AXP

American Express Company

Fundamental data last updated:June 14, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Credit Services

Exchange

NYSE

County of HQ

US

Next Earnings Date

07/24/2026

Business Summary

American Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide. The company operates through three segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. Its products and services include payment and financing products; network services; accounts payable expense management products and services; and travel and lifestyle services. The company's products and services also comprise merchant acquisition and processing, servicing and settlement, point-of-sale marketing, and information products and services for merchants; and fraud prevention services, as well as the design and operation of customer loyalty programs. It sells its products and services to consumers, small businesses, mid-sized companies, and large corporations through mobile and online applications, third-party vendors and business partners, direct mail, telephone, in-house sales teams, and direct response advertising. American Express Company was founded in 1850 and is headquartered in New York, New York.

 


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VALUATION

P/E

19.45

Market Cap ($M USD)

$217.01B

Forward P/E

11.26

PEG

0.15

PRICE TO SALES

2.63

PRICE TO BOOK

6.42

EV / EBITDA

12.15

5-Year Average P/E

Free Cash Flow Yield

6.60%

DCF Value

$218.85

Graham Number

$135.04

Price to FCF

15.15

EV to FCF

15.62

Earnings Yield

5.14%

FCF Yield

6.60%

DIVIDEND

Yield

1.07%

Annual Payout

$3.41

Payout Ratio

20.90%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$16.36

Next Year EPS Growth Estimate

$28.25

Next Year Revenue Growth Estimate

$7.64T

Return on Equity (ROE)

33.95%

FREE CASH FLOW

Operating Margin

20.70%

Debt-to-Equity

1.73

Piotroski F-Score

7

Altman Z-Score

0.63

Return on Invested Capital (ROIC)

11.43%

Current Ratio

0.35

Quick Ratio

0.35

Net Debt to EBITDA

0.36

Interest Coverage

2.07

Gross Profit margin

83.50%

FCF PER SHARE

$20.88

REVENUE PER SHARE

$120.13

Analyze AXP on TradingView

Gainseekers Quantitative Analysis

Summary

American Express is trading at a premium, with its snapshot price significantly above its DCF value and Graham Number, suggesting the market may be overestimating its intrinsic worth. The Forward P/E of 11.01 indicates expectations of robust future earnings, yet the low Altman Z-score of 0.63 raises red flags about financial distress risk. Despite a solid Earnings Yield of 5.26%, the valuation appears stretched, especially when considering the high Price/Book ratio of 6.28. The market seems to be pricing in perfection, leaving little room for error.

AI Exposure / Tech Reliance

Operating in the Financial - Credit Services industry, American Express is well-positioned to leverage AI and tech advancements to enhance customer experience and streamline operations. Its focus on digital payments and data analytics aligns with modern tech trends, ensuring resilience in a rapidly evolving landscape. However, the company must continuously innovate to maintain its competitive edge.

The Bull Case

For the discerning GARP investor, American Express offers compelling reasons to buy. With an impressive ROIC of 11.43%, the company demonstrates efficient capital allocation, driving shareholder value. A Piotroski F-Score of 7 signals strong financial health, while a robust Operating Margin of 20.70% underscores its pricing power. The FCF Yield, although modest, indicates a steady cash flow generation, supporting its growth narrative.

The Bear Case

Despite its strengths, American Express faces significant structural risks. The Price/Sales ratio of 2.57 and Price/Book ratio of 6.28 highlight a potentially overvalued stock, especially given its proximity to the 52-week high. The Current Ratio of 0.35 suggests liquidity constraints, and the Altman Z-score indicates vulnerability to financial distress. These factors, combined with a high Debt/Equity ratio of 1.73, paint a picture of potential overextension.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$374.73

Institutional Ownership %

1-Year Beta

1.08

Insider Buying % (6 Mo)

Distance to 52-Week High

21.84%

Distance to 52-Week Low

10.03%

EARNINGS SURPRISE %

7.00%

50-DAY SMA

$312.87

200-DAY SMA

$337.00

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.