tail Risk	-5.10%

Reward TTM
Sharpe Ratio	0.48
Alpha	-2.23
CAGR/Max DD	1.22

Character TTM
Hurst Exponent	0.555
Beta	1.315
Beta Downside	1.328

Drawdowns 3y
Max DD	28.76%
Mean DD	5.93%
Median DD	3.89%

Description: AXP American Express December 01, 2025

American Express (AXP) is an integrated payments firm operating globally across four segments-U.S. Consumer Services, Commercial Services, International Card Services, and Global Merchant & Network Services-offering credit and charge cards, banking, expense-management tools, travel-lifestyle perks, and merchant-acquisition solutions.

Key operational highlights include a 2023 net revenue of roughly $57 billion, a fee-to-interest revenue mix of about 70 % (driven by its premium charge-card model), and a net interest margin that consistently outperforms the broader consumer-finance sector.

Macro-level drivers for AXP are discretionary-spending trends and travel demand; a 5 % rise in U.S. consumer travel expenditures typically lifts its “Travel & Lifestyle” fee revenue by an estimated 0.8 %-1 %.

For a deeper dive into AXP’s valuation metrics and scenario analysis, check out the ValueRay platform.

Piotroski VR‑10 (Strict, 0-10) 7.0

Net Income: 10.54b TTM > 0 and > 6% of Revenue
FCF/TA: 0.06 > 0.02 and ΔFCF/TA 1.50 > 1.0
NWC/Revenue: -141.6% < 20% (prev -139.4%; Δ -2.17% < -1%)
CFO/TA 0.07 > 3% & CFO 21.14b > Net Income 10.54b
Net Debt (5.80b) to EBITDA (15.21b): 0.38 < 3
Current Ratio: 0.33 > 1.5 & < 3
Outstanding Shares: last quarter (693.0m) vs 12m ago -2.26% < -2%
Gross Margin: 83.03% > 18% (prev 0.81%; Δ 8221 % > 0.5%)
Asset Turnover: 27.66% > 50% (prev 26.84%; Δ 0.83% > 0%)
Interest Coverage Ratio: 1.64 > 6 (EBITDA TTM 15.21b / Interest Expense TTM 8.21b)

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 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)
Altman-Z'' Score: -1.78= D

Beneish M -3.06

DSRI: 0.96 (Receivables 60.82b/58.89b, Revenue 78.64b/72.72b)
GMI: 0.98 (GM 83.03% / 81.45%)
AQI: 0.99 (AQ_t 0.80 / AQ_t-1 0.80)
SGI: 1.08 (Revenue 78.64b / 72.72b)
TATA: -0.04 (NI 10.54b - CFO 21.14b) / TA 297.55b)
Beneish M-Score: -3.06 = AA

ValueRay F-Score (Strict, 0-100) 82.15

1. Piotroski: 7.0pt
2. FCF Yield: 7.35%
3. FCF Margin: 24.08%
4. Debt/Equity: 1.83
5. Debt/Ebitda: 0.38
6. ROIC - WACC: 2.49%
7. RoE: 33.41%
8. Revenue Trend: 96.07%
9. EPS Trend: 84.48%

What is the price of AXP shares?

As of January 23, 2026, the stock is trading at USD 368.02 with a total of 2,628,368 shares traded.
Over the past week, the price has changed by +2.98%, over one month by -3.15%, over three months by +4.78% and over the past year by +15.42%.

Is AXP a buy, sell or hold?

American Express has received a consensus analysts rating of 3.53. Therefor, it is recommend to hold AXP.

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	374	1.6%
Analysts Target Price	374	1.6%
ValueRay Target Price	466.1	26.6%

AXP Fundamental Data Overview January 17, 2026

P/E Trailing = 23.9846
P/E Forward = 20.4499
P/S = 3.8087
P/B = 7.6129
P/EG = 1.8101
Revenue TTM = 78.64b USD
EBIT TTM = 13.46b USD
EBITDA TTM = 15.21b USD
Long Term Debt = 57.79b USD (from longTermDebt, last quarter)
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 = 257.72b USD (248.69b + Debt 59.23b - CCE 50.20b)
Interest Coverage Ratio = 1.64 (Ebit TTM 13.46b / Interest Expense TTM 8.21b)
EV/FCF = 13.61x (Enterprise Value 257.72b / FCF TTM 18.94b)
FCF Yield = 7.35% (FCF TTM 18.94b / Enterprise Value 257.72b)
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 = 0.87 (Enterprise Value 257.72b / 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 = 3.71% (Net Income 10.54b / Total Assets 297.55b)
RoE = 33.41% (Net Income TTM 10.54b / Total Stockholder Equity 31.55b)
RoCE = 15.07% (EBIT 13.46b / Capital Employed (Equity 31.55b + L.T.Debt 57.79b))
RoIC = 11.70% (NOPAT 10.21b / Invested Capital 87.25b)
WACC = 9.22% (E(248.69b)/V(307.92b) * Re(10.76%) + D(59.23b)/V(307.92b) * Rd(3.60%) * (1-Tc(0.24)))
Discount Rate = 10.76% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.30%
[DCF Debug] Terminal Value 73.77% ; FCFF base≈16.64b ; Y1≈16.65b ; Y5≈17.63b
Fair Price DCF = 355.5 (EV 250.67b - Net Debt 5.80b = Equity 244.87b / Shares 688.9m; r=9.22% [WACC]; 5y FCF grow -0.54% → 2.90% )
EPS Correlation: 84.48 | EPS CAGR: 18.65% | SUE: 1.16 | # QB: 2
Revenue Correlation: 96.07 | Revenue CAGR: 14.35% | SUE: 0.68 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.98 | Chg30d=-0.024 | Revisions Net=-5 | Analysts=16
EPS next Year (2026-12-31): EPS=17.39 | Chg30d=-0.080 | Revisions Net=-4 | Growth EPS=+12.8% | Growth Revenue=+9.0%

Additional Sources for AXP Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle