American Express Financials

AXP Stock  USD 293.34  2.06  0.70%   
Based on the key indicators related to American Express' liquidity, profitability, solvency, and operating efficiency, American Express is performing exceptionally good at the present time. It has a great chance to report excellent financial results in March. At this time, American Express' Common Stock Total Equity is relatively stable compared to the past year. As of 02/25/2025, Inventory is likely to grow to about 174.6 B, while Total Stockholder Equity is likely to drop slightly above 16.6 B. Key indicators impacting American Express' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.210.2009
Sufficiently Up
Slightly volatile
Return On Assets0.03920.0373
Sufficiently Up
Slightly volatile
Return On Equity0.180.3347
Way Down
Pretty Stable
Debt Equity Ratio0.04310.0454
Notably Down
Slightly volatile
Operating Income38 B36.2 B
Sufficiently Up
Slightly volatile
Current Ratio1.50.8864
Way Up
Pretty Stable
Investors should never underestimate American Express' ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor American Express' cash flow, debt, and profitability to make informed and accurate decisions about investing in American Express.

Cash And Equivalents

27.86 Billion

  
Understanding current and past American Express Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of American Express' financial statements are interrelated, with each one affecting the others. For example, an increase in American Express' assets may result in an increase in income on the income statement.

American Express Stock Summary

American Express competes with Visa, PayPal Holdings, Capital One, Upstart Holdings, and Mastercard. American Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide. American Express Company was founded in 1850 and is headquartered in New York, New York. American Express operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 64000 people.
Foreign Associates
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS0258161092
CUSIP025816109
LocationNew York; U.S.A
Business Address200 Vesey Street,
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.americanexpress.com
Phone212 640 2000
CurrencyUSD - US Dollar

American Express Key Financial Ratios

American Express Key Income Statement Accounts

The reason investors look at the income statement is to determine what American Express' earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
202020212022202320242025 (projected)
Interest Expense2.1B1.3B2.8B6.8B8.3B8.7B
Operating Income4.3B10.7B12.3B10.8B36.2B38.0B
Ebit(26.6B)(19.0B)(32.1B)12.7B11.4B12.0B
Ebitda5.8B13.2B12.6B14.3B36.2B38.0B
Net Income3.1B8.1B7.5B8.4B10.1B10.6B
Income Tax Expense1.2B2.6B2.1B2.1B2.8B2.9B
Total Revenue36.1B42.4B52.9B60.4B50.4B30.8B
Gross Profit24.3B27.2B32.7B34.5B42.2B26.8B
Income Before Tax4.3B10.7B9.6B10.5B12.9B13.5B
Cost Of Revenue11.8B15.2B20.1B25.9B8.2B15.7B
Tax Provision1.2B2.6B2.1B2.1B2.8B1.9B
Net Interest Income8.0B7.8B9.9B13.1B15.5B10.1B
Interest Income10.1B9.0B12.7B20.0B23.8B14.0B

American Express Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash8.5B(10.9B)11.9B12.7B(6.0B)(5.7B)
Free Cash Flow4.1B13.1B19.2B17.0B14.1B7.7B
Depreciation1.5B1.7B1.6B1.7B1.7B928.9M
Other Non Cash Items4.7B(2.2B)2.5B5.6B4.6B2.9B
Dividends Paid1.5B1.4B1.6B(1.8B)(2.0B)(1.9B)
Capital Expenditures1.5B1.6B1.9B1.6B1.9B1.1B
Net Income3.1B8.1B7.5B8.4B10.1B10.6B
End Period Cash Flow33.0B22.0B33.9B46.6B40.6B42.7B
Investments13.6B(9.0B)(31.8B)(24.4B)(24.4B)(23.2B)
Net Borrowings2.2B(20.2B)(3.4B)3.6B4.2B4.4B
Change To Netincome4.3B4.7B(1.6B)2.0B2.3B2.3B

American Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining American Express's current stock value. Our valuation model uses many indicators to compare American Express value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across American Express competition to find correlations between indicators driving American Express's intrinsic value. More Info.
American Express is rated third in return on equity category among its peers. It is rated fourth in return on asset category among its peers reporting about  0.11  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for American Express is roughly  9.14 . At this time, American Express' Return On Equity is relatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value American Express by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

American Express Systematic Risk

American Express' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. American Express volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on American Express correlated with the market. If Beta is less than 0 American Express generally moves in the opposite direction as compared to the market. If American Express Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one American Express is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of American Express is generally in the same direction as the market. If Beta > 1 American Express moves generally in the same direction as, but more than the movement of the benchmark.

American Express Thematic Clasifications

American Express is part of several thematic ideas from Warren Buffett Holdings to Dividend Beast. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in American Express Stock are looking for potential investment opportunities by analyzing not only static indicators but also various American Express' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of American Express growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.75

At this time, American Express' Price Earnings To Growth Ratio is relatively stable compared to the past year.

American Express February 25, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of American Express help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of American Express. We use our internally-developed statistical techniques to arrive at the intrinsic value of American Express based on widely used predictive technical indicators. In general, we focus on analyzing American Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build American Express's daily price indicators and compare them against related drivers.

Additional Tools for American Stock Analysis

When running American Express' price analysis, check to measure American Express' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy American Express is operating at the current time. Most of American Express' value examination focuses on studying past and present price action to predict the probability of American Express' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move American Express' price. Additionally, you may evaluate how the addition of American Express to your portfolios can decrease your overall portfolio volatility.