AXP American Express Company - Fundamental Analysis
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AXP Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Credit Services
Current Price
Live
$361.69
Analyst Target
$377.22
+4.3%
Upside
52W High
$387.49
52W Low
$220.43
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$251.69B
P/E
24.69
ROE
33.9%
Profit margin
16.1%
Debt/Equity
1.85
Dividend yield
0.89%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
The Advanced Deterministic Scorecard reveals a mixed financial profile: the Piotroski F-Score of 4/9 indicates stable but not robust financial health, while the absence of an Altman Z-Score prevents a definitive distress risk assessment. American Express trades above its Graham Number ($124.53) at $361.69, reflecting premium valuation likely supported by strong growth and profitability metrics, including 18.6% YoY earnings growth and a 33.94% ROE. However, bearish insider activity, a weak technical trend (10/100), and a high P/E of 24.69 relative to sector peers temper optimism. The stock has delivered strong long-term returns (217.2% over 5Y), but recent underperformance and elevated valuation suggest limited near-term upside.
Key Strengths
Strong profitability with ROE of 33.94% and operating margin of 22.05%
Consistent revenue and earnings growth: 12.2% YoY revenue growth and 18.6% YoY earnings growth
High gross margin of 64.14%, indicating strong pricing power and cost control
Low dividend payout ratio of 15.72%, providing sustainability and room for future increases
Market leadership in credit services with a large $251.69B market cap and strong brand
Key Risks
Piotroski F-Score of 4/9 suggests below-average financial strength and stability
High valuation with P/E of 24.69 and Price/Book of 7.69, above sector averages
Bearish insider sentiment: $109.29M in net insider sales over last 6 months
Technical trend is deeply bearish at 10/100, indicating weak price momentum
Missing key financial data (e.g., Altman Z-Score, free cash flow, EV/EBITDA) limits comprehensive risk assessment
AI Fair Value Estimate
Based on comprehensive analysis
$432.18
+19.5% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
61
Strong
52
76
70
58
48
AI Verdict
Neutral with upside potential if growth sustains
Key drivers: Strong earnings growth and profitability, Elevated valuation and bearish technicals, Stable but not strong financial health (Piotroski 4), Bearish insider activity, Lack of Altman Z-Score limits downside risk clarity
Confidence
75%
Value
52/100
Ref P/E, PEG, Graham Number
Positives
- Intrinsic Value (Formula) of $432.18 implies upside from current price of $361.69
Watchpoints
- Current price is 190% above Graham Number ($124.53)
- P/E of 24.69 above sector average of 20.94
- Price/Book of 7.69 significantly above typical defensive thresholds
Future
76/100
Ref Growth rates
Positives
- 18.6% YoY earnings growth
- 12.2% YoY revenue growth
- Q/Q earnings growth of 15.80% indicates continued momentum
Watchpoints
- Forward P/E of 20.80 still high, pricing in strong expectations
- PEG Ratio unavailable, limiting growth-adjusted valuation view
Past
70/100
Ref Historical trends
Positives
- 5-year price return of +217.2% shows strong long-term performance
- History of beating earnings estimates: 3 out of last 4 quarters
Watchpoints
- Recent 1-month return of -5.4% and 1-week decline of -0.8% show weakening momentum
- Past earnings misses in early 2023 (Q1 and Q2)
Health
58/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 4/9 indicates stable financial condition
- Current and quick ratios above 1.5 suggest short-term liquidity strength
- Debt/Equity of 1.85 in line with sector average of 1.81
Watchpoints
- Piotroski score below 7 indicates suboptimal financial health
- Altman Z-Score missing, creating uncertainty about bankruptcy risk
Dividend
48/100
Ref Yield, Payout
Positives
- Low payout ratio of 15.72% ensures dividend safety
- Dividend has been maintained despite economic cycles
Watchpoints
- Dividend Strength score of 25/100 indicates weak yield and growth
- Yield of 0.89% is low for income-focused investors
- No 5-year average yield data available
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$361.69
Analyst Target
$377.22
Upside/Downside
+4.3%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AXP and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AXP
American Express Company
Primary
|
+217.2% | +141.4% | +12.2% | +16.6% | -5.4% | -0.8% |
|
WFC
Wells Fargo & Company
Peer
|
+203.9% | +116.7% | +18.9% | +10.8% | -4.5% | -7.9% |
|
GS
The Goldman Sachs Group, Inc.
Peer
|
+268.2% | +196.4% | +60.1% | +37.2% | +10.3% | +2.5% |
|
C
Citigroup Inc.
Peer
|
+121.6% | +161.7% | +54.5% | +27.9% | +5.9% | -2.7% |
|
MS
Morgan Stanley
Peer
|
+195.8% | +115.6% | +43.1% | +36.0% | +8.2% | +1.5% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
24.69
Forward P/E
20.8
PEG Ratio
N/A
P/B Ratio
7.69
P/S Ratio
3.85
EV/Revenue
3.92
EV/EBITDA
N/A
Market Cap
$251.69B
Profitability
Profit margins and return metrics
Profit Margin
16.14%
Operating Margin
22.05%
Gross Margin
64.13%
ROE
33.93%
ROA
3.71%
Growth
Revenue and earnings growth rates
Revenue Growth
+12.2%
Earnings Growth
+18.6%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+15.8%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
1.85
High debt
Current Ratio
1.6
Good
Quick Ratio
1.58
Excellent
Cash/Share
$77.74
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-30
$N/A
2025-10-17
$4.14
+4.0% surprise
2025-07-18
$4.08
+5.1% surprise
2025-04-17
$3.64
+5.0% surprise
Financial Services Sector Comparison
Comparing AXP against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
24.69
This Stock
vs
30.37
Sector Avg
-18.7%
(Discount)
Return on Equity (ROE)
33.93%
This Stock
vs
-7.62%
Sector Avg
-545.2%
(Below Avg)
Profit Margin
16.14%
This Stock
vs
82.75%
Sector Avg
-80.5%
(Weaker)
Debt to Equity
1.85
This Stock
vs
1.48
Sector Avg
+25.5%
(Higher)
Revenue Growth
12.2%
This Stock
vs
28.35%
Sector Avg
-57.0%
(Slower)
Current Ratio
1.6
This Stock
vs
3.81
Sector Avg
-57.9%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AXP
American Express Company
|
NEUTRAL | $251.69B | 24.69 | 33.9% | 16.1% | $361.69 | |
|
WFC
Wells Fargo & Company
|
NEUTRAL | $277.43B | 14.12 | 11.7% | 26.7% | $88.38 | |
|
GS
The Goldman Sachs Group, Inc.
|
NEUTRAL | $291.22B | 19.56 | 13.9% | 28.9% | $962.0 | |
|
C
Citigroup Inc.
|
NEUTRAL | $211.2B | 16.89 | 6.8% | 18.9% | $118.04 | |
|
MS
Morgan Stanley
|
NEUTRAL | $301.85B | 19.39 | 15.7% | 24.0% | $189.09 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-12-12 | JOABAR RAYMOND D | Officer | Sale | 1,400 | $538,902 |
| 2025-12-12 | JOABAR RAYMOND D | Officer | Gift | 650 | - |
| 2025-12-04 | BUCKMINSTER DOUGLAS E | Officer | Gift | 13,800 | - |
| 2025-10-31 | RUTLEDGE ELIZABETH | Officer | Sale | 50,000 | $18,010,684 |
| 2025-10-31 | RUTLEDGE ELIZABETH | Officer | Option Exercise | 50,000 | $3,271,500 |
| 2025-10-23 | TABISH DOUGLAS J | Officer | Sale | 2,515 | $894,359 |
| 2025-10-22 | PICKETT DENISE | Officer | Sale | 5,000 | $1,753,650 |
| 2025-10-21 | SQUERI STEPHEN J | Chief Executive Officer | Gift | 28,115 | - |
| 2025-09-04 | SQUERI STEPHEN J | Chief Executive Officer | Sale | 112,272 | $37,033,681 |
| 2025-09-04 | SQUERI STEPHEN J | Chief Executive Officer | Option Exercise | 112,272 | $14,783,977 |
| 2025-09-03 | HERENA MONIQUE | Officer | Sale | 8,695 | $2,833,527 |
| 2025-09-03 | HERENA MONIQUE | Officer | Gift | 610 | - |
| 2025-09-02 | BUCKMINSTER DOUGLAS E | Officer | Sale | 23,505 | $7,671,327 |
| 2025-09-02 | BUCKMINSTER DOUGLAS E | Officer | Gift | 610 | - |
| 2025-09-02 | BUCKMINSTER DOUGLAS E | Officer | Option Exercise | 23,505 | $1,294,890 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
24 analysts
JP Morgan
2026-01-12
Neutral
Neutral
TD Cowen
2026-01-08
Hold
Hold
Barclays
2026-01-06
Equal-Weight
Equal-Weight
Truist Securities
2025-12-22
Buy
Buy
Wells Fargo
2025-12-17
Overweight
Overweight
Freedom Capital Markets
2025-10-24
Sell
Hold
Wells Fargo
2025-10-20
Overweight
Overweight
Truist Securities
2025-10-20
Buy
Buy
Barclays
2025-10-20
Equal-Weight
Equal-Weight
BTIG
2025-10-20
Sell
Sell
Past News Coverage
Recent headlines mentioning AXP from our newsroom.
Newest → oldest
No matching news yet.