AXP

— Fundamental Stock Analysis and Report Card

Financial Services : Financial - Credit Services

Located in New York City, NY, US. 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.

Growth

Revenue, earnings and profitability.

Strong revenue growth and earnings can attract investors, driving the stock price up. Profitability indicates the company's efficiency and sustainability, which impacts investor confidence. Poor performance in these areas can lead to a decrease in stock price.

Revenue History

Earnings History

Margins

Gross Margin TTM
83.50%
EBITDA Margin TTM
22.90%
Net Margin TTM
13.61%
Earnings Per Share TTM
16.36
Statements

Income & Cash Flow analysis.

An income statement shows what a company earned and spent over a period — revenue at the top, costs and expenses in between, and net income at the bottom. A cash flow statement tracks the actual cash moving in and out, across operations, investing, and financing. Read together, they show whether reported earnings are backed by real cash.

American Express Company
Select Period:
Q1 2026
Total ($)
Q1 2026
Margin (%)
Revenue
20.9b
+1.9b
+10.3%
Gross Income
17.7b
+1.8b
+11.6%
85%
+1.0pp
+1.2%
EBITDA
7.1b
+3.3b
+87.8%
34%
+14.0pp
+70.3%
Operating Income
6.6b
+3.3b
+98.1%
32%
+14.0pp
+79.7%
Net Income
3.0b
+387.0m
+15.0%
14%
+0.6pp
+4.3%
Earnings Per Share
4.28
+0.6
+17.6%
Operating Cash Flow
3.8b
-960.0m
-20.2%
18%
-6.9pp
-27.6%
Free Cash Flow
2.7b
-1.7b
-38.7%
13%
-10.2pp
-44.5%
Research & Development
n/a
n/a
n/a
n/a
n/a
n/a
Recommendations

What are the analysts saying?

Analyst Consensus aggregates Wall Street recommendations into buy/hold/sell counts, while the Fundamental Scorecard grades the company on six financial ratios (P/B, P/E, D/E, ROA, ROE, DCF) plus an overall score. The two measure different things and can point in different directions.

Analyst Consensus
Fundamental Scorecard
Recent Upgrades & Downgrades