AXP Stock Analysis: American Express | NYSE
Credit Services | NYSE, USA | Market Cap: 206.017m USD | 12M Return: -8.2% | US0258161092 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 900M
EPS Trend: 96.5%
Qual. Beats: 0
Rev. Trend: 99.2%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
American Express Company is a global integrated payments company that issues credit and charge cards, provides merchant acquiring and processing services, and operates its own card network. Its business is organized into four segments: U.S. Consumer Services, Commercial Services, International Card Services, and Global Merchant and Network Services. Unlike open-loop networks, American Express functions as a closed-loop processor, meaning it both issues cards to consumers and directly processes transactions with merchants, allowing it to capture both cardholder and merchant-side economics.
The company serves consumers, small businesses, mid-sized companies, and large corporations, distributing its products through digital channels, in-house sales teams, direct mail, affiliate marketing, and third-party partners. Beyond core card products, it offers travel, dining, expense management, deposits, and non-card lending. Classified within the Financials sector and the Consumer Finance sub-industry, American Express was founded in 1850 and remains headquartered in New York, New York.
- Card member spending accelerates on resilient travel and dining demand
- Net interest income expands with sustained elevated interest rates
- Credit losses rise as consumer delinquencies trend higher in card portfolio
- Merchant discount revenue grows on global billed business expansion
| Net Income: 11.4b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 1.13 > 1.0 |
| NWC/Revenue: 114.4% < 20% (prev -138.1%; Δ 252.5% < -1%) |
| CFO/TA 0.06 > 3% & CFO 18.5b > Net Income 11.4b |
| Net Debt (13.5b) to EBITDA (24.7b): 0.55 < 3 |
| Current Ratio: 1.55 > 1.5 & < 3 |
| Outstanding Shares: last quarter (678.0m) vs 12m ago -3.00% < -2% |
| Gross Margin: 84.35% > 18% (prev 82.53%; Δ 1.82% > 0.5%) |
| Asset Turnover: 27.85% > 50% (prev 26.01%; Δ 1.84% > 0%) |
| Interest Coverage Ratio: 2.81 > 6 (EBIT TTM 22.9b / Interest Expense TTM 8.12b) |
| A: 0.31 (Total Current Assets 271b - Total Current Liabilities 174b) / Total Assets 308b |
| B: 0.09 (Retained Earnings 26.4b / Total Assets 308b) |
| C: 0.08 (EBIT TTM 22.9b / Avg Total Assets 302b) |
| D: 0.13 (Book Value of Equity 34.3b / Total Liabilities 274b) |
| Altman-Z'' = 2.97 = A |
| DSRI: 3.0 (Receivables 223b/59.4b, Revenue 84.1b/76.9b) |
| GMI: 0.98 (GM 82.53% / 84.35%) |
| AQI: 0.12 (AQ_t 0.10 / AQ_t-1 0.78) |
| SGI: 1.09 (Revenue 84.1b / 76.9b) |
| TATA: -0.02 (NI 11.4b - CFO 18.5b) / TA 308b) |
| Beneish M = -1.85 (Cap -4..+1) = B |
As of September 27, 2026, the stock is trading at USD 308.89 with a total of 2,959,147 shares traded. Over the past week, the price has changed by -0.86%, over one month by -8.05%, over three months by -9.56% and over the past year by -8.23%.
Current recommended Stop Loss: 300.50 (which is 2.7% or 1.3 ATR below the current price).
American Express has received a consensus analysts rating of 3.53. Therefore, it is recommended to hold AXP.
- StrongBuy: 7
- Buy: 4
- Hold: 18
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 378.5 | 22.5% |
P/E Trailing = 19.0075
P/E Forward = 15.625
P/S = 2.9052
P/B = 6.1777
P/EG = 1.2709
Revenue TTM = 84.1b USD
EBIT TTM = 22.9b USD
EBITDA TTM = 24.7b USD
Long Term Debt = 57.0b USD (from longTermDebt, last quarter)
Short Term Debt = 2.03b USD (from shortTermDebt, last quarter)
Debt = 59.1b USD (from shortLongTermDebtTotal, last quarter) + Leases 3.00m
Net Debt = 13.5b USD (calculated: Debt 59.1b - CCE 45.6b)
Enterprise Value = 220b USD (206b + Debt 59.1b - CCE 45.6b)
Interest Coverage Ratio = 2.81 (Ebit TTM 22.9b / Interest Expense TTM 8.12b)
EV/FCF = 14.58x (Enterprise Value 220b / FCF TTM 15.1b)
FCF Yield = 6.86% (FCF TTM 15.1b / Enterprise Value 220b)
FCF Margin = 17.90% (FCF TTM 15.1b / Revenue TTM 84.1b)
Net Margin = 13.61% (Net Income TTM 11.4b / Revenue TTM 84.1b)
Gross Margin = 84.35% ((Revenue TTM 84.1b - Cost of Revenue TTM 13.2b) / Revenue TTM)
Gross Margin QoQ = 85.91% (prev 84.56%)
Tobins Q-Ratio = 0.71 (Enterprise Value 220b / Total Assets 308b)
Interest Expense / Debt = 13.75% (Interest Expense 8.12b / Debt 59.1b)
Taxrate = 22.48% (3.32b / 14.8b)
NOPAT = 17.7b (EBIT 22.9b * (1 - 22.48%))
Current Ratio = 1.55 (Total Current Assets 271b / Total Current Liabilities 174b)
Debt / Equity = 1.72 (Debt 59.1b / totalStockholderEquity, last quarter 34.3b)
Debt / EBITDA = 0.55 (Net Debt 13.5b / EBITDA 24.7b)
Debt / FCF = 0.90 (Net Debt 13.5b / FCF TTM 15.1b)
Total Stockholder Equity = 33.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.79% (Net Income 11.4b / Total Assets 308b)
RoE = 34.12% (Net Income TTM 11.4b / Total Stockholder Equity 33.5b)
RoCE = 25.23% (EBIT 22.9b / Capital Employed (Equity 33.5b + L.T.Debt 57.0b))
RoIC = 13.46% (NOPAT 17.7b / Invested Capital 132b)
WACC = 10.44% (E(206b)/V(265b) * Re(10.38%) + D(59.1b)/V(265b) * Rd(13.75%) * (1-Tc(0.22)))
Discount Rate = 10.38% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -99.29 | Cagr: -2.76%
[DCF] Terminal Value 71.51% ; FCFF base≈13.5b ; Y1≈15.4b ; Y5≈22.7b
[DCF] Fair Price = 349.6 (EV 250b - Net Debt 13.5b = Equity 236b / Shares 675.3m; r=10.44% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 96.54 | EPS CAGR: 15.60% | SUE: 0.42 | # QB: 0
Revenue Correlation: 99.15 | Revenue CAGR: 9.62% | SUE: 0.68 | # QB: 0
EPS current Quarter (2026-09-30): EPS=4.61 | Chg30d=+0.30% | Revisions=-48% | Analysts=22
EPS current Year (2026-12-31): EPS=17.68 | Chg30d=+0.05% | Revisions=-27% | GrowthEPS=+15.0% | GrowthRev=+10.1%
EPS next Year (2027-12-31): EPS=20.15 | Chg30d=+0.20% | Revisions=-19% | GrowthEPS=+14.0% | GrowthRev=+9.1%
[Analyst] Revisions Ratio: -34% (up=22, down=46)