AXP Stock Analysis: American Express | NYSE
Credit Services | NYSE, USA | Market Cap: 232.564m USD | 12M Return: 9.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 1.09B
EPS Trend: 96.1%
Qual. Beats: 1
Rev. Trend: 94.4%
Qual. Beats: -1
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 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: 8.34b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 0.03 > 1.0 |
| NWC/Revenue: -142.4% < 20% (prev -138.1%; Δ -4.27% < -1%) |
| CFO/TA 0.05 > 3% & CFO 16.0b > Net Income 8.34b |
| Net Debt (9.74b) to EBITDA (25.3b): 0.39 < 3 |
| Current Ratio: 0.31 > 1.5 & < 3 |
| Outstanding Shares: last quarter (678.0m) vs 12m ago -3.00% < -2% |
| Gross Margin: 83.11% > 18% (prev 82.53%; Δ 0.58% > 0.5%) |
| Asset Turnover: 25.66% > 50% (prev 26.01%; Δ -0.35% > 0%) |
| Interest Coverage Ratio: 2.88 > 6 (EBIT TTM 23.4b / Interest Expense TTM 8.12b) |
| A: -0.36 (Total Current Assets 49.3b - Total Current Liabilities 160b) / Total Assets 308b |
| B: 0.09 (Retained Earnings 26.4b / Total Assets 308b) |
| C: 0.08 (EBIT TTM 23.4b / Avg Total Assets 302b) |
| D: 1.13 (Book Value of Equity 308b / Total Liabilities 274b) |
| Altman-Z'' = -0.37 = B |
| DSRI: 3.0 (Receivables 223b/59.4b, Revenue 77.5b/76.9b) |
| GMI: 0.99 (GM 82.53% / 83.11%) |
| AQI: 1.04 (AQ_t 0.82 / AQ_t-1 0.78) |
| SGI: 1.01 (Revenue 77.5b / 76.9b) |
| TATA: -0.03 (NI 8.34b - CFO 16.0b) / TA 308b) |
| Beneish M = -1.36 (Cap -4..+1) = D |
As of July 28, 2026, the stock is trading at USD 335.39 with a total of 3,762,646 shares traded. Over the past week, the price has changed by -4.70%, over one month by -1.34%, over three months by +5.48% and over the past year by +9.09%.
Current recommended Stop Loss: 313.10 (which is 6.6% or 2.4 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 | 374.9 | 11.8% |
P/E Trailing = 21.7928
P/E Forward = 20.0
P/S = 3.3797
P/B = 6.9997
P/EG = 1.6654
Revenue TTM = 77.5b USD
EBIT TTM = 23.4b USD
EBITDA TTM = 25.3b USD
Long Term Debt = 56.4b USD (from longTermDebt, last fiscal year)
Short Term Debt = 2.03b USD (from shortTermDebt, last quarter)
Debt = 59.1b USD (from shortLongTermDebtTotal, last quarter) + Leases 3.00m
Net Debt = 9.74b USD (calculated: Debt 59.1b - CCE 49.3b)
Enterprise Value = 242b USD (233b + Debt 59.1b - CCE 49.3b)
Interest Coverage Ratio = 2.88 (Ebit TTM 23.4b / Interest Expense TTM 8.12b)
EV/FCF = 22.18x (Enterprise Value 242b / FCF TTM 10.9b)
FCF Yield = 4.51% (FCF TTM 10.9b / Enterprise Value 242b)
FCF Margin = 14.10% (FCF TTM 10.9b / Revenue TTM 77.5b)
Net Margin = 10.77% (Net Income TTM 8.34b / Revenue TTM 77.5b)
Gross Margin = 83.11% ((Revenue TTM 77.5b - Cost of Revenue TTM 13.1b) / Revenue TTM)
Gross Margin QoQ = 80.21% (prev 84.56%)
Tobins Q-Ratio = 0.79 (Enterprise Value 242b / Total Assets 308b)
Interest Expense / Debt = 13.75% (Interest Expense 8.12b / Debt 59.1b)
Taxrate = 28.47% (3.32b / 11.7b)
NOPAT = 16.7b (EBIT 23.4b * (1 - 28.47%))
Current Ratio = 0.28 (Total Current Assets 49.3b / Total Current Liabilities 175b)
Debt / Equity = 0.19 (Debt 59.1b / totalStockholderEquity, last quarter 308b)
Debt / EBITDA = 0.39 (Net Debt 9.74b / EBITDA 25.3b)
Debt / FCF = 0.89 (Net Debt 9.74b / FCF TTM 10.9b)
Total Stockholder Equity = 102b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.76% (Net Income 8.34b / Total Assets 308b)
RoE = 8.17% (Net Income TTM 8.34b / Total Stockholder Equity 102b)
RoCE = 14.77% (EBIT 23.4b / Capital Employed (Equity 102b + L.T.Debt 56.4b))
RoIC = 5.50% (NOPAT 16.7b / Invested Capital 304b)
WACC = 10.39% (E(233b)/V(292b) * Re(10.53%) + D(59.1b)/V(292b) * Rd(13.75%) * (1-Tc(0.28)))
Discount Rate = 10.53% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -99.29 | Cagr: -2.76%
[DCF] Terminal Value 69.43% ; FCFF base≈10.7b ; Y1≈11.2b ; Y5≈12.9b
[DCF] Fair Price = 202.2 (EV 148b - Net Debt 9.74b = Equity 138b / Shares 682.3m; r=10.39% [WACC]; 5y FCF grow 5.24% → 2.50% )
EPS Correlation: 96.13 | EPS CAGR: 17.79% | SUE: 1.02 | # QB: 1
Revenue Correlation: 94.43 | Revenue CAGR: 8.25% | SUE: -1.69 | # QB: -1
EPS current Quarter (2026-06-30): EPS=4.40 | Chg30d=+0.15% | Revisions=+8% | Analysts=24
EPS next Quarter (2026-09-30): EPS=4.69 | Chg30d=+0.13% | Revisions=-8% | Analysts=22
EPS current Year (2026-12-31): EPS=17.71 | Chg30d=+0.12% | Revisions=+8% | GrowthEPS=+15.2% | GrowthRev=+10.1%
EPS next Year (2027-12-31): EPS=20.15 | Chg30d=+0.05% | Revisions=+25% | GrowthEPS=+13.8% | GrowthRev=+8.9%
[Analyst] Revisions Ratio: +10% (up=20, down=16)