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American Express
(NYSE:AXP)
American Express (AXP) vs. SPDR S&P 500 ETF (SPY)
American Express Business Overview & Revenue Model
American Express Key Performance Indicators (KPIs)
Measures the total dollar amount of transactions processed, reflecting the scale of the network and overall economic activity facilitated by American Express.
Main Street DataAmerican Express Earnings Call Summary
American Express Financial Statement Overview
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 76.86B | 74.20B | 67.36B | 55.63B | 44.43B | 38.34B |
| Gross Profit | 63.44B | 60.76B | 55.59B | 50.68B | 44.57B | 31.51B |
| EBITDA | 14.56B | 14.57B | 12.16B | 11.21B | 12.38B | 5.84B |
| Net Income | 10.15B | 10.13B | 8.37B | 7.51B | 8.06B | 3.13B |
Balance Sheet | ||||||
| Total Assets | 295.56B | 271.46B | 261.11B | 228.35B | 188.55B | 191.37B |
| Cash, Cash Equivalents and Short-Term Investments | 58.82B | 41.51B | 48.65B | 38.39B | 24.50B | 54.47B |
| Total Debt | 59.70B | 51.09B | 49.16B | 43.92B | 40.92B | 44.83B |
| Total Liabilities | 263.25B | 241.20B | 233.05B | 203.64B | 166.37B | 168.38B |
| Stockholders Equity | 32.31B | 30.26B | 28.06B | 24.71B | 22.18B | 22.98B |
Cash Flow | ||||||
| Free Cash Flow | 11.10B | 12.14B | 17.00B | 19.22B | 13.10B | 4.11B |
| Operating Cash Flow | 13.09B | 14.05B | 18.56B | 21.08B | 14.64B | 5.59B |
| Investing Cash Flow | -22.11B | -24.40B | -24.43B | -33.69B | -10.53B | 11.63B |
| Financing Cash Flow | 13.90B | 4.44B | 18.38B | 24.51B | -14.93B | -9.07B |
American Express Technical Analysis
American Express Risk Analysis
American Express Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $241.21B | 23.28 | 33.70% | 0.91% | 8.14% | 9.55% | |
81 Outperform | $507.12B | 37.84 | 177.90% | 0.54% | 14.55% | 13.25% | |
79 Outperform | $64.40B | 14.43 | 22.92% | ― | 4.05% | 13.85% | |
74 Outperform | $658.69B | 33.75 | 51.18% | 0.69% | 11.38% | 7.43% | |
73 Outperform | $26.61B | 7.81 | 21.52% | 1.54% | -6.38% | 19.65% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
55 Neutral | $135.16B | 108.83 | -0.07% | 1.14% | 10.51% | -81.56% |
American Express Corporate Events
American Express reported delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card Member loans for the months ending July 31, June 30, and May 31, 2025. The data reveals that the delinquency rates for consumer loans remained steady at 1.3%, while small business loans saw a slight increase from 1.5% to 1.6%. The net write-off rates for consumer loans slightly decreased from 2.1% to 2.0%, whereas small business loans experienced an increase from 2.4% to 2.7%. These statistics provide additional insights into the credit performance of American Express’s loan portfolios, which may differ from the performance of loans securitized through the American Express Credit Account Master Trust.
The most recent analyst rating on (AXP) stock is a Hold with a $290.00 price target. To see the full list of analyst forecasts on American Express stock, see the AXP Stock Forecast page.
On July 25, 2025, American Express issued $4 billion in aggregate principal amount of fixed-to-floating and floating rate notes, with maturities in 2029 and 2033. This issuance, under a senior indenture agreement with The Bank of New York Mellon, is part of the company’s strategic financial management, potentially impacting its capital structure and market positioning.
The most recent analyst rating on (AXP) stock is a Hold with a $290.00 price target. To see the full list of analyst forecasts on American Express stock, see the AXP Stock Forecast page.
On July 23, 2025, American Express announced the election of Randal K. Quarles and Noel Wallace to its Board of Directors, increasing the board to 14 members. Mr. Quarles, with extensive experience in financial services and regulation, will join the Nominating, Governance, and Public Responsibility Committee and Risk Committee. Mr. Wallace, known for his leadership in global consumer brands, will join the Audit and Compliance Committee and Compensation and Benefits Committee. These appointments are expected to bring valuable perspectives and expertise to American Express, supporting its growth and strategic initiatives.
The most recent analyst rating on (AXP) stock is a Hold with a $290.00 price target. To see the full list of analyst forecasts on American Express stock, see the AXP Stock Forecast page.
On July 18, 2025, American Express reported its financial results for the second quarter of 2025, highlighting a record revenue of $17.9 billion, a 9% increase year-over-year, and earnings per share of $4.08. Despite a slight decline in net income compared to the previous year, the company saw a 17% rise in adjusted EPS, excluding a prior year gain. The company reaffirmed its full-year guidance for revenue and EPS growth, driven by strong card member spending and demand for premium products. American Express also announced upcoming updates to its U.S. Consumer and Business Platinum Cards and the launch of the new Coinbase One Card on its network, indicating a strategic focus on maintaining its leadership in the premium card segment.
The most recent analyst rating on (AXP) stock is a Buy with a $350.00 price target. To see the full list of analyst forecasts on American Express stock, see the AXP Stock Forecast page.
In a recent update, American Express disclosed delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card Member loans for the months ending June 30, May 31, and April 30, 2025. The company reclassified $1.6 billion of loans related to its Amazon small business co-brand portfolio to loans held for sale, impacting the reported figures for June 2025. The statistics reveal stable delinquency rates and write-off rates for both consumer and small business loans, with slight variations over the three months. This reclassification and the reported credit performance provide insights into the company’s financial health and operational adjustments, which may influence stakeholders’ perspectives on its market positioning.
The most recent analyst rating on (AXP) stock is a Hold with a $290.00 price target. To see the full list of analyst forecasts on American Express stock, see the AXP Stock Forecast page.
On July 1, 2025, American Express announced that the Federal Reserve set its preliminary Stress Capital Buffer requirement at 2.5 percent, effective from October 1, 2025, to September 30, 2026. This requirement, consistent with the previous year’s buffer, reaffirms the company’s strong capital position and supports its strategy of sustainable growth and shareholder returns. The company had previously increased its quarterly dividend by 17 percent and returned $5.4 billion to shareholders through share repurchases in the 12 months ending March 31, 2025.
The most recent analyst rating on (AXP) stock is a Hold with a $290.00 price target. To see the full list of analyst forecasts on American Express stock, see the AXP Stock Forecast page.
In a recent announcement, American Express reported delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card Member loans for March, April, and May 2025. Notably, effective June 1, 2025, the company reclassified approximately $1.6 billion in loans related to its Amazon small business cobrand portfolio as held for sale, impacting how these loans are reported in future financial statements. This reclassification could influence the company’s financial metrics and stakeholder perceptions, as it adjusts its balance sheet and loan portfolio management strategies.
The most recent analyst rating on (AXP) stock is a Hold with a $290.00 price target. To see the full list of analyst forecasts on American Express stock, see the AXP Stock Forecast page.
On May 20, 2025, American Express issued €1,000,000,000 in Fixed-to-Floating Rate Notes due in 2032, under a senior indenture with The Bank of New York Mellon as trustee. This issuance is part of the company’s strategic financial operations, potentially impacting its financial structure and market positioning.
The most recent analyst rating on (AXP) stock is a Hold with a $290.00 price target. To see the full list of analyst forecasts on American Express stock, see the AXP Stock Forecast page.
In a recent update, American Express reported delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card Member lending portfolios for February, March, and April 2025. The statistics showed stable delinquency rates at 1.4% for consumer loans and 1.6% for small business loans over the three months, while net write-off rates slightly decreased for both segments. This data, which excludes loans held for sale, provides insights into the company’s credit performance and reflects the impact of various factors such as loan mix and seasonal variability.
The most recent analyst rating on (AXP) stock is a Hold with a $290.00 price target. To see the full list of analyst forecasts on American Express stock, see the AXP Stock Forecast page.