A Business at a Glance
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American Express is a global payments and premium lifestyle brand powered by technology. Founded in 1850 and headquartered in New York, American Express’ card-issuing, merchant-acquiring and card network businesses offer products and services to a broad range of customers, including consumers, small businesses, mid-sized companies and large corporations around the world. Our range of products and services includes: •Credit and charge cards and complementary products and services, including travel, dining, lifestyle and expense management products and services •Banking and other payment and financing products and services, including deposits and non-card lending •Merchant acquisition and processing, servicing and settlement, fraud prevention, and point-of-sale marketing and information products and services •Network services These products and services are offered through various channels, including mobile and online applications, affiliate marketing, customer referral programs, third-p
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 41.3B | 41.3B | 38.8B | 37.2B | 34.2B | 27.7B |
| Net Income | 10.8B | 10.8B | 10.1B | 8.4B | 7.5B | 8.1B |
| EPS | $15.38 | $15.38 | $14.01 | $11.21 | $9.85 | $10.02 |
| Free Cash Flow | 16.0B | 16.0B | 12.1B | 17.0B | 19.2B | 13.1B |
| ROIC | 24.9% | 12.8% | 12.7% | 11.0% | 11.2% | 13.2% |
| Gross Margin | 75.2% | 75.2% | 75.7% | 68.5% | 57.4% | 65.9% |
| Debt/Equity | 1.73 | 1.73 | 1.69 | 1.75 | 1.78 | 1.85 |
| Dividends/Share | $3.22 | $3.28 | $2.80 | $2.40 | $2.08 | $1.72 |
| Operating Income | 13.8B | 13.8B | 12.9B | 10.5B | 9.6B | 10.7B |
| Operating Margin | 33.4% | 33.4% | 33.2% | 28.2% | 28.0% | 38.6% |
| ROE | 32.4% | 34.0% | 33.5% | 29.8% | 30.4% | 36.3% |
| Shares Outstanding | 704M | 704M | 723M | 747M | 763M | 804M |
AMERICAN EXPRESS CO passes 7 of 9 quality checks, indicating strong fundamentals.
AMERICAN EXPRESS CO trades at 21.3x trailing earnings, compared to its 15-year median P/E of 16.0x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 14.0x vs a median of 9.3x. The company's 5-year average ROIC is 12.2% with a gross margin of 68.5%. Total shareholder yield (dividends + buybacks) is 3.5%. At current prices, the estimated annualized return to fair value is +18.0%.
AMERICAN EXPRESS CO (AXP) has a current P/E ratio of 21.3, compared to its historical median P/E of 16.0. The stock is currently considered Fair based on its historical valuation range.
AMERICAN EXPRESS CO (AXP) has a 5-year average return on invested capital (ROIC) of 12.2%. This indicates solid capital allocation.
AMERICAN EXPRESS CO (AXP) has a market capitalization of $230.3B. It is classified as a mega-cap stock.
Yes, AMERICAN EXPRESS CO (AXP) pays a dividend with a trailing twelve-month yield of 0.99%. The company also returns capital through share buybacks, with a buyback yield of 2.52%.
Based on historical P/E analysis, AMERICAN EXPRESS CO (AXP) appears fair. The current P/E of 21.3 is 33% above its historical median of 16.0. The estimated fair value CAGR (P/E method) is 15.3%.
AMERICAN EXPRESS CO (AXP) operates in the Finance Services industry, within the Financials sector.
AMERICAN EXPRESS CO (AXP) reported annual revenue of $41.3 billion in its most recent fiscal year, based on SEC EDGAR filings.
AMERICAN EXPRESS CO (AXP) has a net profit margin of 26.2%. This is a strong margin indicating high profitability.
AMERICAN EXPRESS CO (AXP) generated $16.0 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
AMERICAN EXPRESS CO (AXP) has a debt-to-equity ratio of 1.73. This indicates higher leverage, which may increase financial risk.
AMERICAN EXPRESS CO (AXP) reported earnings per share (EPS) of $15.38 in its most recent fiscal year.
AMERICAN EXPRESS CO (AXP) has a return on equity (ROE) of 34.0%. This indicates the company generates strong returns for shareholders.
AMERICAN EXPRESS CO (AXP) has a 5-year average gross margin of 68.5%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 19 years of financial data for AMERICAN EXPRESS CO (AXP), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
AMERICAN EXPRESS CO (AXP) has a book value per share of $47.52, based on its most recent annual SEC filing.