(AXP) American Express - Overview
Sector: Financial Services | Industry: Credit Services | Exchange: NYSE (USA) | Market Cap: 217.203m USD | Total Return: 28.3% in 12m
Cards, Payments, Loans, Merchant Services, Network
Total Rating 40
Safety 27
Buy Signal -0.21
Credit Services
Industry Rotation: -6.8
Industry Rotation: -6.8
Market Cap:
217B
Avg Turnover: 930M USD
Avg Turnover: 930M USD
ATR:
2.70%
Peers RS (IBD): 48.3
Peers RS (IBD): 48.3
Risk 5d forecast
Volatility25.8%
Rel. Tail Risk-6.12%
Reward TTM
Sharpe Ratio0.67
Alpha-13.55
Character TTM
Beta1.352
Beta Downside1.608
Drawdowns 3y
Max DD28.76%
CAGR/Max DD0.91
EPS (Earnings per Share)
EPS CAGR: 7.09%
EPS Trend: 80.5%
EPS Trend: 80.5%
Last SUE: -0.16
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 16.85%
Rev. Trend: 95.5%
Rev. Trend: 95.5%
Last SUE: 2.28
Qual. Beats: 1
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: AXP American Express
American Express (AXP) operates an integrated payments platform across four segments-U.S. Consumer Services, Commercial Services, International Card Services, and Global Merchant & Network Services-serving individuals, small-business owners, midsize firms, and large corporations through cards, financing, merchant processing, and a suite of travel, dining, and expense-management solutions.
In FY 2023 the company generated $58 billion in revenue, up 5% year-over-year, with net income of $7.5 billion and diluted EPS of $5.75. Card volume rose 8% YoY to $1.3 trillion, driven by a resurgence in travel and dining spend, while net interest income climbed 12% as higher interest rates lifted credit-card yields. The consumer-finance sector remains sensitive to discretionary spending trends and the competitive pressure from fintech players expanding digital-only card offerings.
For a deeper dive into AXP’s valuation metrics and scenario analysis, you might explore ValueRay’s research tools.
- Consumer spending trends impact card transaction volumes
- Interest rate changes affect net interest income
- Competition from other payment networks pressures market share
- Regulatory scrutiny on interchange fees poses risk
- Travel and entertainment spending drives premium card usage
Piotroski VR‑10 (Strict)
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 (15.57b): 0.65 < 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 8.24k% > 0.5%) |
| Asset Turnover: 28.16% > 50% (prev 27.33%; Δ 0.82% > 0%) |
| Interest Coverage Ratio: 1.68 > 6 (EBITDA TTM 15.57b / Interest Expense TTM 8.23b) |
Altman Z''
-1.98
| 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: 0.05 (EBIT TTM 13.79b / Avg Total Assets 285.76b) |
| D: 0.08 (Book Value of Equity 22.35b / Total Liabilities 266.58b) |
| Altman-Z'' Score: -1.98 = 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?
As of April 12, 2026, the stock is trading at USD 313.50 with a total of 1,990,450 shares traded.
Over the past week, the price has changed by +2.54%, over one month by +3.74%, over three months by -12.54% and over the past year by +28.31%.
Over the past week, the price has changed by +2.54%, over one month by +3.74%, over three months by -12.54% and over the past year by +28.31%.
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.
- StrongBuy: 7
- Buy: 4
- Hold: 18
- Sell: 0
- StrongSell: 1
What are the forecasts/targets for the AXP price?
| Analysts Target Price | 359.6 | 14.7% |
American Express (AXP) - Fundamental Data Overview
as of 10 April 2026
P/E Trailing = 19.9584 P/E Forward = 17.1233
P/S = 3.2431
P/B = 6.1498
P/EG = 1.5431
Revenue TTM = 80.46b USD
EBIT TTM = 13.79b USD
EBITDA TTM = 15.57b 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 = 231.47b USD (217.20b + Debt 57.76b - CCE 43.49b)
Interest Coverage Ratio = 1.68 (Ebit TTM 13.79b / Interest Expense TTM 8.23b)
EV/FCF = 14.46x (Enterprise Value 231.47b / FCF TTM 16.00b)
FCF Yield = 6.91% (FCF TTM 16.00b / Enterprise Value 231.47b)
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 = 0.77 (Enterprise Value 231.47b / Total Assets 300.05b)
Interest Expense / Debt = 3.57% (Interest Expense 2.06b / Debt 57.76b)
Taxrate = 20.32% (628.0m / 3.09b)
NOPAT = 10.99b (EBIT 13.79b * (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 = 0.65 (Net Debt 10.05b / EBITDA 15.57b)
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 = 15.55% (EBIT 13.79b / Capital Employed (Equity 32.35b + L.T.Debt 56.39b))
RoIC = 12.25% (NOPAT 10.99b / Invested Capital 89.72b)
WACC = 9.08% (E(217.20b)/V(274.96b) * Re(10.74%) + D(57.76b)/V(274.96b) * 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] Terminal Value 74.57% ; FCFF base≈14.46b ; Y1≈14.45b ; Y5≈15.31b
[DCF] Fair Price = 313.7 (EV 225.15b - Net Debt 10.05b = Equity 215.10b / Shares 685.8m; r=9.08% [WACC]; 5y FCF grow -0.66% → 3.0% )
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 (2026-06-30): EPS=4.45 | Chg7d=-0.010 | Chg30d=-0.015 | Revisions Net=-4 | Analysts=21
EPS current Year (2026-12-31): EPS=17.57 | Chg7d=-0.006 | Chg30d=+0.004 | Revisions Net=+1 | Growth EPS=+14.3% | Growth Revenue=+9.1%
EPS next Year (2027-12-31): EPS=20.13 | Chg7d=+0.001 | Chg30d=-0.000 | Revisions Net=-1 | Growth EPS=+14.5% | Growth Revenue=+9.3%
[Analyst] Revisions Ratio: -1.00 (0 Up / 4 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 5.7% (Discount Rate 10.7% - Earnings Yield 5.0%)
[Growth] Growth Spread = +4.0% (Analyst 9.7% - Implied 5.7%)
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