AX
American Express Co
AXP—
American Express Co AI Insights
Informational only. Not investment advice.Snapshot
- ROE TTM of 33.9% vs industry median 10% - 3.4x advantage from high-yield card portfolio and capital-light model[Return on Equity]
- FCF TTM of 18.9B (27% of revenue) with capex under 3% - generates 7.5% FCF yield on 251B market cap[Free Cash Flow]
- EPS 5Y CAGR of 26% vs industry median 8% - 3x faster compounding despite mature business[EPS Growth 5 Year]
Watch Triggers
- Net Margin TTM: Falls below 12% — Credit losses or rate pressure compressing - current 15% has 300bps buffer
- Total Revenue 3 Year Growth: Decelerates below 7% — Premium spend thesis breaks if growth converges to industry 5%
- Interest Expense TTM: Exceeds 9B — Funding cost inflation directly hits EPS - 10% increase = 1B pretax drag
Bull Case
Capital return machine: 18.9B FCF TTM funds 2.34/share dividend plus buybacks at 7.7x book - can retire 7.5% of shares annually
Free Cash Flow TTMPrice to Book RatioDividends Paid Per Share TTM
Closed-loop moat: 70.4B revenue with 34% ROE shows pricing power competitors can't replicate without issuer+acquirer integration
Total Revenue TTMReturn on Equity TTMAsset Turnover TTM
Bear Case
Interest expense TTM of 8.2B (12% of revenue) vs industry median 34M - rate sensitivity magnified by funding model
Interest Expense TTMTotal DebtNet Margin TTM
P/E of 24x vs industry 12x prices in perfection - credit deterioration or spend slowdown has 2x downside vs peers
PE RatioPS RatioPrice to Book Ratio
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
60%
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Forward Thesis
Premium card spend resilience to support 10%+ revenue growth through economic cycle
1-3ymed
- Affluent cardholder base less sensitive to macro
- Closed-loop network captures full transaction economics
- Asset turnover 0.25 vs industry 0.04 shows capital efficiency
Revenue 3Y CAGR 10.9% vs industry 5.1%Net margin 15% stable through rate cycleROE 34% with 1.8x debt/equity
Valuation Context
Caveats
Public Strategies Rankings
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AXP Fundamentals
Finance and Insurance → Credit Intermediation and Related Activities
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$252.8B | — | ||
$258.56B | — | ||
24 | — | ||
$70.43B | +9.3% | — | |
$15.03 | +13.8% | — | |
0% | — | ||
15.0% | -0.4% | — | |
$18.94B | +43.6% | — | |
0.34 | -0.8% | — | |
Beta 5Y (Monthly) | unknown | — |
AXP Dividend History
105 dividends
2026
$0.820001/02/26$0.8200
2025
$3.160010/10/25$0.8200
07/03/25$0.8200
04/04/25$0.8200
01/03/25$0.7000
2024
$2.700010/04/24$0.7000
07/05/24$0.7000
04/04/24$0.7000
01/04/24$0.6000
2023
$2.320010/05/23$0.6000
07/06/23$0.6000
04/05/23$0.6000
01/05/23$0.5200
2022
$1.990010/13/22$0.5200
06/30/22$0.5200
04/07/22$0.5200
01/06/22$0.4300
2021
$1.720010/07/21$0.4300
07/01/21$0.4300
03/31/21$0.4300
01/07/21$0.4300
2020
$1.720010/08/20$0.4300
07/01/20$0.4300
04/02/20$0.4300
01/02/20$0.4300
2019
$1.600010/03/19$0.4300
07/03/19$0.3900
04/04/19$0.3900
01/03/19$0.3900
2018
$1.440010/04/18$0.3900
07/05/18$0.3500
04/05/18$0.3500
01/04/18$0.3500
2017
$1.310010/05/17$0.3500
07/05/17$0.3200
04/05/17$0.3200
01/04/17$0.3200
2016
$1.190010/05/16$0.3200
06/29/16$0.2900
04/06/16$0.2900
01/06/16$0.2900
2015
$1.100010/07/15$0.2900
06/30/15$0.2900
03/31/15$0.2600
01/07/15$0.2600
2014
$0.980010/01/14$0.2600
07/09/14$0.2600
04/02/14$0.2300
01/08/14$0.2300
2013
$0.860010/02/13$0.2300
07/02/13$0.2300
04/03/13$0.2000
01/02/13$0.2000
2012
$0.780010/03/12$0.2000
07/03/12$0.2000
04/03/12$0.2000
01/04/12$0.1800
2011
$0.720010/05/11$0.1800
06/29/11$0.1800
04/06/11$0.1800
01/05/11$0.1800
2010
$0.720010/06/10$0.1800
06/30/10$0.1800
03/30/10$0.1800
01/07/10$0.1800
2009
$0.720009/30/09$0.1800
06/30/09$0.1800
04/01/09$0.1800
01/07/09$0.1800
2008
$0.720010/01/08$0.1800
07/09/08$0.1800
04/09/08$0.1800
01/02/08$0.1800
2007
$0.600010/03/07$0.1500
07/03/07$0.1500
04/03/07$0.1500
01/03/07$0.1500
2006
$0.540010/04/06$0.1500
07/05/06$0.1500
04/05/06$0.1200
01/04/06$0.1200
2005
$0.480010/05/05$0.1200
06/29/05$0.1200
03/30/05$0.1200
01/05/05$0.1200
2004
$0.320010/06/04$0.1200
06/30/04$0.1000
03/31/04$0.1000
2003
$0.380012/30/03$0.1000
10/01/03$0.1000
07/01/03$0.1000
04/02/03$0.0800
2002
$0.400012/31/02$0.0800
10/02/02$0.0800
07/02/02$0.0800
04/03/02$0.0800
01/02/02$0.0800
2001
$0.320010/03/01$0.0800
07/03/01$0.0800
04/04/01$0.0800
01/03/01$0.0800
2000
$0.315010/04/00$0.0800
07/05/00$0.0800
04/20/00$0.0800
01/05/00$0.0750
AXP Stock Splits
1 stock split
05/11/000.333333:1 split
AXP SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
10/17/25 | 09/30/25 | 10-Q | |
07/18/25 | 06/30/25 | 10-Q | |
04/18/25 | 03/31/25 | 10-Q | |
02/07/25 | 12/31/24 | Unknown | |
10/18/24 | 09/30/24 | 10-Q | |
07/19/24 | 06/30/24 | 10-Q | |
04/19/24 | 03/31/24 | 10-Q | |
02/09/24 | 12/31/23 | 10-K | |
10/20/23 | 09/30/23 | 10-Q | |
07/25/23 | 06/30/23 | 10-Q | |
04/21/23 | 03/31/23 | 10-Q | |
02/10/23 | 12/31/22 | 10-K | |
10/21/22 | 09/30/22 | 10-Q | |
07/22/22 | 06/30/22 | 10-Q | |
04/22/22 | 03/31/22 | 10-Q | |
02/11/22 | 12/31/21 | 10-K | |
10/22/21 | 09/30/21 | 10-Q | |
07/23/21 | 06/30/21 | 10-Q | |
04/23/21 | 03/31/21 | 10-Q | |
02/12/21 | 12/31/20 | 10-K | |
10/23/20 | 09/30/20 | 10-Q | |
07/24/20 | 06/30/20 | 10-Q | |
04/24/20 | 03/31/20 | 10-Q | |
02/13/20 | 12/31/19 | 10-K | |
10/21/19 | 09/30/19 | 10-Q | |
07/23/19 | 06/30/19 | 10-Q | |
04/23/19 | 03/31/19 | 10-Q | |
02/13/19 | 12/31/18 | 10-K | |
10/23/18 | 09/30/18 | 10-Q | |
07/24/18 | 06/30/18 | 10-Q | |
04/25/18 | 03/31/18 | 10-Q | |
02/16/18 | 12/31/17 | 10-K | |
10/24/17 | 09/30/17 | 10-Q | |
07/25/17 | 06/30/17 | 10-Q | |
04/27/17 | 03/31/17 | 10-Q | |
02/17/17 | 12/31/16 | 10-K | |
10/25/16 | 09/30/16 | 10-Q | |
07/26/16 | 06/30/16 | 10-Q | |
04/27/16 | 03/31/16 | 10-Q | |
02/19/16 | 12/31/15 | 10-K | |
10/28/15 | 09/30/15 | 10-Q | |
07/29/15 | 06/30/15 | 10-Q | |
04/29/15 | 03/31/15 | 10-Q | |
02/24/15 | 12/31/14 | 10-K | |
10/28/14 | 09/30/14 | 10-Q | |
07/30/14 | 06/30/14 | 10-Q | |
04/29/14 | 03/31/14 | 10-Q | |
02/25/14 | 12/31/13 | 10-K | |
10/29/13 | 09/30/13 | 10-Q | |
07/29/13 | 06/30/13 | 10-Q | |
04/29/13 | 03/31/13 | 10-Q | |
02/22/13 | 12/31/12 | 10-K | |
10/31/12 | 09/30/12 | 10-Q | |
08/02/12 | 06/30/12 | 10-Q | |
05/01/12 | 03/31/12 | 10-Q | |
02/24/12 | 12/31/11 | 10-K | |
11/02/11 | 09/30/11 | 10-Q | |
08/03/11 | 06/30/11 | 10-Q | |
05/04/11 | 03/31/11 | 10-Q | |
02/28/11 | 12/31/10 | 10-K | |
11/03/10 | 09/30/10 | 10-Q | |
08/05/10 | 06/30/10 | 10-Q | |
05/05/10 | 03/31/10 | 10-Q | |
02/26/10 | 12/31/09 | 10-K | |
10/30/09 | 09/30/09 | 10-Q | |
08/03/09 | 06/30/09 | 10-Q | |
05/01/09 | 03/31/09 | 10-Q | |
02/27/09 | 12/31/08 | 10-K | |
10/31/08 | 09/30/08 | 10-Q | |
07/31/08 | 06/30/08 | 10-Q | |
05/02/08 | 03/30/08 | Unknown | -- |
02/28/08 | 12/31/07 | 10-K | |
11/09/07 | 09/30/07 | 10-Q | |
08/07/07 | 06/30/07 | 10-Q | |
05/09/07 | 03/31/07 | 8-K | |
03/01/07 | 12/31/06 | 10-K | |
11/09/06 | 09/30/06 | 10-Q | |
08/07/06 | 06/30/06 | 13F-HR | |
05/08/06 | 03/30/06 | Unknown | -- |
03/06/06 | 12/31/05 | 13F-HR | |
11/09/05 | 09/30/05 | 4 | |
08/03/05 | 06/30/05 | 10-Q | |
05/03/05 | 03/31/05 | 8-K | |
03/10/05 | 12/31/04 | 13F-NT | |
11/08/04 | 09/30/04 | 10-Q | |
07/30/04 | 06/30/04 | 8-K | |
05/10/04 | 03/30/04 | Unknown | -- |
03/12/04 | 12/31/03 | 13F-NT | |
11/14/03 | 09/30/03 | 4 | |
08/14/03 | 06/30/03 | 4 | |
05/15/03 | 03/30/03 | Unknown | -- |
03/27/03 | 12/31/02 | 13F-NT | |
11/13/02 | 09/30/02 | 10-Q | |
08/13/02 | 06/30/02 | 10-Q | |
05/14/02 | 03/30/02 | Unknown | -- |
04/01/02 | 12/31/01 | 8-K | |
11/14/01 | 09/30/01 | 8-K | |
08/14/01 | 06/30/01 | 13F-NT | |
05/15/01 | 03/30/01 | Unknown | -- |
03/30/01 | 12/31/00 | 13F-NT | |
11/13/00 | 09/30/00 | 10-Q | |
08/11/00 | 06/30/00 | 10-Q | |
05/15/00 | 03/30/00 | Unknown | -- |