American Express (0R3C) Ratios
American Express Ratios
GB:0R3C's free cash flow for Q3 2026 was $4.44B. For the 2026 fiscal year, GB:0R3C's free cash flow was decreased by $-947.00M and operating cash flow was $5.38B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.28 | 0.27 | 0.33 | 0.31 | 0.27 |
| Quick Ratio | 0.28 | 0.27 | 0.33 | 0.31 | 0.27 |
| Cash Ratio | 0.28 | 0.26 | 0.32 | 0.27 | 0.22 |
| Solvency Ratio | 0.05 | 0.05 | 0.04 | 0.04 | 0.06 |
| Operating Cash Flow Ratio | 0.11 | 0.09 | 0.13 | 0.17 | 0.15 |
| Short-Term Operating Cash Flow Coverage | 13.44 | 10.23 | 14.35 | 15.64 | 6.53 |
| Net Current Asset Value | $ -218.04B | $ -199.45B | $ -184.40B | $ -165.25B | $ -139.17B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.19 | 0.19 | 0.19 | 0.19 | 0.22 |
| Debt-to-Equity Ratio | 1.73 | 1.69 | 1.75 | 1.78 | 1.85 |
| Debt-to-Capital Ratio | 0.63 | 0.63 | 0.64 | 0.64 | 0.65 |
| Long-Term Debt-to-Capital Ratio | 0.63 | 0.62 | 0.63 | 0.63 | 0.64 |
| Financial Leverage Ratio | 8.96 | 8.97 | 9.31 | 9.24 | 8.50 |
| Debt Service Coverage Ratio | 1.31 | 1.23 | 1.23 | 2.22 | 2.77 |
| Interest Coverage Ratio | 1.68 | 1.56 | 1.53 | 3.47 | 8.33 |
| Debt to Market Cap | 0.22 | 0.24 | 0.36 | 0.40 | 0.32 |
| Interest Debt Per Share | 94.95 | 83.23 | 76.20 | 62.16 | 53.49 |
| Net Debt to EBITDA | 0.65 | 0.72 | 0.22 | 0.93 | 1.57 |
| Profitability Margins | |||||
| Gross Profit Margin | 83.23% | 81.89% | 82.52% | 91.11% | 100.31% |
| EBIT Margin | 17.14% | 17.38% | 15.61% | 17.23% | 24.06% |
| EBITDA Margin | 19.35% | 19.64% | 18.06% | 20.15% | 27.87% |
| Operating Profit Margin | 17.14% | 17.38% | 15.61% | 17.23% | 24.06% |
| Pretax Profit Margin | 17.14% | 17.38% | 15.61% | 17.23% | 24.06% |
| Net Profit Margin | 13.46% | 13.65% | 12.43% | 13.51% | 18.14% |
| Continuous Operations Profit Margin | 13.46% | 13.65% | 12.43% | 13.51% | 18.14% |
| Net Income Per EBT | 78.53% | 78.55% | 79.65% | 78.39% | 75.40% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 3.61% | 3.73% | 3.21% | 3.29% | 4.27% |
| Return on Equity (ROE) | 32.36% | 33.47% | 29.85% | 30.41% | 36.34% |
| Return on Capital Employed (ROCE) | 10.67% | 11.25% | 9.10% | 9.35% | 11.94% |
| Return on Invested Capital (ROIC) | 8.29% | 8.71% | 7.17% | 7.24% | 8.78% |
| Return on Tangible Assets | 3.67% | 3.79% | 3.26% | 3.35% | 4.37% |
| Earnings Yield | 4.21% | 4.79% | 6.08% | 6.77% | 6.24% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 16.46 |
| Payables Turnover | 0.92 | 0.97 | 0.90 | 0.41 | -0.01 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 11.31 | 12.02 | 11.40 | 10.67 | 8.91 |
| Asset Turnover | 0.27 | 0.27 | 0.26 | 0.24 | 0.24 |
| Working Capital Turnover Ratio | -0.68 | -0.70 | -0.73 | -0.70 | -0.78 |
| Cash Conversion Cycle | -397.74 | -377.14 | -406.45 | -895.56 | 28400.93 |
| Days of Sales Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 22.18 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 397.74 | 377.14 | 406.45 | 895.56 | -28378.75 |
| Operating Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 22.18 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 26.52 | 19.71 | 25.25 | 28.07 | 18.56 |
| Free Cash Flow Per Share | 23.03 | 17.03 | 23.12 | 25.60 | 16.60 |
| Dividend Paid and CapEx Coverage Ratio | 3.92 | 3.59 | 5.55 | 6.16 | 4.88 |
| Capital Expenditure Coverage Ratio | 7.60 | 7.35 | 11.87 | 11.36 | 9.45 |
| Operating Cash Flow Coverage Ratio | 0.32 | 0.28 | 0.38 | 0.48 | 0.36 |
| Operating Cash Flow to Sales Ratio | 0.23 | 0.19 | 0.28 | 0.38 | 0.33 |
| Free Cash Flow Yield | 6.22% | 5.74% | 12.34% | 17.33% | 10.14% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 24.01 | 21.14 | 16.44 | 14.77 | 16.01 |
| Price-to-Sales (P/S) Ratio | 3.20 | 2.85 | 2.04 | 1.99 | 2.91 |
| Price-to-Book (P/B) Ratio | 7.68 | 6.99 | 4.91 | 4.49 | 5.82 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 16.07 | 17.43 | 8.10 | 5.77 | 9.86 |
| Price-to-Operating Cash Flow Ratio | 13.95 | 15.06 | 7.42 | 5.26 | 8.81 |
| Price-to-Earnings Growth (PEG) Ratio | 2.46 | 0.84 | 1.17 | -8.23 | 0.10 |
| Enterprise Value Multiple | 17.16 | 15.25 | 11.54 | 10.82 | 11.99 |
| Enterprise Value | 267.17B | 222.15B | 140.32B | 121.34B | 148.48B |
| EV to EBITDA | 17.16 | 15.25 | 11.54 | 10.82 | 11.99 |
| EV to Sales | 3.32 | 2.99 | 2.08 | 2.18 | 3.34 |
| EV to Free Cash Flow | 16.69 | 18.30 | 8.26 | 6.31 | 11.34 |
| EV to Operating Cash Flow | 14.50 | 15.81 | 7.56 | 5.76 | 10.14 |
| Tangible Book Value Per Share | 41.02 | 36.40 | 32.80 | 27.67 | 23.03 |
| Shareholders’ Equity Per Share | 48.16 | 42.45 | 38.17 | 32.90 | 28.11 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.21 | 0.21 | 0.20 | 0.22 | 0.25 |
| Revenue Per Share | 115.78 | 104.07 | 91.65 | 74.07 | 56.31 |
| Net Income Per Share | 15.59 | 14.21 | 11.39 | 10.01 | 10.22 |
| Tax Burden | 0.79 | 0.79 | 0.80 | 0.78 | 0.75 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.19 | 0.19 | 0.12 | 0.13 | 0.14 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.70 | 1.39 | 2.22 | 2.81 | 1.82 |
Currency in USD