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AXP

NEUTRAL
$332.9 Live
American Express Company · NYSE
Target $356.15 (+7.0%)
$257.21 52W Range $387.49
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 23, 2026
Market cap
$228.57B
P/E
21.64
ROE
34.0%
Profit margin
16.2%
Debt/Equity
1.91
Dividend yield
1.14%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
American Express exhibits a stable financial profile with a Piotroski F-Score of 4/9 and strong profitability metrics, including a high ROE of 33.99%. While the stock trades at a significant premium to its Graham Number ($129.95), it remains below its growth-based intrinsic value of $453.71. However, the outlook is tempered by a bearish technical trend (0/100) and consistent insider selling totaling $36.4M. The company shows robust YoY earnings growth of 16.6%, but recent Q/Q EPS contraction and macroeconomic sensitivities create a balanced risk-reward profile.

Key Strengths

Exceptional Return on Equity (ROE) of 33.99%
Strong YoY Revenue (10.60%) and Earnings (16.60%) growth
Highly sustainable dividend payout ratio of 21.33%
Consistent track record of earnings beats over 25 quarters
Strong market position as a premium lifestyle and payments brand

Key Risks

High Debt/Equity ratio of 1.91, typical for credit services but increases leverage risk
Significant bearish insider sentiment with 8 sell transactions and 0 buys
High Price-to-Book ratio (6.82) indicating a steep valuation premium
Extreme sensitivity to macroeconomic downturns and consumer spending shifts
Bearish technical trend (0/100) suggesting short-term price pressure
AI Fair Value Estimate
Based on comprehensive analysis
$393.33
+18.2% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
63
Strong
Value
55
Future
78
Past
88
Health
50
Dividend
45
AI Verdict
Fundamental strength offset by technical and insider weakness
Key drivers: High ROE, Growth trajectory, Insider selling, Technical bearishness
Confidence
90%
Value
55/100

P/E is reasonable for the sector, but the stock is priced for perfection relative to book value.

Positives
  • Trades below growth-based intrinsic value ($453.71)
  • Forward P/E (16.55) is attractive
Watchpoints
  • Trades far above Graham Number ($129.95)
  • High P/B ratio of 6.82
Future
78/100

Growth remains strong on an annual basis, though quarterly volatility is appearing.

Positives
  • Double-digit YoY revenue and earnings growth
  • Strong analyst target price of $356.15
Watchpoints
  • Recent Q/Q EPS growth decline of -14.7%
Past
88/100

Long-term trajectory is exceptionally strong with consistent execution.

Positives
  • Impressive 5Y change of +145.1%
  • Long-term history of beating earnings estimates
Watchpoints
  • Recent 6M performance is slightly negative (-4.9%)
Health
50/100

Financial health is stable but lacks the 'Strong' designation due to leverage and F-Score.

Positives
  • Current ratio (1.41) and Quick ratio (1.39) are healthy
Watchpoints
  • Piotroski F-Score of 4/9 is only 'Stable'
  • High Debt/Equity ratio of 1.91
Dividend
45/100

Not a primary income play, but the dividend is extremely safe.

Positives
  • Very low payout ratio (21.33%) suggests room for growth
Watchpoints
  • Low dividend yield of 1.14%

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$332.9
Analyst Target
$356.15
Upside/Downside
+7.0%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for AXP and closest competitors.

Updated 2026-04-22
AXP
American Express Company
Primary
5Y
+145.1%
3Y
+114.8%
1Y
+33.3%
6M
-4.9%
1M
+10.6%
1W
+1.2%
C
Citigroup Inc.
Peer
5Y
+106.4%
3Y
+182.9%
1Y
+104.9%
6M
+32.9%
1M
+19.5%
1W
+7.6%
MS
Morgan Stanley
Peer
5Y
+146.9%
3Y
+106.9%
1Y
+44.8%
6M
+4.7%
1M
-1.5%
1W
-0.8%
WFC
Wells Fargo & Company
Peer
5Y
+131.9%
3Y
+136.1%
1Y
+40.3%
6M
+10.9%
1M
+16.9%
1W
+5.8%
GS
The Goldman Sachs Group, Inc.
Peer
5Y
+208.5%
3Y
+198.4%
1Y
+89.2%
6M
+20.0%
1M
+10.2%
1W
+5.2%

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
21.64
Forward P/E
16.55
PEG Ratio
1.7
P/B Ratio
6.82
P/S Ratio
3.41
EV/Revenue
3.66
EV/EBITDA
N/A
Market Cap
$228.57B

Profitability

Profit margins and return metrics

Profit Margin 16.18%
Operating Margin 17.46%
Gross Margin 63.47%
ROE 33.99%
ROA 3.79%

Growth

Revenue and earnings growth rates

Revenue Growth +10.6%
Earnings Growth +16.6%
Q/Q Revenue Growth +10.49%
Q/Q Earnings Growth +13.5%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
1.91
High debt
Current Ratio
1.41
Good
Quick Ratio
1.39
Good
Cash/Share
$69.39

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$19.0B
Net Margin
13.0%
Total Assets
$300.1B
Liabilities
$266.6B
Equity
$33.5B
Debt/Equity
7.96x
Operating CF
$3.1B
CapEx
$-0.7B
Free Cash Flow
$2.3B
FCF Yield
76%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-23
$N/A
2026-01-30
$3.53
-0.7% surprise
2025-10-17
$4.14
+4.0% surprise
2025-07-18
$4.08
+5.1% surprise

Financial Services Sector Comparison

Comparing AXP against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)
P/E Ratio
21.64
This Stock
vs
36.01
Sector Avg
-39.9% (Discount)
Return on Equity (ROE)
33.99%
This Stock
vs
-0.73%
Sector Avg
-4738.9% (Below Avg)
Profit Margin
16.18%
This Stock
vs
91.62%
Sector Avg
-82.3% (Weaker)
Debt to Equity
1.91
This Stock
vs
1.36
Sector Avg
+40.5% (Higher)
Revenue Growth
10.6%
This Stock
vs
35.27%
Sector Avg
-69.9% (Slower)
Current Ratio
1.41
This Stock
vs
3.18
Sector Avg
-55.8% (Weaker)

Similar Companies

Peer comparison within the same industry

AXP American Express Company
NEUTRAL
Mkt Cap
$228.6B
P/E
21.6
ROE
34.0%
Price
$332.9
C Citigroup Inc.
NEUTRAL
Mkt Cap
$220.9B
P/E
18.0
ROE
6.8%
Price
$126.28
 Compare with AXP
MS Morgan Stanley
NEUTRAL
Mkt Cap
$261.3B
P/E
16.1
ROE
15.6%
Price
$164.57
 Compare with AXP
WFC Wells Fargo & Company
NEUTRAL
Mkt Cap
$267.3B
P/E
13.8
ROE
11.7%
Price
$86.64
 Compare with AXP
GS The Goldman...
NEUTRAL
Mkt Cap
$269.4B
P/E
17.7
ROE
13.9%
Price
$907.8
 Compare with AXP

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

JOABAR RAYMOND D
Officer
Sell
2026-03-13
40 shares · $12,257
LIEBERMAN QUINN JESSICA
Officer
Sell
2026-03-06
3,032 shares · $909,661
JOABAR RAYMOND D
Officer
Sell
2026-02-19
14,000 shares · $4,769,396
GROSFIELD HOWARD M
Officer
Sell
2026-02-12
8,134 shares · $2,820,302
RADHAKRISHNAN RAVIKUMAR S
Chief Technology Officer
Sell
2026-02-09
15,000 shares · $5,348,672
SEEGER LAUREEN E
Officer
Sell
2026-02-09
12,737 shares · $4,597,930
PICKETT DENISE
Officer
Sell
2026-02-05
23,385 shares · $8,346,340
PICKETT DENISE
Officer
Option Exercise
2026-02-05
12,660 shares · $2,197,903
MARRS ANNA
Officer
Sell
2026-02-05
27,425 shares · $9,599,024
MARRS ANNA
Officer
Option Exercise
2026-02-05
14,992 shares · $2,602,761
PICKETT DENISE
Officer
Stock Award
2026-01-30
21,012 shares
RUTLEDGE ELIZABETH
Officer
Stock Award
2026-01-30
9,057 shares
MARRS ANNA
Officer
Stock Award
2026-01-30
26,899 shares
JOABAR RAYMOND D
Officer
Stock Award
2026-01-30
24,330 shares
SKYLER JENNIFER
Officer
Stock Award
2026-01-30
9,952 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-15

American Express reported its financial results for the first quarter of 2026.

DEF 14A
DEF 14A
2026-03-25

American Express (AXP) filed its definitive proxy statement on March 25, 2026, providing shareholders with necessary information and voting materials for the upcoming annual meeting.

8-K
8-K
2026-03-16

American Express filed an 8-K, likely announcing its quarterly financial results.

8-K
8-K
2026-03-02
8-K
8-K
2026-02-25

American Express reported its fourth-quarter and full-year financial results.

8-K
8-K
2026-02-17

American Express reported its fourth quarter and full-year financial results.

8-K
8-K
2026-02-10

American Express reported its fourth quarter and full-year 2025 financial results.

10-K
10-K
2026-02-06
8-K
8-K
2026-01-30
8-K
8-K
2026-01-15
8-K
8-K
2025-12-15
8-K
8-K
2025-11-17
8-K
8-K
2025-10-24
8-K
8-K
2025-10-17
10-Q
10-Q
2025-10-17
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
23 analysts
Morgan Stanley
2026-04-16
Maintains
Equal-Weight Equal-Weight
JP Morgan
2026-04-09
Maintains
Neutral Neutral
Wells Fargo
2026-04-09
Maintains
Overweight Overweight
Evercore ISI Group
2026-04-06
Maintains
In-Line In-Line
Barclays
2026-04-06
Maintains
Equal-Weight Equal-Weight
Truist Securities
2026-03-23
Maintains
Buy Buy
BTIG
2026-03-16
Maintains
Sell Sell
Evercore ISI Group
2026-02-10
Maintains
In-Line In-Line
Truist Securities
2026-02-02
Maintains
Buy Buy
JP Morgan
2026-02-02
Maintains
Neutral Neutral

Past News Coverage

Recent headlines mentioning AXP from our newsroom.

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