(AXP) American Express - Overview
Stock: Credit Card, Charge Card, Banking, Travel Services, Merchant Processing
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.08% |
| Yield on Cost 5y | 2.72% |
| Yield CAGR 5y | 16.42% |
| Payout Consistency | 95.9% |
| Payout Ratio | 22.0% |
| Risk 5d forecast | |
|---|---|
| Volatility | 26.2% |
| Relative Tail Risk | -5.17% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.38 |
| Alpha | -3.47 |
| Character TTM | |
|---|---|
| Beta | 1.308 |
| Beta Downside | 1.322 |
| Drawdowns 3y | |
|---|---|
| Max DD | 28.76% |
| CAGR/Max DD | 0.95 |
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) 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 (Cap -4..+1) = AA |
What is the price of AXP shares?
Over the past week, the price has changed by -1.08%, over one month by -6.63%, over three months by -2.84% and over the past year by +11.81%.
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 | 377.2 | 6.4% |
| Analysts Target Price | 377.2 | 6.4% |
| ValueRay Target Price | 429.4 | 21.1% |
AXP Fundamental Data Overview January 31, 2026
P/E Forward = 20.4499
P/S = 3.8208
P/B = 7.618
P/EG = 1.8113
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 = 258.51b USD (249.47b + Debt 59.23b - CCE 50.20b)
Interest Coverage Ratio = 1.64 (Ebit TTM 13.46b / Interest Expense TTM 8.21b)
EV/FCF = 13.65x (Enterprise Value 258.51b / FCF TTM 18.94b)
FCF Yield = 7.33% (FCF TTM 18.94b / Enterprise Value 258.51b)
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 258.51b / 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 = 9.19% (E(249.47b)/V(308.71b) * Re(10.73%) + D(59.23b)/V(308.71b) * Rd(3.60%) * (1-Tc(0.24)))
Discount Rate = 10.73% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.30%
[DCF Debug] Terminal Value 73.84% ; FCFF base≈16.64b ; Y1≈16.65b ; Y5≈17.63b
Fair Price DCF = 356.6 (EV 251.47b - Net Debt 5.80b = Equity 245.67b / Shares 688.9m; r=9.19% [WACC]; 5y FCF grow -0.54% → 2.90% )
EPS Correlation: 84.48 | EPS CAGR: 18.65% | SUE: 1.12 | # QB: 2
Revenue Correlation: 96.07 | Revenue CAGR: 14.35% | SUE: 0.68 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.99 | Chg30d=-0.022 | Revisions Net=-5 | Analysts=17
EPS next Year (2026-12-31): EPS=17.38 | Chg30d=-0.108 | Revisions Net=-2 | Growth EPS=+12.8% | Growth Revenue=+9.0%