StonkScan
OverviewRevenueFinancialsValuationOutlookOwnership
Price
Performance · vs S&P 500
Company
American Express Company
NYSE · USD
Mega cap
0.62× peer median
0.54× peer median
5% more volatile
Claude reads this page's data and writes up American Express Company's financials, valuation and analyst coverage: built only from the figures here, with nothing pulled in from elsewhere.
Generated by an AI model from the data on this page. It can be wrong, and it isn't investment advice or a recommendation to buy or sell anything. Check every figure against the sections themselves before you rely on it.
$48.5B of current assets against $170.8B due within a year: a shortfall of $122.3B.
Liquidity · FY25
24.1% in FY21 to 17.1% in FY25.
Profitability · FY25
$9.2B of net debt against $18.4B of annual operating cash flow.
Liquidity · FY25
$44.4B in FY21 to $80.5B in FY25, with the latest year up 8.4%, slower than the trend.
Growth · FY25
Free cash flow of $16.0B covers the business without outside capital, on $48.5B of cash and short-term investments.
Liquidity · FY25
$80.5B of revenue against $66.7B of operating costs, leaving $13.8B.
Profitability · FY25
$77.5B of free cash flow against $44.9B of net income across 5 fiscal years.
Quality · FY25
Revenue came in above consensus by 0.9% on average over the last four reports.
Quality · Jul '26
Dave Ramsey named three financial companies he personally refuses to touch, and one of them has quietly turned into a 470% stock winner over the last decade. Whether his blacklist is wisdom or a grudge depends entirely on one number hiding in your monthly statement.
American Express Company is a high-quality, wide-moat company trading at a discount to Mastercard and Visa, with a Buy rating. AXP guides for 10% revenue growth through 2026, driven by strong Gen Z and Millennial engagement and rising net card fees. Recent metrics show accelerating customer spending, particularly in travel, and robust acquisition of younger, higher-lifetime-value customers.
American Express maintains a Buy rating, driven by resilient premium card growth, robust credit quality, and strong capital returns. Fee-based card adoption remains high, with 70% of new accounts on annual-fee products and card fee revenue growing double digits for 32 consecutive quarters. AXP's customer base is getting younger, fueling embedded growth as Millennials and Gen Z now account for 65% of new U.S. consumer accounts.
Perhaps now more than ever, there are two parallel economies, with each one doing its own distinct thing.
American Express (AXP) reached $324.19 at the closing of the latest trading day, reflecting a -1.81% change compared to its last close.
American Express is growing its small-business franchise as new expense tools and card perks counter fintech pressure in the middle market.
Average month-end to month-end move for AXPin each calendar month. Point at a bar for that month's spread: past seasonality is a tendency in a small sample, not a forecast.
+$6.3B vs FY24
FY24 → FY25
FY21 → FY25, annualized
+9.4% vs the four before
Q2 FY26 · +8.3% YoY
Share of the latest fiscal year, largest first. The line is the segment across every fiscal year we have: hover it to read one. “Not broken out” is the remainder, pinned last whatever its size: the named segments reach 90% of reported revenue, and the rest was filed without a segment label at all.
No filing with a machine-readable geographic breakdown for AXP yet.
+8.4% YoY
+1.3 pp YoY
−0.3 pp YoY
+7.0% YoY
−0.2 pp YoY
+9.8% YoY
+31.8% YoY
+$120M YoY
| $ billions | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| Cash & equivalents | 47.7 | 40.6 | 46.5 | 33.5 | 21.5 |
| Short-term investments | 0.8 | 1.2 | 2.1 | 4.9 | 3.0 |
| Receivables | 0.0 | 0.0 | 0.0 | 0.0 | 2.7 |
| $ billions | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| Operating cash flow | 18.4 | 14.1 | 18.6 | 21.1 | 14.6 |
| Capital expenditure | −2.4 | −1.9 | −1.6 | −1.9 | −1.6 |
| Free cash flow | 16.0 | 12.1 | 17.0 |
P/E vs EPS growth · below the channel = cheaper for its growth
P/S vs revenue growth · below the channel = cheaper for its growth
| Ticker | P/E | Fwd P/E | PEG | P/S | Fwd P/S | PSG | EPS gr | Rev gr |
|---|---|---|---|---|---|---|---|---|
| AXP | 20.0 | 18.7 | 1.32 | 2.6 | 2.8 | 0.53 | 14% | 5% |
| V | 32.2 | 28.6 | 1.54 | 15.9 | 15.4 | 1.28 | 19% | 12% |
| MA | 32.2 | 29.4 | 1.68 | 14.6 | 13.8 | 1.08 | 18% | 13% |
| CAT | 34.3 | 29.4 | 1.09 | 4.9 | 4.6 | 0.35 | 27% | 13% |
| GS | 15.8 | 14.8 | 1.05 | 2.6 | 4.3 | - | 14% | -16% |
| WFC | 12.7 | 12.2 | 0.95 | 2.1 | 3.0 | - | 13% | -8% |
Dots = reported EPS vs consensus · gap = surprise · dashed = estimate ($)
Solid = reported · dashed = forward consensus · shaded = analyst low–high ($B)
Rows: discount rate (r) · Columns: terminal growth (g∞) · cell = fair value, shaded by up/downside vs 330.
Last 12M · $33M bought · $108M sold · net −$75M
| Inventory |
|---|
| 0.0 |
| 0.0 |
| 0.0 |
| 0.0 |
| 0.0 |
| Total current assets | 48.5 | 41.7 | 48.6 | 38.4 | 27.2 |
|---|
| Property, plant & equipment | 7.1 | 6.2 | 5.9 | 5.2 | 5.0 |
|---|
| Long-term investments | 221.1 | 209.4 | 193.6 | 171.0 | 145.2 |
|---|
| Other non-current assets | 23.3 | 14.2 | 13.0 | 13.7 | 11.2 |
|---|
| Total assets | 300.1 | 271.5 | 261.1 | 228.4 | 188.5 |
|---|
| Accounts payable | 14.7 | 13.9 | 13.1 | 12.1 | 10.6 |
|---|
| Short-term debt | 1.4 | 1.4 | 1.3 | 1.3 | 2.2 |
|---|
| Total current liabilities | 170.8 | 156.8 | 145.6 | 125.8 | 99.0 |
|---|
| Long-term debt | 56.4 | 49.7 | 47.9 | 42.6 | 38.7 |
|---|
| Total liabilities | 266.6 | 241.2 | 233.1 | 203.6 | 166.4 |
|---|
| Shareholders’ equity | 33.5 | 30.3 | 28.1 | 24.7 | 22.2 |
|---|
Fiscal year · latest five reported years
| 19.2 |
| 13.1 |
| Investing cash flow | −22.9 | −24.4 | −24.4 | −33.7 | −10.5 |
|---|
| Dividends paid | −2.3 | −2.0 | −1.8 | −1.6 | −1.4 |
|---|
| Share buybacks | −5.8 | −6.0 | −3.6 | −3.5 | −7.7 |
|---|
| Net debt issued / (repaid) | 6.2 | 2.0 | 4.9 | 3.6 | −3.4 |
|---|
| Financing cash flow | 11.2 | 4.4 | 18.4 | 24.5 | −14.9 |
|---|
| Net change in cash | 7.2 | −6.0 | 12.7 | 11.9 | −10.9 |
|---|
Fiscal year · outflows shown negative