(AXP) American Express - Ratings and Ratios
Credit Card, Charge Card, Banking, Payment Products, Expense Management
AXP EPS (Earnings per Share)
AXP Revenue
Description: AXP American Express
American Express Company is a multifaceted payments company operating globally, with a presence in various regions including the United States, Europe, and Asia Pacific. The company operates through four key segments: U.S. Consumer Services, Commercial Services, International Card Services, and Global Merchant and Network Services, offering a diverse range of products and services including credit cards, charge cards, banking, and financing products.
The companys product portfolio is complemented by network services, expense management solutions, and travel and lifestyle services. American Express also provides value-added services to merchants, including acquisition and processing, servicing and settlement, and point-of-sale marketing. Additionally, the company operates airport lounges and offers software solutions for company expense management. With a long history dating back to 1850, American Express has established itself as a major player in the consumer finance sector.
From a performance perspective, key metrics such as Return on Equity (RoE) of 34.05% indicate a strong ability to generate profits from shareholder equity. The companys market capitalization stands at approximately $227.86 billion, with a forward Price-to-Earnings (P/E) ratio of 20.96, suggesting a relatively stable valuation. To further analyze the companys potential, we can examine additional KPIs such as revenue growth, net interest margin, and charge-off rates, which can provide insights into its financial health and operational efficiency.
Some other relevant KPIs for American Express include its card member growth rate, average spend per card, and reward expenses as a percentage of revenue. These metrics can help investors understand the companys ability to attract and retain customers, drive spending, and manage its rewards programs. Furthermore, analyzing the companys capital allocation strategies, such as its dividend payout ratio and share repurchase activity, can provide insights into its commitment to returning value to shareholders.
AXP Stock Overview
| Market Cap in USD | 214,450m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 1972-06-01 |
AXP Stock Ratings
| Growth Rating | 77.2% |
| Fundamental | 72.3% |
| Dividend Rating | 63.3% |
| Return 12m vs S&P 500 | 9.25% |
| Analyst Rating | 3.53 of 5 |
AXP Dividends
| Dividend Yield 12m | 0.98% |
| Yield on Cost 5y | 3.19% |
| Annual Growth 5y | 9.44% |
| Payout Consistency | 95.5% |
| Payout Ratio | 21.3% |
AXP Growth Ratios
| Growth Correlation 3m | 33.8% |
| Growth Correlation 12m | 47.3% |
| Growth Correlation 5y | 82.3% |
| CAGR 5y | 28.10% |
| CAGR/Max DD 5y | 0.89 |
| Sharpe Ratio 12m | 0.40 |
| Alpha | 9.09 |
| Beta | 1.275 |
| Volatility | 22.96% |
| Current Volume | 2192.9k |
| Average Volume 20d | 2192.9k |
| Stop Loss | 317.1 (-3%) |
| Signal | 1.71 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (10.15b TTM) > 0 and > 6% of Revenue (6% = 4.61b TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA -4.81pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -138.1% (prev -133.4%; Δ -4.71pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 13.09b > Net Income 10.15b (YES >=105%, WARN >=100%) |
| Net Debt (1.86b) to EBITDA (14.56b) ratio: 0.13 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.36 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (699.0m) change vs 12m ago -2.51% (target <= -2.0% for YES) |
| Gross Margin 82.53% (prev 81.69%; Δ 0.84pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 27.08% (prev 26.13%; Δ 0.95pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.56 (EBITDA TTM 14.56b / Interest Expense TTM 8.22b) >= 6 (WARN >= 3) |
Altman Z'' -1.70
| (A) -0.36 = (Total Current Assets 58.82b - Total Current Liabilities 165.00b) / Total Assets 295.56b |
| (B) 0.08 = Retained Earnings (Balance) 24.37b / Total Assets 295.56b |
| (C) 0.05 = EBIT TTM 12.84b / Avg Total Assets 283.89b |
| (D) 0.08 = Book Value of Equity 21.26b / Total Liabilities 263.25b |
| Total Rating: -1.70 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 72.29
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 5.05% = 2.53 |
| 3. FCF Margin 14.43% = 3.61 |
| 4. Debt/Equity 1.85 = 1.00 |
| 5. Debt/Ebitda 4.10 = -2.50 |
| 6. ROIC - WACC 2.82% = 3.53 |
| 7. RoE 32.87% = 2.50 |
| 8. Rev. Trend 94.34% = 4.72 |
| 9. Rev. CAGR 15.05% = 1.88 |
| 10. EPS Trend 81.75% = 2.04 |
| 11. EPS CAGR 19.85% = 1.98 |
What is the price of AXP shares?
Over the past week, the price has changed by +6.11%, over one month by +5.23%, over three months by +11.75% and over the past year by +28.57%.
Is American Express a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AXP is around 356.71 USD . This means that AXP is currently overvalued and has a potential downside of 9.09%.
Is AXP a buy, sell or hold?
- 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 | 323.1 | -1.2% |
| Analysts Target Price | 289.8 | -11.4% |
| ValueRay Target Price | 399.4 | 22.1% |
Last update: 2025-08-23 05:00
AXP Fundamental Data Overview
CCE Cash And Equivalents = 54.62b USD (last quarter)
P/E Trailing = 21.626
P/E Forward = 20.3666
P/S = 3.3806
P/B = 6.642
P/EG = 2.0789
Beta = 1.283
Revenue TTM = 76.86b USD
EBIT TTM = 12.84b USD
EBITDA TTM = 14.56b USD
Long Term Debt = 58.20b USD (from longTermDebt, last quarter)
Short Term Debt = 1.49b USD (from shortTermDebt, last quarter)
Debt = 59.70b USD (Calculated: Short Term 1.49b + Long Term 58.20b)
Net Debt = 1.86b USD (from netDebt column, last quarter)
Enterprise Value = 219.52b USD (214.45b + Debt 59.70b - CCE 54.62b)
Interest Coverage Ratio = 1.56 (Ebit TTM 12.84b / Interest Expense TTM 8.22b)
FCF Yield = 5.05% (FCF TTM 11.10b / Enterprise Value 219.52b)
FCF Margin = 14.43% (FCF TTM 11.10b / Revenue TTM 76.86b)
Net Margin = 13.20% (Net Income TTM 10.15b / Revenue TTM 76.86b)
Gross Margin = 82.53% ((Revenue TTM 76.86b - Cost of Revenue TTM 13.43b) / Revenue TTM)
Tobins Q-Ratio = 10.33 (Enterprise Value 219.52b / Book Value Of Equity 21.26b)
Interest Expense / Debt = 3.48% (Interest Expense 2.08b / Debt 59.70b)
Taxrate = 21.45% (from yearly Income Tax Expense: 2.77b / 12.89b)
NOPAT = 10.09b (EBIT 12.84b * (1 - 21.45%))
Current Ratio = 0.36 (Total Current Assets 58.82b / Total Current Liabilities 165.00b)
Debt / Equity = 1.85 (Debt 59.70b / last Quarter total Stockholder Equity 32.31b)
Debt / EBITDA = 4.10 (Net Debt 1.86b / EBITDA 14.56b)
Debt / FCF = 5.38 (Debt 59.70b / FCF TTM 11.10b)
Total Stockholder Equity = 30.87b (last 4 quarters mean)
RoA = 3.43% (Net Income 10.15b, Total Assets 295.56b )
RoE = 32.87% (Net Income TTM 10.15b / Total Stockholder Equity 30.87b)
RoCE = 14.42% (Ebit 12.84b / (Equity 30.87b + L.T.Debt 58.20b))
RoIC = 11.79% (NOPAT 10.09b / Invested Capital 85.52b)
WACC = 8.97% (E(214.45b)/V(274.14b) * Re(10.71%)) + (D(59.70b)/V(274.14b) * Rd(3.48%) * (1-Tc(0.21)))
Shares Correlation 5-Years: -100.0 | Cagr: -2.36%
Discount Rate = 10.71% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 69.16% ; FCFE base≈15.98b ; Y1≈15.99b ; Y5≈16.97b
Fair Price DCF = 283.3 (DCF Value 197.14b / Shares Outstanding 695.9m; 5y FCF grow -0.54% → 3.0% )
Revenue Correlation: 94.34 | Revenue CAGR: 15.05%
Rev Growth-of-Growth: -9.72
EPS Correlation: 81.75 | EPS CAGR: 19.85%
EPS Growth-of-Growth: -17.55
Additional Sources for AXP Stock
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Fund Manager Positions: Dataroma | Stockcircle