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Financial Services - Financial - Credit Services - NYSE - US
$ 234.28
0.257 %
$ 164 B
Market Cap
16.71
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one AXP stock under the worst case scenario is HIDDEN Compared to the current market price of 234 USD, American Express Company is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one AXP stock under the base case scenario is HIDDEN Compared to the current market price of 234 USD, American Express Company is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one AXP stock under the best case scenario is HIDDEN Compared to the current market price of 234 USD, American Express Company is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart AXP

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$330.0$330.0$320.0$320.0$310.0$310.0$300.0$300.0$290.0$290.0$280.0$280.0$270.0$270.0$260.0$260.0$250.0$250.0$240.0$240.0$230.0$230.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
50.4 B REVENUE
-16.50%
36.2 B OPERATING INCOME
236.07%
10.1 B NET INCOME
20.96%
14 B OPERATING CASH FLOW
-24.30%
-24.4 B INVESTING CASH FLOW
0.13%
4.44 B FINANCING CASH FLOW
-75.86%
17.2 B REVENUE
3.26%
0 OPERATING INCOME
0.00%
2.17 B NET INCOME
-13.44%
5.78 B OPERATING CASH FLOW
418.87%
-12.2 B INVESTING CASH FLOW
-247.67%
-770 M FINANCING CASH FLOW
-220.00%
Balance Sheet American Express Company
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Current Assets 137 B
Cash & Short-Term Investments 77.9 B
Receivables 59.2 B
Other Current Assets 0
Non-Current Assets 5.37 B
Long-Term Investments 0
PP&E 5.37 B
Other Non-Current Assets 0
54.65 %41.58 %3.77 %Total Assets$142.5b
Current Liabilities 155 B
Accounts Payable 13.9 B
Short-Term Debt 1.37 B
Other Current Liabilities 139 B
Non-Current Liabilities 86.5 B
Long-Term Debt 0
Other Non-Current Liabilities 86.5 B
5.76 %57.80 %35.87 %Total Liabilities$241.2b
EFFICIENCY
Earnings Waterfall American Express Company
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Revenue 50.4 B
Cost Of Revenue 8.2 B
Gross Profit 42.2 B
Operating Expenses 6.04 B
Operating Income 36.2 B
Other Expenses 26 B
Net Income 10.1 B
60b60b50b50b40b40b30b30b20b20b10b10b0050b(8b)42b(6b)36b(26b)10bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
83.74% GROSS MARGIN
83.74%
71.75% OPERATING MARGIN
71.75%
20.09% NET MARGIN
20.09%
33.47% ROE
33.47%
3.73% ROA
3.73%
-262.59% ROIC
-262.59%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis American Express Company
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20b20b18b18b16b16b14b14b12b12b10b10b8b8b6b6b4b4b2b2b0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 10.1 B
Depreciation & Amortization 1.68 B
Capital Expenditures -1.91 B
Stock-Based Compensation 504 M
Change in Working Capital -1.89 B
Others 5.63 B
Free Cash Flow 12.1 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets American Express Company
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Wall Street analysts predict an average 1-year price target for AXP of $264 , with forecasts ranging from a low of $175 to a high of $325 .
AXP Lowest Price Target Wall Street Target
175 USD -25.30%
AXP Average Price Target Wall Street Target
264 USD 12.69%
AXP Highest Price Target Wall Street Target
325 USD 38.72%
Price
Max Price Target
Min Price Target
Average Price Target
340340320320300300280280260260240240220220200200180180160160May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.24% DIVIDEND YIELD
0.82 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
2.002.001.801.801.601.601.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.260.260.290.320.350.390.430.430.430.430.520.60.70.290.290.290.320.350.390.430.520.520.60.70.820.320.350.390.430.430.60.70.291.160.321.220.351.320.391.460.431.560.431.810.431.990.521.470.61.550.71.731.221.420.702015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership American Express Company
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Sold
0-3 MONTHS
44.3 M USD 7
3-6 MONTHS
75.7 M USD 5
6-9 MONTHS
0 USD 0
9-12 MONTHS
43 M USD 7
Bought
999 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
AmEx Stock Trails S&P 500, Declines 21% YTD: Time to Buy or Cash Out? AXP's clients typically have higher incomes and strong credit scores, which helps minimize credit risks. zacks.com - 1 week ago
IX or AXP: Which Is the Better Value Stock Right Now? Investors looking for stocks in the Financial - Miscellaneous Services sector might want to consider either Orix (IX) or American Express (AXP). But which of these two stocks presents investors with the better value opportunity right now? zacks.com - 1 week ago
1 Top Warren Buffett Stock Down 28% That Could Double Your Money in 5 Years In the past 40 years, Berkshire Hathaway has compounded shareholder capital to the tune of 40,000%. The conglomerate has done this under the direction of Warren Buffett, arguably the greatest capital allocator ever who knows how to pick winners. fool.com - 1 week ago
Warren Buffett Has $334 Billion in Cash and Treasury Bills: Here's What Happens Next We wrote about it repeatedly, as did most of the financial press. 247wallst.com - 1 week ago
3 No-Brainer Warren Buffett Stocks to Buy Right Now Are you looking to reload your portfolio with a handful of new stock picks? There's certainly no shortage of names to choose from. fool.com - 2 weeks ago
5 Reasons to Buy American Express Stock Like There's No Tomorrow The S&P 500 has declined about 6.7% since the beginning of the year (as of this writing) as fears of higher tariffs, stubborn inflation, and fewer interest rate cuts drove away the bulls. In this uncertain market, it might be tempting to simply park your cash in some CDs and T-bills. fool.com - 2 weeks ago
2 Warren Buffett Stocks to Hold Forever Warren Buffett is known for saying his favorite holding period is "forever." But if you follow Berkshire Hathaway's trading activity, you'll notice that it sells stocks quite often, whether partial or full positions. fool.com - 2 weeks ago
Mastercard vs. AmEx: Which Payments Giant Has More Room to Run? Compared to MA's more globally diversified business, AXP remains more exposed to domestic economic shifts. zacks.com - 2 weeks ago
1 Ideal Buy From 23 "Safer" April Dividend Dogs In 50 Fortune World's Most Admired Companies (FWMAC) 1 Ideal Buy From 23 "Safer" April Dividend Dogs In 50 Fortune World's Most Admired Companies (FWMAC) seekingalpha.com - 2 weeks ago
Trump Tariffs: Here Are 4 Smart Things to Do With Your Money Right Now KEY POINTS New tariffs could drive up prices on everyday goods, making it essential to prepare your finances now.Strengthening your emergency fund and paying off debt can help you stay ahead of rising costs.Investing wisely and locking in big purchases before prices rise can protect your long-term financial health. New tariffs are coming, and they could have a big impact on your wallet. President Donald Trump has announced a baseline 10% tariff on all imports, with even higher rates on the E.U., China, India, and other countries. That means prices on everything from electronics to groceries could climb fast.No one knows exactly how this will shake out, but one thing is certain: Now is the time to get your finances in order. If tariffs lead to rising costs, a little planning today could save you a lot of stress down the road. (function(){function c(){var b=a.contentDocument||a.contentWindow.document;if(b){var d=b.createElement('script');d.innerHTML="window.__CF$cv$params={r:'92a9a42d28c8ab34',t:'MTc0MzY5NDU4My4wMDAwMDA='};var a=document.createElement('script');a.nonce='';a.src='/cdn-cgi/challenge-platform/scripts/jsd/main.js';document.getElementsByTagName('head')[0].appendChild(a);";b.getElementsByTagName('head')[0].appendChild(d)}}if(document.body){var a=document.createElement('iframe');a.height=1;a.width=1;a.style.position='absolute';a.style.top=0;a.style.left=0;a.style.border='none';a.style.visibility='hidden';document.body.appendChild(a);if('loading'!==document.readyState)c();else if(window.addEventListener)document.addEventListener('DOMContentLoaded',c);else{var e=document.onreadystatechange||function(){};document.onreadystatechange=function(b){e(b);'loading'!==document.readyState&&(document.onreadystatechange=e,c())}}}})();Here are four smart moves to protect your finances and stay ahead of potential price hikes. 1. Beef up your emergency fundA tariff-induced inflation spike would mean higher costs for essentials. If you're already feeling stretched, now is the time to bulk up your emergency fund. Most experts recommend having three to six months' worth of expenses saved, but if tariffs drive up costs, having extra savings could be a lifesaver. Our Picks for the Best High-Yield Savings Accounts of 2025 Product APY Min. to Earn American Express® High Yield Savings Member FDIC. APY 3.70% Rate info Circle with letter I in it. 3.70% annual percentage yield as of April 3, 2025. Terms apply. Min. to earn $0 Open Account for American Express® High Yield Savings On American Express's Secure Website. Member FDIC. 3.70% Rate info Circle with letter I in it. 3.70% annual percentage yield as of April 3, 2025. Terms apply. $0 Open Account for American Express® High Yield Savings On American Express's Secure Website. CIT Platinum Savings Member FDIC. APY 4.10% APY for balances of $5,000 or more Rate info Circle with letter I in it. 4.10% APY for balances of $5,000 or more; otherwise, 0.25% APY Min. to earn $100 to open account, $5,000+ for max APY Open Account for CIT Platinum Savings On CIT's Secure Website. Member FDIC. 4.10% APY for balances of $5,000 or more Rate info Circle with letter I in it. 4.10% APY for balances of $5,000 or more; otherwise, 0.25% APY $100 to open account, $5,000+ for max APY Open Account for CIT Platinum Savings On CIT's Secure Website. Capital One 360 Performance Savings Member FDIC. APY 3.70% Rate info Circle with letter I in it. See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Feb. 6, 2025. Rates are subject to change at any time before or after account opening. Min. to earn $0 Open Account for Capital One 360 Performance Savings On Capital One's Secure Website. Member FDIC. 3.70% Rate info Circle with letter I in it. See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Feb. 6, 2025. Rates are subject to change at any time before or after account opening. $0 Open Account for Capital One 360 Performance Savings On Capital One's Secure Website. Start earning up to 10 times the national average savings rate -- open a CIT Platinum Savings account now. 2. Pay off high-interest debtIf tariffs push prices higher, the Federal Reserve might respond by raising interest rates again. That means credit card debt, personal loans, and other variable-rate debt could get even more expensive.Now's the time to knock out high-interest debt. Consider a balance transfer credit card or a personal loan with a lower fixed rate to consolidate what you owe. The less debt you carry, the better.3. Invest wiselyTrade wars and tariffs can shake up the stock market.Instead of making drastic moves, consider diversifying your investments. Index funds and ETFs that track the broad market can help you weather volatility. And if you want to lock in a guaranteed return, don't forget about certificates of deposit (CDs).CDs offer a guaranteed return, but in exchange you can't access your savings until your term is up -- typically somewhere between a few months and five years. The best CDs currently offer rates above 4.00%, and they'll get even more attractive if tariffs cause rates to go up.4. Lock in big purchases nowIf you've been considering a major purchase -- like a new car, home appliances, or even home renovations -- think about making it sooner rather than later. Tariffs could drive up costs on imported materials, making big-ticket items more expensive.Of course, don't rush into a purchase just for the sake of it. But if you were already planning to buy, locking in today's prices might save you money in the long run.Don't panicTariffs or not, smart money habits never go out of style. Strengthening your emergency fund, tackling debt, making wise investments, and pulling the trigger on big purchases before prices rise can help you navigate any economic uncertainty ahead.If you're looking for a high-yield savings account, a low-interest balance transfer card, or investment guidance, now's the time to explore your options. Small steps today can help you stay financially strong no matter what the future holds. https://www.fool.com - 2 weeks ago
Why American Express Stock Dropped 11% in March American Express (AXP 1.91%) stock fell 11% in March according to data provided by S&P Global Market Intelligence. Investors are worried about the impact of President Donald Trump's new tariff campaign on spending, which could negatively impact the credit card network's business. fool.com - 2 weeks ago
5 Things to Know Before the Stock Market Opens on Wednesday Close U.S. stock futures are pointing lower as investors ready for today's tariffs announcement expected from President Donald Trump after markets close; Tesla (TSLA) is slated to report first-quarter deliveries amid a downturn for its stock; Visa (V) reportedly is offering a payment of roughly $100 million to get Apple's (AAPL) credit card payment network business; and USDC stablecoin issuer Circle files for an IPO. Here's what investors need to know today. 1. US Stock Futures Dip as Investors Await Tariffs Updates U.S. stock futures are pointing lower following a volatile trading session as investors await White House tariff plans expected to be announced later today. Market watchers are also following today's private sector payrolls release ahead of Friday's job report. Nasdaq futures are 0.8% lower after the tech-focused index gained 0.9% Tuesday. Dow Jones Industrial Average and S&P 500 futures are lower by about 0.5%. Bitcoin (BTCUSD) is down slightly at around $85,000. The yield on the 10-year Treasury note is down below 4.15%. Oil futures are down. Gold futures are slightly higher. 2. Investors Brace for Trump Tariffs Announcement After Markets Close President Donald Trump is set to unveil his latest tariffs proposal at a White House event slated to start at the close of markets at 4 p.m. ET. Trump's advisers continue to hash out the details surrounding the new tariffs he plans to implement ahead of the "Liberation Day" event, Bloomberg reported. While Trump has said he was seeking reciprocal tariffs to match import taxes on U.S.-made products, a report in The Washington Post indicated that advisers were also mulling a 20% tariff on nearly all imported products. 3. Tesla Stock Slips Ahead of Quarterly Deliveries Data Tesla (TSLA) shares are down 2.5% in premarket trading ahead of the electric vehicle maker's expected release of its first-quarter deliveries data this morning. Analysts expect Tesla to report 393,000 deliveries, up less than 2% year-over-year but fewer than last quarter's 495,570 vehicles. The data comes as analysts have raised concerns that CEO Elon Musk's work with the Trump administration is creating distractions and impacting Tesla's business. Tesla shares have shed one-third of their value in 2025. 4. Visa Offers Apple $100M to Take Over Credit Card Network, Report Says Visa (V) is offering a payment of roughly $100 million to get Apple's (AAPL) credit card network business, according to The Wall Street Journal. The report said that Apple would select a payment provider before selecting a bank to take over its credit card from Goldman Sachs (GS), and that Visa is competing with Mastercard (MA)—which is "fiercely trying to keep its role as the network on this card"—and American Express (AXP). The Journal previously reported that JPMorgan Chase (JPM), Synchrony Financial (SYF), Capital One (COF) and American Express were in the running to take over as the issuer of the credit card. 5. USDC Stablecoin Issuer Circle Files for IPO Circle, the company behind the dollar-backed USDC stablecoin, has filed for a U.S. initial public offering (IPO). In its prospectus filed with the Securities and Exchange Commission (SEC), Circle said it plans to list on the New York Stock Exchange (NYSE) under ticker symbol "CRCL." Circle, which had previously announced plans to go public in 2021 via a SPAC merger, said its 2024 net income was $155.7 million, down from $267.6 million a year earlier. Do you have a news tip for Investopedia reporters? Please email us at tips@investopedia.com https://www.investopedia.com - 2 weeks ago
8. Profile Summary

American Express Company AXP

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 164 B
Dividend Yield 0.24%
Description 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.
Contact 200 Vesey Street, New York, NY, 10285 https://www.americanexpress.com
IPO Date June 1, 1972
Employees 75100
Officers Mr. Anre D. Williams Senior Executive Advisor Ms. Elizabeth Rutledge Chief Marketing Officer Ms. Laureen E. Seeger Chief Legal Officer Mr. Douglas E. Buckminster Vice Chairman Mr. Ravikumar Radhakrishnan Executive Vice President & Chief Information Officer Ms. Glenda G. McNeal Chief Partner Officer Mr. Stephen Joseph Squeri Chairman & Chief Executive Officer Mr. Christophe Y. Le Caillec Chief Financial Officer Ms. Lisa Marchese Executive Vice President of Corporate Development & Strategic Planning Group Ms. Denise Pickett President of Enterprise Shared Services