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American Express Company AXP

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320.99 USD -3.98 (-1.22%)

At closeNov 6, 2026, 6:45 PM EST

321.40 +0.41 +0.13%

After hours · Nov 6, 6:45 PM ET

319.20 Day range 326.78
292.27 52-week range 384.89
YTD
-13.23%
1 year
-12.23%

Financial health

Altman Z-Score

2.18 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 2
  • P/E 2
  • P/B 1

Valuation

P/E 24.0×
FY 2016: 13.1×FY 2017: 33.3×FY 2018: 11.8×FY 2019: 15.5×FY 2020: 32.1×FY 2021: 16.3×FY 2022: 15.0×FY 2023: 16.7×FY 2024: 21.1×FY 2025: 24.0×
FY 2016 5y median 16.7× FY 2025
P/S 3.2×
FY 2016: 1.8×FY 2017: 2.2×FY 2018: 1.9×FY 2019: 2.2×FY 2020: 2.5×FY 2021: 2.9×FY 2022: 2.0×FY 2023: 2.0×FY 2024: 2.9×FY 2025: 3.2×
FY 2016 5y median 2.9× FY 2025
P/B 7.7×
FY 2016: 3.4×FY 2017: 4.8×FY 2018: 3.7×FY 2019: 4.5×FY 2020: 4.2×FY 2021: 5.8×FY 2022: 4.5×FY 2023: 4.9×FY 2024: 7.0×FY 2025: 7.7×
FY 2016 5y median 5.8× FY 2025
P/FCF 16.1×
FY 2016: 10.1×FY 2017: 7.0×FY 2018: 10.7×FY 2019: 8.6×FY 2020: 23.7×FY 2021: 9.9×FY 2022: 5.8×FY 2023: 8.1×FY 2024: 17.4×FY 2025: 16.1×
FY 2016 5y median 9.9× FY 2025
EV/EBITDA 17.2×
FY 2016: 10.6×FY 2017: 13.0×FY 2018: 12.3×FY 2019: 14.9×FY 2020: 18.7×FY 2021: 12.0×FY 2022: 10.8×FY 2023: 11.5×FY 2024: 15.2×FY 2025: 17.2×
FY 2016 5y median 12.0× FY 2025
EV/Sales 3.3×
FY 2016: 2.5×FY 2017: 2.9×FY 2018: 2.7×FY 2019: 3.0×FY 2020: 2.9×FY 2021: 3.3×FY 2022: 2.2×FY 2023: 2.1×FY 2024: 3.0×FY 2025: 3.3×
FY 2016 5y median 3.0× FY 2025
FCF Yield 6.2%
FY 2016: 9.9%FY 2017: 14.2%FY 2018: 9.3%FY 2019: 11.6%FY 2020: 4.2%FY 2021: 10.1%FY 2022: 17.3%FY 2023: 12.3%FY 2024: 5.7%FY 2025: 6.2%
FY 2016 5y median 10.1% FY 2025

Profitability

Gross Margin 83.2%
FY 2016: 86.6%FY 2017: 87.5%FY 2018: 85.4%FY 2019: 85.1%FY 2020: 82.2%FY 2021: 100.3%FY 2022: 91.1%FY 2023: 82.5%FY 2024: 81.9%FY 2025: 83.2%
FY 2016 5y median 83.2% FY 2025
Operating Margin 17.1%
FY 2016: 21.0%FY 2017: 19.0%FY 2018: 18.8%FY 2019: 17.9%FY 2020: 11.2%FY 2021: 24.1%FY 2022: 17.2%FY 2023: 15.6%FY 2024: 17.4%FY 2025: 17.1%
FY 2016 5y median 17.2% FY 2025
Net Margin 13.5%
FY 2016: 14.0%FY 2017: 7.0%FY 2018: 16.0%FY 2019: 14.4%FY 2020: 8.2%FY 2021: 18.1%FY 2022: 13.5%FY 2023: 12.4%FY 2024: 13.7%FY 2025: 13.5%
FY 2016 5y median 13.5% FY 2025
ROE 32.4%
FY 2016: 26.2%FY 2017: 15.0%FY 2018: 31.0%FY 2019: 29.3%FY 2020: 13.6%FY 2021: 36.3%FY 2022: 30.4%FY 2023: 29.8%FY 2024: 33.5%FY 2025: 32.4%
FY 2016 5y median 32.4% FY 2025
ROIC 8.3%
FY 2016: 5.9%FY 2017: 2.8%FY 2018: 6.6%FY 2019: 6.1%FY 2020: 3.3%FY 2021: 8.8%FY 2022: 7.2%FY 2023: 7.2%FY 2024: 8.7%FY 2025: 8.3%
FY 2016 5y median 8.3% FY 2025
ROA 3.6%
FY 2016: 3.4%FY 2017: 1.5%FY 2018: 3.7%FY 2019: 3.4%FY 2020: 1.6%FY 2021: 4.3%FY 2022: 3.3%FY 2023: 3.2%FY 2024: 3.7%FY 2025: 3.6%
FY 2016 5y median 3.6% FY 2025

Growth (YoY)

Revenue 8.4%
FY 2016: 11.6%FY 2017: 1.6%FY 2018: 10.9%FY 2019: 8.9%FY 2020: -18.6%FY 2021: 15.9%FY 2022: 25.2%FY 2023: 21.1%FY 2024: 10.1%FY 2025: 8.4%
FY 2016 FY 2025
Operating Income 7.0%
FY 2016: 1.3%FY 2017: -7.7%FY 2018: 9.4%FY 2019: 3.8%FY 2020: -49.0%FY 2021: 148.8%FY 2022: -10.3%FY 2023: 9.7%FY 2024: 22.7%FY 2025: 7.0%
FY 2016 FY 2025
EPS (diluted) 9.7%
FY 2016: 11.9%FY 2017: -47.4%FY 2018: 171.4%FY 2019: -0.9%FY 2020: -52.8%FY 2021: 165.8%FY 2022: -1.8%FY 2023: 13.9%FY 2024: 25.1%FY 2025: 9.7%
FY 2016 FY 2025
Free Cash Flow 31.8%
FY 2016: -28.9%FY 2017: 82.2%FY 2018: -38.9%FY 2019: 57.3%FY 2020: -65.7%FY 2021: 218.4%FY 2022: 46.8%FY 2023: -11.6%FY 2024: -28.6%FY 2025: 31.8%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.4×FY 2017: 0.5×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 0.6×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.3×
FY 2016: 0.4×FY 2017: 0.5×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 0.6×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 1.7×
FY 2016: 2.6×FY 2017: 3.2×FY 2018: 2.8×FY 2019: 2.8×FY 2020: 2.0×FY 2021: 1.8×FY 2022: 1.8×FY 2023: 1.8×FY 2024: 1.7×FY 2025: 1.7×
FY 2016 5y median 1.8× FY 2025
Net Debt / EBITDA 0.6×
FY 2016: 3.0×FY 2017: 3.0×FY 2018: 3.6×FY 2019: 4.2×FY 2020: 2.1×FY 2021: 1.6×FY 2022: 0.9×FY 2023: 0.2×FY 2024: 0.7×FY 2025: 0.6×
FY 2016 5y median 0.7× FY 2025
Interest Coverage 1.7×
FY 2016: 4.7×FY 2017: 3.5×FY 2018: 2.8×FY 2019: 2.4×FY 2020: 2.0×FY 2021: 8.3×FY 2022: 3.5×FY 2023: 1.5×FY 2024: 1.6×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025

Dividends

Dividend Yield 0.9%
FY 2016: 1.7%FY 2017: 1.4%FY 2018: 1.6%FY 2019: 1.4%FY 2020: 1.5%FY 2021: 1.1%FY 2022: 1.4%FY 2023: 1.3%FY 2024: 0.9%FY 2025: 0.9%
FY 2016 5y median 1.1% FY 2025
Payout Ratio 21.0%
FY 2016: 22.5%FY 2017: 45.5%FY 2018: 19.1%FY 2019: 21.0%FY 2020: 47.0%FY 2021: 18.0%FY 2022: 20.8%FY 2023: 21.3%FY 2024: 19.7%FY 2025: 21.0%
FY 2016 5y median 20.8% FY 2025

Annual · latest fiscal year ends 2025-12-31