(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
Dividends
| Dividend Yield | 0.85% |
| Yield on Cost 5y | 2.71% |
| Yield CAGR 5y | 11.93% |
| Payout Consistency | 92.8% |
| Payout Ratio | 21.2% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 26.5% |
| Value at Risk 5%th | 41.2% |
| Relative Tail Risk | -5.39% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.65 |
| Alpha | 4.06 |
| CAGR/Max DD | 1.18 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.444 |
| Beta | 1.319 |
| Beta Downside | 1.360 |
| Drawdowns 3y | |
|---|---|
| Max DD | 28.76% |
| Mean DD | 5.99% |
| Median DD | 4.15% |
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 (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) 81.86
| 1. Piotroski 7.0pt |
| 2. FCF Yield 7.09% |
| 3. FCF Margin 24.08% |
| 4. Debt/Equity 1.83 |
| 5. Debt/Ebitda 0.38 |
| 6. ROIC - WACC (= 2.36)% |
| 7. RoE 33.41% |
| 8. Rev. Trend 96.07% |
| 9. EPS Trend 84.48% |
What is the price of AXP shares?
As of December 09, 2025, the stock is trading at USD 362.28 with a total of 2,581,325 shares traded.
Over the past week, the price has changed by +2.79%, over one month by +0.49%, over three months by +14.10% and over the past year by +26.16%.
Over the past week, the price has changed by +2.79%, over one month by +0.49%, over three months by +14.10% and over the past year by +26.16%.
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 | 351.9 | -2.9% |
| Analysts Target Price | 351.9 | -2.9% |
| ValueRay Target Price | 474.7 | 31% |
AXP Fundamental Data Overview December 06, 2025
Market Cap USD = 258.28b (258.28b USD * 1.0 USD.USD)
P/E Trailing = 24.9597
P/E Forward = 21.0084
P/S = 3.9556
P/B = 7.8227
P/EG = 1.7797
Beta = 1.147
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 = 267.31b USD (258.28b + Debt 59.23b - CCE 50.20b)
Interest Coverage Ratio = 1.64 (Ebit TTM 13.46b / Interest Expense TTM 8.21b)
FCF Yield = 7.09% (FCF TTM 18.94b / Enterprise Value 267.31b)
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 = 0.90 (Enterprise Value 267.31b / 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 = 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 = 9.34% (E(258.28b)/V(317.51b) * Re(10.86%) + D(59.23b)/V(317.51b) * Rd(3.60%) * (1-Tc(0.24)))
Discount Rate = 10.86% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.30%
[DCF Debug] Terminal Value 68.68% ; FCFE base≈16.64b ; Y1≈16.65b ; Y5≈17.68b
Fair Price DCF = 292.4 (DCF Value 201.43b / Shares Outstanding 688.9m; 5y FCF grow -0.54% → 3.0% )
EPS Correlation: 84.48 | EPS CAGR: 18.65% | SUE: 1.11 | # QB: 2
Revenue Correlation: 96.07 | Revenue CAGR: 14.35% | SUE: 0.68 | # QB: 0
EPS next Quarter (2026-03-31): EPS=4.01 | Chg30d=-0.001 | Revisions Net=+0 | Analysts=18
EPS next Year (2026-12-31): EPS=17.47 | Chg30d=+0.040 | Revisions Net=+1 | Growth EPS=+13.0% | Growth Revenue=+8.9%
P/E Trailing = 24.9597
P/E Forward = 21.0084
P/S = 3.9556
P/B = 7.8227
P/EG = 1.7797
Beta = 1.147
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 = 267.31b USD (258.28b + Debt 59.23b - CCE 50.20b)
Interest Coverage Ratio = 1.64 (Ebit TTM 13.46b / Interest Expense TTM 8.21b)
FCF Yield = 7.09% (FCF TTM 18.94b / Enterprise Value 267.31b)
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 = 0.90 (Enterprise Value 267.31b / 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 = 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 = 9.34% (E(258.28b)/V(317.51b) * Re(10.86%) + D(59.23b)/V(317.51b) * Rd(3.60%) * (1-Tc(0.24)))
Discount Rate = 10.86% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.30%
[DCF Debug] Terminal Value 68.68% ; FCFE base≈16.64b ; Y1≈16.65b ; Y5≈17.68b
Fair Price DCF = 292.4 (DCF Value 201.43b / Shares Outstanding 688.9m; 5y FCF grow -0.54% → 3.0% )
EPS Correlation: 84.48 | EPS CAGR: 18.65% | SUE: 1.11 | # QB: 2
Revenue Correlation: 96.07 | Revenue CAGR: 14.35% | SUE: 0.68 | # QB: 0
EPS next Quarter (2026-03-31): EPS=4.01 | Chg30d=-0.001 | Revisions Net=+0 | Analysts=18
EPS next Year (2026-12-31): EPS=17.47 | Chg30d=+0.040 | Revisions Net=+1 | Growth EPS=+13.0% | Growth Revenue=+8.9%
Additional Sources for AXP Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle