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AXP

NYSE · USD

American Express Company

Financial Services · Financial - Credit Services

CEO Stephen Joseph Squeri Employees 76,800 R&D / revenue 0.0%

Live stock page Read the factsheet

Last price

$313.59−0.09%last session

Market cap

$211.8B

P/E (TTM)

19.0x

From 52w high

−19.1%

From 52w low

+7.8%

1-year return

−2.9%

RSI 14 · vs SMA200

52.4 · −4.6%

IS score

56.0/ 100

Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.

Download full factsheet (PDF)

One year, rebased to 100

AXP SPY XLF (sector ETF) · weekly closes

Score DNA

Each bar is a 0-100 score within the scored universe

Profitability

Growth

Value

Momentum

100

Risk (safety)

Quality

Balance sheet

Earnings quality

Flags

Strengths

✓ Piotroski 8+✓ Congress buying

Warnings

None of the computed warning flags fires for AXP (Altman, Beneish, accruals, FCF, dilution).

Observations

Moat model: Wide, Efficient ScalePiotroski 9 / 9Beta 1.053 of 4 smart-money sources active

Smart-money strip

Each disclosure source on its own window. Filings coinciding is not coordination.

INSForm 4 · 180 days

Insider open-market buys

2 open-market sales, $5.4M

Form 144 notices (12m): 12, $59.9M proposed, not confirmed sales

CONGSTOCK Act · 180 days

Congressional purchases

Last disclosed purchase 2026-09-15

Members disclose in ranges, 30-45 days after the trade

13F13F · quarter to 2026-06-30

Net change in institutional holders

+114

262 new holders, 115 closed

3,025 filers hold 85.7% · 1,217 added, 1,068 trimmed

ETFETF holdings · 30 days

Net funds accumulating

+106

1,395 funds adding shares

1,289 funds trimming · counts of funds, not dollars

DARKFINRA · daily

Short-sale share of off-exchange volume

31.2%

20-day avg 46.2%, 50-day avg 45.5%

Latest 15.0 pp under its 20-day average · a flow, not short interest

Key financials · FY2025

USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.

Income statement

Revenue$80.5B

Revenue growth YoY+8.4%

Gross margin83.2%

Operating income$13.8B

Operating margin17.1%

Net income$10.8B

Net margin13.5%

EPS (diluted)$15.38

Cash flow

Operating cash flow$18.4B

Capital expenditure$2.4B

Free cash flow$16.0B

FCF conversion (FCF / OCF)86.8%

Stock-based compensation$551.0M

FCF less SBC$15.5B

Buybacks$5.8B

Dividends$2.3B

Balance sheet & returns

Cash & short-term investments$48.5B

Total debt$57.8B

Net debt$9.2B

Shareholders' equity$33.5B

Goodwill & intangibles$5.0B

Debt / equity1.72

ROE (TTM)34.1%

ROIC (TTM)13.0%

Operating margin by fiscal year

Revenue $44.4B (FY2021) to $80.5B (FY2025), a 16.0% CAGR.

Valuation

P/E (TTM)19.0x

EV / EBITDA9.1x

Price / sales2.52x

Price / FCF14.1x

FCF yield7.11%

Buyback yield2.75%

SBC / revenue0.7%

Price / book6.20x

Forward P/E FY202617.7x

Forward P/E FY202715.6x

Forward P/E FY202813.6x

Forward multiples divide today's price by Street EPS estimates. Street mean target $361.80 across 10 analysts last quarter is theirs, not ours.

AXP vs industry median

165 companies in Financial - Credit Services

AXP (TTM)Industry median Asset turnover 0.27 vs industry 0.20 · financial leverage 8.99

Earnings delivery

Next report 2026-10-23 · consensus EPS $4.58

83%

beat rate, 10 of 12 quarters

+4.9%

median EPS surprise

longest beat streak

EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2023-10-20 to 2026-07-24. Bars cap at ±60%.

Peers

Market-cap band, not the industry cohort above

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	12m return
AXP American Express Company	$211.8B	19.0x	34.1%	13.6%	+8.4%	−2.9%
COF Capital One Financial Corpor	$123.8B	12.5x	9.4%	15.2%	+36.7%	−0.3%
MA Mastercard Incorporated	$540.9B	33.9x	241.1%	47.3%	+16.0%	+12.3%
V Visa Inc.	$751.7B	34.2x	61.2%	48.4%	+14.4%	+20.3%
PYPL PayPal Holdings, Inc.	$48.5B	10.6x	24.5%	12.7%	+5.7%	−14.0%
SYF Synchrony Financial	$24.0B	7.5x	20.8%	18.9%	−2.4%	—
GPN Global Payments Inc.	$22.1B	n/m	-4.2%	-0.3%	+14.8%	—
AFRM Affirm Holdings, Inc.	$22.0B	13.0x	45.1%	—	+29.8%	—

12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.

Recent 8-K filings

2026-10-15Regulation FD

2026-10-08Regulation FD

2026-09-15Regulation FD

2026-08-17Regulation FD

2026-08-12Bylaws Amendment; Other Events; Exhibits

2026-08-05Other Events

Context

Shares outstanding675,310,000

Free float99.9%

Institutional ownership85.7%

Beta1.05

Dividend yield1.17%

Last dividend$0.95 on 2026-10-09

50 / 200-day average$322.00 / $329.04

Mega-cap Financial Services median P/E14.6x

Full factsheet

The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (Wide).

Read it in the browser Download (PDF)

All fundamentals · 140 measures in 13 categories

Percentile = where AXP sits among 43 scored companies in Financial - Credit Services (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.

Valuation Profitability (TTM)Returns on capital Growth Margin history & stability Liquidity (latest quarter)Leverage & solvency (latest quarter)Efficiency Cash flow & earnings quality Dividends & buybacks Scores & forensic checks Per share Size (TTM)

Valuation

Measure	AXP	Industry median	Industry percentile	Sector median
P/E (TTM)	18.5x	9.3x	76th	11.9x
PEG (P/E ÷ 3-yr EPS CAGR)	0.98	0.76	68th	1.04
Price / sales	2.5x	1.3x	86th	2.5x
Price / book	6.2x	1.8x	93rd	1.3x
Price / tangible book	6.7x	2.1x	92nd	1.6x
Price / free cash flow	n/a
Price / operating cash flow	n/a
Enterprise value	n/a
EV / sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / free cash flow	n/a
Earnings yield	5.4%	8.8%	38th	7.9%
FCF yield	n/a
Operating cash flow yield	n/a
Graham number (per share)	$138.58	$72.38	82nd	$50.71

Profitability (TTM)

Measure	AXP	Industry median	Industry percentile	Sector median
Gross margin	n/a
EBITDA margin	n/a
Operating margin	27.2%	19.2%	67th	23.3%
EBIT margin	27.2%	18.7%	76th	23.3%
Net margin	13.6%	11.4%	62nd	18.7%
NOPAT margin	21.1%	15.9%	62nd	18.7%
FCF margin	n/a
Operating cash flow margin	n/a
R&D / revenue	0.0%	0.0%	0th	0.0%
SG&A / revenue	29.8%	14.4%	74th	20.1%
Stock comp / revenue	0.7%	0.9%	43rd	0.7%
Effective tax rate	22.5%	21.9%	57th	21.0%

Returns on capital

Measure	AXP	Industry median	Industry percentile	Sector median
ROE (on average equity)	34.4%	19.9%	81st	11.9%
ROA	3.8%	2.8%	64th	1.4%
ROIC	n/a
ROCE	n/a
Return on tangible assets	7.6%	5.3%	67th	2.0%
Cash ROIC (OCF / invested capital)	n/a
Gross profitability (GP / assets)	n/a
ROIC, 3-yr average	n/a
ROIC, 5-yr average	n/a
ROE, 5-yr average	31.7%	13.3%	92nd	10.7%
Incremental ROIC	n/a

Growth

Measure	AXP	Industry median	Industry percentile	Sector median
Revenue growth (TTM YoY)	9.4%	11.1%	44th	7.1%
Revenue growth (QoQ)	3.4%	1.3%	64th	2.8%
Revenue CAGR, 3 yr	10.7%	8.1%	54th	10.8%
Revenue CAGR, 5 yr	16.2%	9.1%	66th	11.3%
Gross profit CAGR, 3 yr	n/a
Operating income CAGR, 3 yr	35.3%	24.6%	78th	8.8%
Net income growth (TTM YoY)	12.8%	22.5%	33rd	24.7%
Net income CAGR, 3 yr	15.4%	12.8%	58th	9.4%
EPS growth (TTM YoY)	16.3%	25.3%	33rd	25.1%
EPS CAGR, 3 yr	18.9%	14.1%	58th	7.3%
EPS CAGR, 5 yr	14.0%	-0.2%	85th	4.2%
FCF growth (TTM YoY)	n/a
FCF CAGR, 3 yr	n/a
Operating cash flow CAGR, 3 yr	n/a
Book value CAGR, 3 yr	11.9%	8.1%	64th	8.9%
Dividend CAGR, 3 yr	7.5%	4.2%	83rd	1.9%
Sustainable growth rate	27.1%	17.0%	76th	8.3%

Margin history & stability

Measure	AXP	Industry median	Industry percentile	Sector median
Gross margin, 3-yr average	n/a
Operating margin, 3-yr average	20.5%	18.8%	59th	21.4%
Net margin, 3-yr average	13.5%	10.3%	59th	16.5%
FCF margin, 3-yr average	n/a
Revenue stability (0-1)	0.98	0.86	82nd	0.86
Earnings stability (0-1)	0.91	0.37	74th	0.37
Margin stability (0-1)	0.92	0.83	90th	0.81

Liquidity (latest quarter)

Measure	AXP	Industry median	Industry percentile	Sector median
Cash & short-term investments	n/a
Net cash (− = net debt)	n/a
Working capital	n/a
Current ratio	n/a
Quick ratio	n/a
Cash ratio (cash + ST investments / current liabilities)	n/a
Defensive interval (days)	n/a

Leverage & solvency (latest quarter)

Measure	AXP	Industry median	Industry percentile	Sector median
Total debt	n/a
Debt / equity	n/a
Net debt / equity	n/a
Debt / assets	n/a
Debt / capital	n/a
Debt / EBITDA	n/a
Net debt / EBITDA	n/a
Interest coverage (EBIT / interest)	n/a
Cash interest coverage	n/a
Debt payback (years of OCF)	n/a
Liabilities / assets	88.9%	82.2%	71st	86.2%
IS credit model rating	AA	—		—
Implied credit spread (bps)	80	125	17th	175

Efficiency

Measure	AXP	Industry median	Industry percentile	Sector median
Asset turnover	n/a
Fixed asset turnover	n/a
Inventory turnover	n/a
Receivables turnover	n/a
Days sales outstanding	n/a
Days inventory outstanding	n/a
Days payables outstanding	n/a
Cash conversion cycle (days)	n/a
Capex / revenue	n/a
Capex / depreciation	n/a
Operating expense ratio	n/a

Cash flow & earnings quality

Measure	AXP	Industry median	Industry percentile	Sector median
Operating cash flow / net income	n/a
FCF / net income	n/a
FCF / operating cash flow	n/a
Capex / operating cash flow	n/a
Accruals ratio	n/a
Sloan accruals ratio	n/a
Earnings quality score (0-1)	n/a

Dividends & buybacks

Measure	AXP	Industry median	Industry percentile	Sector median
Dividend yield	1.2%	0.7%	62nd	2.3%
Dividend per share (TTM)	$3.67	$0.52	93rd	$1.03
Payout ratio (dividends / net income)	21.1%	7.9%	68th	30.0%
Dividends / FCF	n/a
Dividend growth (YoY)	17.1%	1.9%	88th	6.4%
Buyback yield	3.5%	2.1%	60th	1.7%
Shareholder yield (dividends + buybacks)	4.7%	3.5%	57th	5.2%
Share count change (YoY)	-3.0%	-1.5%	38th	-0.3%
Buybacks, last 5 years	$31.3B	$315.0M	98th	$85.3M

Scores & forensic checks

Measure	AXP	Industry median	Industry percentile	Sector median
IS score	56	52	55th	53
IS profitability	75	52	81st	59
IS growth	58	60	41st	57
IS value	50	69	31st	77
IS momentum	83	77	59th	76
IS risk (safety)	100	100	45th	65
IS quality	80	58	90th	71
IS balance sheet	50	42	62nd	51
IS earnings quality	70	70	57th	74
IS cash flow	74	74	50th	71
Piotroski F-score (0-9)	9	7	95th	6
Altman Z-score	—
Beneish M-score	—
Ohlson O-score	−7.37	−6.41	24th	−6.00
IS credit score	89	80	83rd	68

Per share

Measure	AXP	Industry median	Industry percentile	Sector median
EPS, diluted (TTM)	$16.88	$5.48	88th	$3.36
Book value per share	$50.56	$26.27	73rd	$28.13
Tangible book per share	$50.56	$14.55	81st	$21.49
Revenue per share	$124.00	$45.33	88th	$17.62
FCF per share	n/a
Operating cash flow per share	n/a
Cash per share	n/a

Size (TTM)

Measure	AXP	Industry median	Industry percentile	Sector median
Market cap	$211.8B	$3.9B	95th	$2.5B
Revenue	$84.1B	$2.5B	100th	$1.0B
EBITDA	$24.7B	$710.6M	98th	$269.3M
Net income	$11.4B	$181.7M	95th	$168.0M
Free cash flow	n/a
Total assets	$308.2B	$8.6B	95th	$8.5B
Shareholders' equity	$34.3B	$1.9B	93rd	$1.5B
Employees	76,800	2,358	98th	1,392

Insider transactions, last 6 months

Form 4 · most recent 12

Date	Insider	Type	Shares	Price	Value	Owned after
2026-09-30	Wardell Lisa W Director	Award / grant	120	—	—	10,575
2026-09-30	Wallace Noel R. Director	Award / grant	116	—	—	1,091
2026-09-30	Phillips Jr Charles E Director	Award / grant	60	—	—	10,591
2026-09-30	Majoras Deborah P Director	Award / grant	58	—	—	5,199
2026-09-30	Brennan John Joseph Director	Award / grant	212	—	—	29,784
2026-09-30	Baltimore Thomas J Jr Director	Award / grant	116	—	—	10,529
2026-09-30	Angelakis Michael J Director	Award / grant	58	—	—	1,971
2026-09-30	Young Christopher David Director	Award / grant	128	—	—	21,179
2026-08-18	Herena Monique Chief Colleague Exp. Officer	Open-market sale	8,811	$337.41	$3.0M	12,445
2026-06-30	Majoras Deborah P Director	Award / grant	54	—	—	5,126
2026-06-30	Brennan John Joseph Director	Award / grant	198	—	—	29,489
2026-06-30	Baltimore Thomas J Jr Director	Award / grant	109	—	—	10,384

Shares acquired vs disposed, by month

acquired disposed · all Form 4 types

By transaction type, 6 months

Type	Direction	Filings	Shares	Value
Award / grant	Acquired	28	10,586	—
Open-market sale	Disposed	2	15,844	$5.4M

Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.

Form 144 notices

12 months: 12 notices · 169,661 shares · $59.9M

Filed	Filer	Shares proposed	Est. proceeds
2026-06-15	Glenda Mcneal	7,033	$2.4M
2026-03-06	Jessica Lieberm Quinn	3,032	$909,673
2026-02-19	Raymond D Joabar	14,000	$4.8M
2026-02-12	Howard M Grosfield	8,134	$2.8M

A Form 144 is notice of a proposed sale, not a confirmed one.

Congress trades

12 months: House 26 trades (12 purchases) · Senate 4 (4 purchases)

Traded	Member	Chamber	Type	Amount	Disclosed
2026-09-15	Ro Khanna	House	Purchase	$1,001 - $15,000	2026-10-09
2026-09-15	Ro Khanna	House	Purchase	$1,001 - $15,000	2026-10-09
2026-05-08	Richard W. Allen	House	Purchase	$1,001 - $15,000	2026-06-17
2026-05-08	Rick Allen	House	Purchase	$1,001 - $15,000	2026-06-17
2026-03-11	Shelley Moore Capito	Senate	Purchase	$1,001 - $15,000	2026-04-05
2026-03-11	Shelley Moore Capito	Senate	Purchase	$1,001 - $15,000	2026-04-05
2025-12-29	Markwayne Mullin	Senate	Purchase	$1,001 - $15,000	2026-01-16
2025-12-29	Markwayne Mullin	Senate	Purchase	$1,001 - $15,000	2026-01-15

STOCK Act disclosures, in ranges, filed up to 45 days after the trade.

Largest 13F holders

Quarter to 2026-06-30, the latest most managers have filed

Manager	Shares	Value	% of shares out
BlackRock, Inc.	42,006,392	$14.2B	6.22%
VANGUARD CAPITAL MANAGEMENT LLC	35,215,521	$11.9B	5.21%
STATE STREET CORP	29,095,803	$9.8B	4.31%
JPMORGAN CHASE & CO	17,680,962	$6.0B	2.62%
GEODE CAPITAL MANAGEMENT, LLC	14,019,549	$4.7B	2.08%
Fisher Asset Management, LLC	9,426,671	$3.2B	1.40%
VANGUARD PORTFOLIO MANAGEMENT LLC	8,739,519	$3.0B	1.29%
NORGES BANK	7,985,867	$2.7B	1.18%
BANK OF AMERICA CORP /DE/	7,969,555	$2.7B	1.18%
PRICE T ROWE ASSOCIATES INC /MD/	7,005,840	$2.4B	1.04%
FMR LLC	6,007,554	$2.0B	0.89%
WELLS FARGO & COMPANY/MN	5,963,599	$2.0B	0.88%
GOLDMAN SACHS GROUP INC	5,120,864	$1.7B	0.76%
Artisan Partners Limited Partnership	4,521,044	$1.5B	0.67%
MASSACHUSETTS FINANCIAL SERVICES CO /MA/	4,467,904	$1.5B	0.66%

Institutional ownership by quarter

% of shares held by 13F filers

Number of 13F filers holding

Holder changes by quarter

Quarter	Holders	Ownership	New	Increased	Reduced	Closed
2026-06-30	3,025	85.7%	262	1,217	1,068	115
2026-03-31	2,911	85.3%	193	1,080	1,223	285
2025-12-31	3,046	86.5%	432	1,062	1,128	82
2025-09-30	2,756	85.9%	183	1,020	1,042	104
2025-06-30	2,719	87.8%	244	1,056	965	111
2025-03-31	2,625	88.2%	184	956	1,050	156
2024-12-31	2,641	88.2%	337	855	1,029	104
2024-09-30	2,457	87.0%	230	881	900	99
2024-06-30	2,352	89.1%	174	830	926	104
2024-03-31	2,319	89.9%	247	767	901	95
2023-12-31	2,196	90.3%	336	718	811	109
2023-09-30	2,008	90.3%	149	747	745	161

Schedule 13D / 13G filers

Filed	Form	Filer	% of class	Shares
2026-03-26	SCHEDULE 13G/A	The Vanguard Group	0.0%	0

Required above 5% of a class; 13G is the passive form.

ETFs with the largest holding

ETF	Weight in fund	Holding value
VITSX	0.21%	$4.9B
VSMPX	0.21%	$4.9B
VTI	0.21%	$4.9B
VTSAX	0.21%	$4.9B
VFIAX	0.24%	$4.2B
VFINX	0.24%	$4.2B

Share structure

Shares outstanding675,310,000

Float674,499,628

Free float99.9%

Income statement

Fiscal years, USD

	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$44.4B	$55.6B	$67.4B	$74.2B	$80.5B
Cost of revenue	−$136.0M	$4.9B	$11.8B	$13.4B	$13.5B
Gross profit	$44.6B	$50.7B	$55.6B	$60.8B	$67.0B
R&D	$0	$0	$0	$0	$0
SG&A	$11.5B	$12.7B	$13.3B	$14.2B	$15.3B
Operating income	$10.7B	$9.6B	$10.5B	$12.9B	$13.8B
EBITDA	$12.4B	$11.2B	$12.2B	$14.6B	$15.6B
Pretax income	$10.7B	$9.6B	$10.5B	$12.9B	$13.8B
Income tax	$2.6B	$2.1B	$2.1B	$2.8B	$3.0B
Net income	$8.1B	$7.5B	$8.4B	$10.1B	$10.8B
EPS, diluted	$10.02	$9.84	$11.21	$14.02	$15.38
Diluted shares	790.0M	752.0M	736.0M	713.0M	696.0M

Balance sheet

	FY2021	FY2022	FY2023	FY2024	FY2025
Cash & short-term investments	$24.5B	$38.4B	$48.6B	$41.5B	$48.5B
Receivables	$2.7B	$0	$0	$59.2B	$0
Inventory	$0	$0	$0	$0	$0
Total current assets	$27.2B	$38.4B	$48.6B	$41.5B	$48.5B
PP&E, net	$5.0B	$5.2B	$5.9B	$6.2B	$7.1B
Goodwill & intangibles	$4.0B	$3.9B	$3.9B	$4.3B	$5.0B
Total assets	$188.5B	$228.4B	$261.1B	$271.5B	$300.1B
Accounts payable	$10.6B	$12.1B	$13.1B	$13.9B	$14.7B
Total current liabilities	$99.0B	$125.8B	$145.6B	$156.8B	$170.8B
Long-term debt	$38.7B	$42.6B	$47.9B	$49.7B	$56.4B
Total liabilities	$166.4B	$203.6B	$233.1B	$241.2B	$266.6B
Shareholders' equity	$22.2B	$24.7B	$28.1B	$30.3B	$33.5B

Cash flow statement

Outflows are negative

	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	$8.1B	$7.5B	$8.4B	$10.1B	$10.8B
Depreciation & amortization	$1.7B	$1.6B	$1.7B	$1.7B	$1.8B
Stock-based compensation	$330.0M	$375.0M	$450.0M	$504.0M	$551.0M
Change in working capital	$6.5B	$10.2B	$3.8B	−$1.9B	$864.0M
Operating cash flow	$14.6B	$21.1B	$18.6B	$14.1B	$18.4B
Capital expenditure	−$1.6B	−$1.9B	−$1.6B	−$1.9B	−$2.4B
Free cash flow	$13.1B	$19.2B	$17.0B	$12.1B	$16.0B
Investing cash flow	−$10.5B	−$33.7B	−$24.4B	−$24.4B	−$22.9B
Net debt issued / repaid	−$3.4B	$3.6B	$4.9B	$2.0B	$6.2B
Buybacks	−$9.3B	−$3.5B	−$3.6B	−$6.0B	−$5.8B
Dividends paid	−$1.4B	−$1.6B	−$1.8B	−$2.0B	−$2.3B

Ratio history

Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end

	FY2021	FY2022	FY2023	FY2024	FY2025
Gross margin	100.3%	91.1%	82.5%	81.9%	83.2%
Operating margin	24.1%	17.3%	15.6%	17.4%	17.1%
Net margin	18.1%	13.6%	12.4%	13.7%	13.5%
FCF margin	29.5%	34.7%	25.2%	16.4%	19.9%
ROE	35.7%	32.1%	31.7%	34.7%	34.0%
ROIC	20.9%	24.8%	29.3%	25.4%	25.4%
ROA	4.2%	3.6%	3.4%	3.8%	3.8%
Debt / equity	1.85	1.78	1.75	1.69	1.73
Interest coverage	8.3x	3.5x	1.5x	1.6x	1.7x
Current ratio	0.27	0.31	0.33	0.26	0.28
Revenue growth	+16.1%	+24.5%	+21.8%	+10.2%	+8.4%
EPS growth	+169.5%	−3.9%	+14.5%	+24.7%	+9.4%
P/E at year end	14.8x	14.1x	15.9x	20.4x	23.4x
EV / EBITDA at year end	11.0x	10.0x	11.0x	14.8x	16.9x
FCF yield at year end	10.94%	18.10%	12.78%	5.87%	6.30%
Dividend payout	18.0%	20.8%	21.3%	19.7%	21.0%

Revenue by segment

	FY2021	FY2022	FY2023	FY2024	FY2025
Global Consumer Services Group	$24.8B	$23.9B	$28.1B	$31.4B	$34.8B
Global Commercial Services	$12.5B	$13.6B	$14.8B	$15.9B	$16.9B
International Card Services	—	$9.1B	$10.4B	$11.5B	$13.0B
Global Merchant and Network Services	$5.1B	$6.5B	$7.4B	$7.5B	$7.8B

Revenue by region · FY2025

United States Geographic Region$56.0B · 78%

EMEA Geographic Region$7.1B · 10%

JAPA Geographic Region$5.2B · 7%

LACC Geographic Region$4.2B · 6%

Other Unallocated−$271.0M · -0%

Street estimates by fiscal year

Next report 2026-10-23 · consensus EPS $4.58 · these are analysts' numbers, not ours

Fiscal year	Revenue (mean)	Revenue range	EPS (mean)	EPS range	Analysts	P/E on mean EPS
2026	$79.5B	$79.2B – $79.7B	$17.68	$17.43 – $18.13	22	17.7x
2027	$86.6B	$84.6B – $87.2B	$20.10	$19.90 – $20.39	22	15.6x
2028	$93.8B	$89.9B – $95.6B	$23.04	$21.42 – $24.15	16	13.6x

Reported vs expected, every quarter on file

Reported	EPS expected	EPS actual	EPS surprise	Revenue expected	Revenue actual	Revenue surprise
2026-07-24	$4.41	$4.53	+2.7%	$19.7B	$19.6B	−0.3%
2026-04-23	$4.00	$4.28	+7.0%	$18.6B	$18.9B	+1.6%
2026-01-30	$3.54	$3.53	−0.3%	$18.9B	$19.0B	+0.3%
2025-10-17	$4.00	$4.14	+3.5%	$18.0B	$18.4B	+2.1%
2025-07-18	$3.89	$4.08	+4.9%	$17.7B	$17.9B	+0.8%
2025-04-17	$3.47	$3.64	+4.9%	$16.9B	$17.0B	+0.1%
2025-01-24	$3.00	$3.04	+1.3%	$17.2B	$17.2B	+0.1%
2024-10-18	$3.28	$3.49	+6.4%	$16.7B	$16.6B	−0.3%
2024-07-19	$3.24	$3.49	+7.7%	$16.6B	$16.3B	−1.6%
2024-04-19	$2.96	$3.33	+12.5%	$15.8B	$15.8B	+0.1%
2024-01-26	$2.64	$2.62	−0.8%	$16.0B	$15.8B	−1.3%
2023-10-20	$2.94	$3.30	+12.2%	$15.1B	$15.4B	+1.9%
2023-07-21	$2.81	$2.89	+2.8%	$15.5B	$15.1B	−2.7%
2023-04-20	$2.66	$2.40	−9.8%	$14.0B	$14.3B	+1.8%
2023-01-27	$2.22	$2.07	−6.8%	$14.2B	$13.9B	−2.0%
2022-10-21	$2.41	$2.47	+2.5%	$13.5B	$13.5B	−0.0%
2022-07-22	$2.41	$2.57	+6.6%	$12.5B	$13.4B	+7.0%
2022-04-22	$2.44	$2.73	+11.9%	$11.6B	$11.7B	+0.9%
2022-01-25	$1.87	$2.18	+16.6%	$11.6B	$12.1B	+4.2%
2021-10-22	$1.80	$2.27	+26.1%	$10.6B	$11.1B	+4.8%
2021-07-23	$1.67	$2.80	+67.7%	$7.6B	$10.5B	+38.0%
2021-04-23	$1.61	$2.74	+70.2%	$7.0B	$9.4B	+35.6%
2021-01-26	$1.31	$1.76	+34.4%	$8.9B	$9.4B	+5.0%
2020-10-23	$1.35	$1.30	−3.7%	$9.2B	$9.3B	+1.2%

Off-exchange (dark pool) volume, weekly

FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)

Week of	Notional	Shares	Trades
2026-08-31	$830.0M	2,524,931	96,392
2026-08-24	$791.7M	2,356,218	81,955
2026-08-17	$1.2B	3,616,602	95,965
2026-08-10	$683.5M	2,002,296	73,168
2026-08-03	$934.1M	2,705,713	97,456
2026-07-27	$1.4B	4,105,928	116,470

Short-sale share of off-exchange volume

daily 20-day average

Date	Short share	Short volume	Total volume
2026-10-15	31.2%	402,589	1,290,860
2026-10-14	38.3%	431,519	1,127,648
2026-10-13	60.9%	636,582	1,045,927
2026-10-12	47.9%	376,963	786,218
2026-10-09	49.3%	553,678	1,122,305
2026-10-08	43.1%	564,532	1,308,811
2026-10-07	45.9%	473,615	1,032,783
2026-10-06	49.4%	365,463	739,384
2026-10-05	47.9%	484,493	1,011,680
2026-10-02	49.4%	469,177	950,300

A daily flow measure from FINRA, not short interest.

Seasonality

Average return by calendar month

Month	Avg return	Up years	Years
Jan	−0.7%	55%	20
Feb	−1.2%	50%	20
Mar	+1.0%	57%	21
Apr	+7.5%	75%	20
May	+0.9%	60%	20
Jun	−0.9%	45%	20
Jul	+1.0%	40%	20
Aug	+1.8%	60%	20
Sep	−0.8%	50%	20
Oct	+1.5%	65%	20
Nov	+3.8%	75%	20
Dec	−0.3%	55%	20

History, not a forecast.

Indicators

as of 2026-10-16

RSI 1452.4

MFI52.8

ADX24.6

Stochastic %K / %D75.9 / 76.2

Williams %R-26.5

CCI177

TSI / signal-13.9 / -24.7

Chaikin money flow0.13

ATR$5.85

Bollinger width5.2%

Volume vs 20-day avg0.68x

SupertrendDown

Moving averages and bands

level (price vs level)

SMA 20$306.52 (+2.3%)

SMA 50$321.22 (−2.4%)

SMA 200$328.59 (−4.6%)

EMA 21$310.35 (+1.0%)

EMA 50$317.74 (−1.3%)

EMA 200$325.65 (−3.7%)

Bollinger upper$314.52 (−0.3%)

Bollinger lower$298.52 (+5.0%)

Parabolic SAR$304.90 (+2.9%)

Open the live chart, 110+ indicators

About American Express Company

Operating globally, American Express Company and its affiliated entities deliver a comprehensive suite of charge and credit payment card solutions, alongside a variety of travel-related offerings. Its business structure is organized into three primary divisions: the Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. Among its core offerings are diverse payment and financing instruments, robust network infrastructure services, tools for managing accounts payable expenses, and comprehensive travel and lifestyle support. Furthermore, it facilitates merchant services such as acquisition, transaction processing, settlement, and point-of-sale marketing, providing vital information and assistance to businesses. The company also specializes in fraud mitigation and developing and managing customer loyalty initiatives. These products and services are made available to a broad clientele, encompassing individual consumers, small and mid-sized enterprises, and large corporate entities. Distribution channels include digital platforms (mobile and online applications), collaborations with third-party vendors and partners, direct communication methods like mail and telephone, dedicated internal sales forces, and direct response advertising campaigns. Established in 1850, American Express Company maintains its corporate headquarters in New York, New York.

https://www.americanexpress.com

Key executives

Name	Title	Pay	Born
Stephen Joseph Squeri	Chairman & Chief Executive Officer	$17.3M	1960
Ravikumar Radhakrishnan	Executive Vice President & Chief Information Officer	$7.4M	1972
Christophe Le Caillec	Chief Financial Officer	$7.0M	1966
Howard Martin Grosfield	Group President of US Consumer Services	$7.0M	1969
Raymond Donald Joabar	Group President of Global Commercial Services	$6.4M	1966
Laureen E. Seeger	Chief Legal Officer	$6.2M	1962
Glenda G. McNeal	Chief Partner Officer	—	1961
Kartik Ramachandran	Senior Vice President & Head of Investor Relations	—	—

Executive pay, latest proxy

Executive	Year	Salary	Stock awards	Incentive	Total
S.J. Squeri Chairman and CEO	2025	$1.7M	$23.5M	$0	$46.2M
D.E. Buckminster Former Vice Chairman	2025	$1.1M	$6.1M	$0	$15.6M
C.Y. Le Caillec Chief Financial Officer	2025	$933,333	$5.0M	$0	$13.1M
H.M. Grosfield President, U.S. Consumer Services	2025	$933,333	$5.0M	$0	$13.1M
R.D. Joabar Group President, Global Commercial Services	2025	$943,750	$5.0M	$0	$12.6M

Employees

Dividends

Ex-date	Amount	Paid
2026-10-09	$0.95	2026-11-10
2026-07-02	$0.95	2026-08-10
2026-04-02	$0.95	2026-05-08
2026-01-02	$0.82	2026-02-10
2025-10-10	$0.82	2025-11-10
2025-07-03	$0.82	2025-08-08
2025-04-04	$0.82	2025-05-09
2025-01-03	$0.7	2025-02-10

Moat model

Wide · Efficient Scale · 2026-06-30

Cost advantage61

Intangibles65

Switching costs67

Network effect80

Efficient scale95

Our component scores (0-100) and overall 71.5; a model of the business, not a call on the stock.

InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17

AXP

One year, rebased to 100

Score DNA

Flags

Smart-money strip

Key financials · FY2025

Valuation

AXP vs industry median

Earnings delivery

Peers

Recent 8-K filings

Context

Full factsheet

All fundamentals · 140 measures in 13 categories

Valuation

Profitability (TTM)

Returns on capital

Growth

Margin history & stability

Liquidity (latest quarter)

Leverage & solvency (latest quarter)

Efficiency

Cash flow & earnings quality

Dividends & buybacks

Scores & forensic checks

Per share

Size (TTM)

Insider transactions, last 6 months

Shares acquired vs disposed, by month

By transaction type, 6 months

Form 144 notices

Congress trades

Largest 13F holders

Institutional ownership by quarter

Holder changes by quarter

Schedule 13D / 13G filers

ETFs with the largest holding

Share structure

Income statement

Balance sheet

Cash flow statement

Ratio history

Revenue by segment

Revenue by region · FY2025

Street estimates by fiscal year

Reported vs expected, every quarter on file

Off-exchange (dark pool) volume, weekly

Short-sale share of off-exchange volume

Seasonality

Indicators

Moving averages and bands

About American Express Company

Key executives

Executive pay, latest proxy

Employees

Dividends

Moat model

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