Stocks · Financial Services · Financial - Credit Services
American Express Company AXP
$302.78 +0.23% Close, Oct 2, 2026 · NYSE · Market cap $204.47B
High qualityWeak trend
Next earnings report: Oct 23, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 27.2% from 16.7% a year earlier.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
- Revenue over the last four quarters was $84.07B, up 9.4% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth55Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 40%
- EPS growth (TTM, YoY)Bottom 46%
- FCF growth (TTM, YoY)Top 37%
- Revenue growth, 3-year CAGRBottom 43%
- Revenue growth accelerationTop 48%
Quality95Exceptional
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 9%
- Gross marginTop 10%
- Operating marginTop 36%
- Cash conversion (OCF / net income)Top 26%
- Accruals (lower is better)Top 24%
- Net debt / EBITDA (lower is better)Top 41%
- Interest coverTop 27%
Value67Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 44%
- Free-cash-flow yieldBottom 46%
- EBITDA / enterprise valueTop 23%
- Sales / enterprise valueTop 36%
- P/E vs own 5-year history (lower is better)Top 40%
Momentum16Very weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 29%
- 6-month returnBottom 24%
- 1-year return vs S&P 500Bottom 24%
- Distance from 52-week highBottom 21%
- Trend checklist (0–4)Bottom 9%
Revisions57Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 42%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyBottom 41%
- Upside to consensus price targetTop 29%
Stability34Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 44%
- Maximum drawdown, 3 yearsBottom 49%
- Beta vs S&P 500 (lower is better)Bottom 11%
- Net debt / EBITDA (lower is better)Top 41%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 9.4% | 9.4% | ↓ |
| EPS growth (YoY) | 11.9% | 16.0% | ↑ |
| Gross margin | 82.5% | 84.3% | ↑ |
| Operating margin | 16.7% | 27.2% | ↑ |
| FCF margin | 14.4% | 17.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 9.4% | 9.4% | ↓ | Top 40% |
| EPS growth (TTM, YoY) | 16.0% | 11.9% | ↑ | Bottom 46% |
| Gross margin | 84.3% | 82.5% | ↑ | Top 10% |
| Operating margin | 27.2% | 16.7% | ↑ | Top 36% |
| Net margin | 13.6% | 13.2% | ↑ | — |
| Free-cash-flow margin | 17.9% | 14.4% | ↑ | — |
| Return on invested capital | 13.0% | — | Top 9% | |
| Revenue growth, 3-year CAGR | 13.1% | — | Bottom 43% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.61×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -2.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.7%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.56×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 2.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.18%
- Net buyback yield (TTM)
- 3.63%
- Shareholder yield
- 4.81%
- Share count change, 1 year
- -3.0%
- Share count change, 3-year CAGR
- -2.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 24, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +3.2%
- Average 2-day reaction, last 8
- -1.3%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $373.55
- Target vs current price
- +23.4%
- Analysts with a rating
- 57
- Share rating Buy or Strong Buy
- 40%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 24, 2026 | +2.7% | -4.3% | -1.0% | -2.8% | — |
| Apr 23, 2026 | +7.0% | -4.3% | -5.2% | -6.9% | +5.7% |
| Jan 30, 2026 | -0.3% | -1.8% | -1.1% | -13.8% | -11.1% |
| Oct 17, 2025 | +3.5% | +7.3% | +9.8% | +12.9% | +10.8% |
| Jul 18, 2025 | +4.9% | -2.3% | -2.3% | -2.4% | +0.3% |
| Apr 17, 2025 | +4.9% | -0.6% | +5.7% | +18.4% | +22.8% |
| Jan 24, 2025 | +1.3% | -1.4% | -2.1% | -9.4% | -25.6% |
| Oct 18, 2024 | +6.4% | -3.1% | -5.5% | +0.9% | +9.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 24, 2026 | $4.53 | $4.41 | +2.7% | $19.64B |
| Apr 23, 2026 | $4.28 | $4.00 | +7.0% | $18.91B |
| Jan 30, 2026 | $3.53 | $3.54 | -0.3% | $18.98B |
| Oct 17, 2025 | $4.14 | $4.00 | +3.5% | $18.43B |
| Jul 18, 2025 | $4.08 | $3.89 | +4.9% | $17.86B |
| Apr 17, 2025 | $3.64 | $3.47 | +4.9% | $16.97B |
| Jan 24, 2025 | $3.04 | $3.00 | +1.3% | $17.18B |
| Oct 18, 2024 | $3.49 | $3.28 | +6.4% | $16.64B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 18.3× | 19.0× | 43th | Bottom 44% |
| P/E (forward) | 17.2× | — | — | — |
| EV / EBITDA | 8.8× | — | — | Top 23% |
| EV / Sales | 2.60× | — | — | Top 36% |
| Free-cash-flow yield | 7.36% | — | — | Bottom 46% |
| Earnings yield | 5.46% | — | — | Bottom 44% |
P/E over the past five years
Range 13.3× – 23.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -7.8%
- Earnings per share growth (TTM)
- +16.0%
- Change in P/E multiple
- -8.7%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -4.2%
- 200-day average slope (20 days)
- -1.5%
- Distance from 50-day average
- -7.5%
- Distance from 200-day average
- -8.9%
- RSI (14)
- 32.8
- Relative volume
- 0.84×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 21.8%
- Volatility vs own 5-year history
- 14th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.24
- Correlation with S&P 500
- 0.69
- Current drawdown from 1-year high
- -21.3%
- Maximum drawdown, 3 years
- -29.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 16, 2022 | Sep 30, 2022 | -32.0% | 156 days | 331 days (Jan 26, 2024) |
| Jan 23, 2025 | Apr 8, 2025 | -29.0% | 52 days | 59 days (Jul 3, 2025) |
| Dec 11, 2025 | Mar 27, 2026 | -24.1% | 72 days | Not yet recovered |
| Oct 22, 2021 | Dec 1, 2021 | -19.8% | 27 days | 46 days (Feb 7, 2022) |
| Oct 12, 2020 | Oct 29, 2020 | -14.6% | 13 days | 7 days (Nov 9, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $204.47B
- P/E (TTM)
- 18.3
- EPS, diluted (TTM)
- $16.53
- Revenue (TTM)
- $84.07B
- Dividend yield
- 1.48%
- 52-week range
- $290.97 – $387.49
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $44.43B | $55.63B | $67.36B | $74.20B | $80.46B |
| Gross profit | $44.57B | $50.68B | $55.59B | $60.76B | $66.97B |
| Operating income | $10.69B | $9.59B | $10.51B | $12.89B | $13.79B |
| Net income | $8.06B | $7.51B | $8.37B | $10.13B | $10.83B |
| EPS (diluted) | $10.02 | $9.84 | $11.21 | $14.02 | $15.38 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $18.78B | $19.22B | $18.93B | $19.93B | $20.56B | $21.04B | $20.88B | $21.59B |
| Net income | $2.51B | $2.17B | $2.58B | $2.88B | $2.90B | $2.46B | $2.97B | $3.11B |
| EPS (diluted) | $3.49 | $3.04 | $3.64 | $4.08 | $4.14 | $3.53 | $4.28 | $4.58 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $14.64B | $21.08B | $18.56B | $14.05B | $18.43B |
| Capital expenditure | -$1.55B | -$1.85B | -$1.56B | -$1.91B | -$2.42B |
| Free cash flow | $13.10B | $19.22B | $17.00B | $12.14B | $16.00B |
| Dividends paid | -$1.45B | -$1.56B | -$1.78B | -$2.00B | -$2.27B |
| Net share buybacks | -$7.59B | -$3.45B | -$3.62B | -$5.92B | -$5.76B |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $45.56B
- Total assets
- $308.20B
- Total liabilities
- $273.92B
- Total debt
- $59.05B
- Net debt
- $13.81B
- Shareholders’ equity
- $34.28B
As of Jun 30, 2026 (filed Jul 24, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 9, 2026 | $0.95 | Nov 10, 2026 |
| Jul 2, 2026 | $0.95 | Aug 10, 2026 |
| Apr 2, 2026 | $0.95 | May 8, 2026 |
| Jan 2, 2026 | $0.82 | Feb 10, 2026 |
| Oct 10, 2025 | $0.82 | Nov 10, 2025 |
| Jul 3, 2025 | $0.82 | Aug 8, 2025 |
| Apr 4, 2025 | $0.82 | May 9, 2025 |
| Jan 3, 2025 | $0.70 | Feb 10, 2025 |
Short interest
- Shares sold short
- 10,777,036
- Days to cover
- 4.65
- Change vs previous report
- +3.4%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Oct 3, 2005
- 10,000-for-8,753
- May 11, 2000
- 3-for-1
- May 31, 1994
- 400-for-353
- May 11, 1987
- 2-for-1
- Aug 11, 1983
- 3-for-2