TipRanks
American Express (GB:0R3C)
LSE:0R3C

American Express (0R3C) Price & Analysis

1 Followers

0R3C Stock Chart & Stats

$333.42
-$17.44(-5.11%)
At close: 4:00 PM EDT
$333.42
-$17.44(-5.11%)

Bulls Say, Bears Say

Bulls Say
Closed-loop Premium Payments ModelThe closed-loop model gives American Express direct relationships with both cardmembers and merchants, allowing it to participate in payment economics while differentiating through premium benefits. This integrated ecosystem can support retention, customer data advantages, merchant acceptance, and recurring revenue across multiple products.
Strong Spending And Fee GrowthSustained growth in billed business and card fees indicates continuing customer engagement and pricing power rather than reliance on a single transaction cycle. Fee momentum is especially durable because it supports recurring revenue, while spending growth expands merchant revenue and strengthens the value of the network.
Strong Credit Quality And Cash GenerationConsistently positive free cash flow supports reinvestment, dividends, and repurchases, while stable credit metrics protect lending profitability and capital generation. Together, these characteristics improve earnings quality and provide resilience as American Express expands balances, acquires customers, and funds its payments ecosystem.
Bears Say
Elevated Structural LeveragePersistently elevated leverage can amplify returns, but it also increases sensitivity to credit cycles, funding conditions, and changes in financing costs. This reduces balance-sheet flexibility relative to a less leveraged model and could constrain capital allocation or growth investment if operating conditions weaken.
Recent Revenue And Earnings SlowdownThe TTM deterioration interrupts the steady revenue expansion recorded from 2021 through 2025 and signals weaker recent earnings conversion. If this pressure persists, it could reduce operating leverage, limit the pace of reinvestment, and make future growth more dependent on renewed spending and balance growth.
Higher Engagement Costs And Portfolio-transfer DragHigher variable cardmember expenses and the transfer of small-business co-brand portfolios create pressure on near-term margins and revenue growth. Although management has incorporated the effects into guidance, the combination can delay operating leverage and make reported spending and net interest trends less representative during the transition.

American Express News

0R3C FAQ

What was American Express’s price range in the past 12 months?
American Express lowest share price was $284.82 and its highest was $390.48 in the past 12 months.
    What is American Express’s market cap?
    American Express’s market cap is $208.60B.
      When is American Express’s upcoming earnings report date?
      American Express’s upcoming earnings report date is Oct 23, 2026 which is in 24 days.
        How were American Express’s earnings last quarter?
        American Express released its earnings results on Jul 24, 2026. The company reported $4.53 earnings per share for the quarter, beating the consensus estimate of $4.404 by $0.126.
          Is American Express overvalued?
          According to Wall Street analysts American Express’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
            Does American Express pay dividends?
            American Express pays a Quarterly dividend of $0.95 which represents an annual dividend yield of 1.15%. See more information on American Express dividends here
              What is American Express’s EPS estimate?
              American Express’s EPS estimate is 4.55.
                How many shares outstanding does American Express have?
                American Express has 675,309,800 shares outstanding.
                  What happened to American Express’s price movement after its last earnings report?
                  American Express reported an EPS of $4.53 in its last earnings report, beating expectations of $4.404. Following the earnings report the stock price went down -5.11%.
                    Which hedge fund is a major shareholder of American Express?
                    Currently, no hedge funds are holding shares in GB:0R3C
                    What is the TipRanks Smart Score and how is it calculated?
                    Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                      Company Description

                      American Express

                      Operating globally, American Express Company and its affiliated entities deliver a comprehensive suite of charge and credit payment card solutions, alongside a variety of travel-related offerings. Its business structure is organized into three primary divisions: the Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. Among its core offerings are diverse payment and financing instruments, robust network infrastructure services, tools for managing accounts payable expenses, and comprehensive travel and lifestyle support. Furthermore, it facilitates merchant services such as acquisition, transaction processing, settlement, and point-of-sale marketing, providing vital information and assistance to businesses. The company also specializes in fraud mitigation and developing and managing customer loyalty initiatives. These products and services are made available to a broad clientele, encompassing individual consumers, small and mid-sized enterprises, and large corporate entities. Distribution channels include digital platforms (mobile and online applications), collaborations with third-party vendors and partners, direct communication methods like mail and telephone, dedicated internal sales forces, and direct response advertising campaigns. Established in 1850, American Express Company maintains its corporate headquarters in New York, New York.

                      American Express (0R3C) Earnings & Revenues

                      0R3C Company Deck

                      0R3C Earnings Call

                      Q2 2026
                      0:00 / 0:00
                      Earnings Call Sentiment|Positive
                      The call conveyed strong operating momentum: double-digit revenue growth, robust spend and card fee expansion, excellent credit metrics, international strength, healthy deposit growth, and high ROE. Management raised revenue guidance and emphasized reinvesting incremental performance into customer acquisition, technology and strategic partnerships (e.g., TheFork). Near-term headwinds include a higher VCE ratio, the staggered sale of small business co-brand portfolios that will depress spend and NII growth until lapped, and elevated marketing/integration spending that keeps EPS guidance unchanged. Overall, positives around growth, credit quality and capital returns materially outweigh the manageable, largely-transitory challenges.View all GB:0R3C earnings summaries

                      0R3C Revenue Breakdown

                      47.65%47.65%24.05%17.38%11.35%
                      47.65% U.S. Consumer Services
                      24.05% Commercial Services
                      17.38% International Card Services
                      11.35% Global Merchant and Network Services
                      tipranks

                      0R3C Stock 12 Month Forecast

                      Average Price Target

                      $379.83
                      ▲(13.92% Upside)
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style=\"color:#199ca5\">Buy 17,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 22, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 4</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":350.679,"date":1769904000000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 19,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 26, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 3</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":306.786,"date":1772323200000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 20,\t&nbsp; </span>\n              <span  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style=\"color:#912767\">Sell 2</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":313.454,"date":1780272000000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 29,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 17, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 4</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":348.84,"date":1782864000000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 33,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 17, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 4</span>\n      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