Stock Analysis
American Express CompanyAXP
P/E 18.50×· 5Y range 13.03–25.49×· 52th percentile of history
Sector: Financial Services · Industry: Credit Services
AnalystsBuy37 analystsP/E 18.5× sits at the 52nd percentile of its 5.089664613278576-year history.
Cash covers 1% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Quality85
- Profitability77
Risks
- Financial Health18
Mixed picture — no clear quality or value edge.
Bull Case
- ✓ROE 34.2% — efficient capital deployment
- ✓Revenue CAGR 14.3% — durable top-line growth
What's happening with AXP
Profile
Strong earnings quality and profitability; financial health lags behind.
How is each axis scored?
- Valuation64/100 · Moderate
- P/E vs own history (52th pct)12/25
- FCF yield (7.1%)20/25
- P/S (2.8x)20/25
- EV/EBIT (18.6x)12/25
- Growth72/100 · Moderate
- Revenue CAGR (14.3%)20/25
- Net income CAGR (7.7%)12/25
- EPS CAGR 5Y (11.1%)20/25
- Fwd implied growth (17.8%)20/25
- Profitability77/100 · Strong
- ROIC (12.6%)12/25
- ROE (34.2%)25/25
- Net margin (15.1%)20/25
- Operating margin (19.0%)20/25
- Financial Health18/100 · Weak
- Altman Z (1.00)3/25
- Current ratio (0.26)0/25
- Interest coverage (1.6x)3/25
- Net cash / debt (D/A 19%)12/25
- Quality85/100 · Strong
- Piotroski F (6/9)15/25
- Beneish M (-2.52)25/25
- FCF conversion (132%)25/25
- Margin stability (σ 5.2%)20/25
- Moat56/100 · Moderate
- ROIC >12% years (3/5 yrs)13/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 8.2%)18/25
Risk Flags
- ⚠Altman Z 1.0 — distress-zone balance sheet
- ⚠Interest coverage 1.6× — thin debt cushion
About American Express Company
American Express is a global financial institution, operating in about 130 countries, that provides consumers and businesses charge and credit card payment products. Show more
The company also operates a highly profitable merchant payment network. It operates in four segments: US consumer services, US commercial services, international card services, and global merchant and network services. In addition to payment products, the company's commercial business offers expense management tools, consulting services, and business loans.
Headquarters: NEW YORK, NY · Employees: 76,800 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
64BP/E (TTM)18.5xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 13.0x–25.5x · 52nd pct
P/FCF13.9xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield7.1%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 4.6%–17.8% · 30th pct
P/S (TTM)2.78xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.8x–4.0x · 44th pct
EV/EBIT18.6xC
Grade C: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 13.4x–24.3x · 49th pct
EV/Sales4.7xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E15.7xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio6.31xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.25B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.15%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio21.1%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
77B+ROIC12.6%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE34.2%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA3.8%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin15.1%A
Grade A: HighNet Income / Revenue
Operating Margin19.0%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin60.6%A
Grade A: PremiumGross Profit / Revenue
FCF Margin19.8%A
Grade A: HighFCF / Revenue
True FCF Margin19.0%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
72B+Revenue CAGR14.3%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR7.7%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)11.1%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth17.8%C
Grade C: MedAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-15.9%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income5.5%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.8%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
18EAltman Z-Score1.00D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.26xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.26xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage1.6xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment3.8yC
Grade C: AverageYears to repay net debt via FCF
Net Debt/EBIT3.9xC
Grade C: MedLeverage. <2x Low, >4x High
Debt/Equity1.73xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.01xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
85APiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.52A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion131.5%A
Grade A: StrongFCF / Net Income
Margin Stability5.2%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue4.5%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.27xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Young Christopher David Filed | Young Christopher David | Grant / award | +128 | |
Brennan John Joseph Filed | Brennan John Joseph | Grant / award | +212 | |
Majoras Deborah P Filed | Majoras Deborah P | Grant / award | +58 | |
Wallace Noel R. Filed | Wallace Noel R. | Grant / award | +116 | |
WARDELL LISA W Filed | WARDELL LISA W | Grant / award | +120 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Angelakis Michael J Filed | Angelakis Michael J | Grant / award | +58 | |
Baltimore Thomas J Jr Filed | Baltimore Thomas J Jr | Grant / award | +116 | |
PHILLIPS JR CHARLES E Filed | PHILLIPS JR CHARLES E | Grant / award | +60 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
56CROIC >12% Years3/5 yrsC
Grade C: ModerateShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor8.2%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$16.95
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$66.31
Cash & short-term investments per share (Finnhub)
Book Value / Share$50.79
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$57.76B
Total debt obligations (short + long term)
Cash & Equiv.$742.00M
Cash and short-term investments
Net Debt$57.02B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$33.47B
Shareholders' equity (book value)
Asset / Liability1.13xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$211.38B
Current Market Capitalization
Beta1.10B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: American Express Company (AXP)
Piotroski F-Score of 6/9 indicates mixed fundamentals for American Express Company. Altman Z-Score of 1.00 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.52 suggests a low likelihood of earnings manipulation. American Express Company converts about 20% of revenue into free cash flow — strong cash generation.
- Takes ~3.8 years to repay net debt from free cash flow.
- Interest coverage of 1.6× leaves little room for earnings shocks.
- Return on equity of 34.2% is well above the market average.
- American Express Company reports earnings in 7 days — a potential volatility catalyst.
See how AXP ranks on the Capex Tracker — top 50 capital spenders compared.
Earnings
View earnings calendar →Next Earnings
| Date | Time | EPS Est. | Rev Est. |
|---|---|---|---|
| Oct 23, 2026 | After-Hrs | $4.53 | $20.3B |
Recent Market Moves
See all AXP moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 314.63 | +2.50% | 2.68 |
| Oct 15 | After-hours | 314.37 | +2.42% | 2.59 |
Frequently Asked Questions about AXP
What is the current American Express Company (AXP) stock price?
AXP is trading at $313.59 at the last market close, down 0.09% on the session. PreMarketPrice tracks AXP pre-market, intraday and after-hours prices.
Is AXP stock a buy right now?
PreMarketPrice's quantitative model rates American Express Company's financial health at 18/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is AXP stock overvalued?
American Express Company trades at a trailing P/E of 18.5 and our valuation score rates it 64/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does American Express Company report earnings?
AXP is scheduled to report on 2026-10-23 (in 7 days). Check the Earnings section for recent results and the full calendar.
What sector does American Express Company operate in?
American Express Company operates in the Financial Services sector, within the Credit Services industry. The Related Stocks section lists sector peers for comparison.
What does American Express Company do?
American Express is a global financial institution, operating in about 130 countries, that provides consumers and businesses charge and credit card payment products.
About American Express Company (AXP) Stock
American Express Company (AXP) is a US-listed stock operating in the Financial Services sector, specifically the Credit Services industry. As of the latest update, American Express Company is trading at $313.59, down 0.09% on the day with a market capitalization of $211.4 billion. The financial health score for AXP is 18/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for AXP stock.
AXP Stock Analysis & Key Metrics
On PreMarketPrice, you can track American Express Company (AXP) across multiple dimensions:
- Pre-market price & movement: Real-time AXP stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Earnings calendar: Upcoming and past earnings reports for AXP, including EPS estimates, actual results, and surprise percentages.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for AXP with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for American Express Company across multiple reporting periods.
- Financial health score: A composite score of 18/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for AXP.
- Sector peers: Compare AXP against 6 other financial services stocks on key financial metrics.
Is AXP a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate American Express Company (AXP) as an investment. The financial health score of 18/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average. Earnings data reveals whether the company is meeting or beating analyst expectations.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.American Express Company (AXP) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.