80/100B321.03
USD
-3.88
(-1.19%)
Pre Open
Fair value336.03Plus-4%235Price 321.03461
Q4 FY2026 · Earnings report
EPS estimate 4.30Revenue estimate 20.81B
Q4 FY2026 · Earnings report
EPS estimate 4.30Revenue estimate 20.81B
If you had invested in American Express Company ago, it would be worth $5,612 today, against $4,128 in SPY and $6,186 in QQQ.
Arincen ScoreWhat is the Arincen Score? The Arincen Score grades a company out of 100 from 30 checks on its own reported figures, five checks in each of six parts.Beta
80/100
Six parts of the company, five checks each, from its own reported figures. A part scores the checks it passes out of 10; the score is their average out of 100.
Profitability10
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Cash10
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Valuation8
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Growth8
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Financial strength4
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Shareholders8
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Figures to FY2025; the price as of today.
American Express Company key facts
- StyleWhat does a stock's style mean? The style label sorts a stock as growth, value, dividend, blend or speculative, with a 1 to 10 meter showing how strongly it fits.
- Value stock · 7.4/10Growth 6.4 · Value 7.4 · Dividend 3.4
- Day range
- 319.58 – 326.56
- 52-week range
- 290.97 – 387.49
- Market capitalizationWhat is market capitalization? Market cap is what the stock market values a whole company at: its share price times the number of its shares outstanding.
- 215.27B USD
- P/EWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 18.06
- PEG ratioWhat is the PEG ratio? The PEG ratio divides the P/E by the yearly earnings growth analysts expect, to show how much you pay for each point of growth.
- 1.36
- EPSWhat is EPS (earnings per share)? EPS (earnings per share) is a company's net income divided by its number of shares: the profit that belongs to each share over a period.
- 17.78
- Div YieldWhat is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- 1.18%
- EPS growth forecast (FY2026)
- +19.2%
- Volume
- 0
- BetaWhat is beta in stocks? Beta measures how much a stock tends to move when the whole market moves: 1 moves with it, under 1 is calmer, over 1 swings more.
- 1.08
- ESG scoreWhat is an ESG score? An ESG score rates how a company handles the environment, its people and its governance, out of 100. Higher is better.
- 62.5/100Environment 63 · Social 65 · Governance 60
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- CEO
- Stephen Joseph Squeri
- Employees
- 77K
- Website
- americanexpress.com
- IPO date
- 1 Jun 1972
American Express Company earningsWhat is an earnings surprise? An earnings surprise is how far a company's reported EPS or revenue came above or below the analysts' average estimate, in percent.
Next earnings · Q4 FY2026
EPS estimate
4.30 USD
Revenue estimate
20.81B USD
Last quarter · Q3 FY2026
EPS4.68Beat +4.0%Revenue20.06BMissed -0.3%
Revenue
ReportedEstimate
EPS
ReportedEstimate
| Period | Report date | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|---|
| Q3 FY2027 | 5.23 | — | — | +11.80% | 21.81B | — | — | +8.69% | |
| Q2 FY2027 | 5.09 | — | — | +12.45% | 21.44B | — | — | +9.19% | |
| Q1 FY2027 | 4.74 | — | — | +10.84% | 20.57B | — | — | +8.81% | |
| Q4 FY2026 | 4.30 | — | — | +21.81% | 20.81B | — | — | +9.63% | |
| Q3 FY2026 | 4.50 | 4.68 | +4.00% | +13.04% | 20.12B | 20.06B | -0.29% | +8.88% | |
| Q2 FY2026 | 4.40 | 4.53 | +2.95% | +11.03% | 19.70B | 19.64B | -0.30% | +9.97% | |
| Q1 FY2026 | 4.00 | 4.28 | +7.00% | +17.58% | 18.61B | 18.91B | +1.60% | +11.43% | |
| Q4 FY2025 | 3.54 | 3.53 | -0.28% | +16.12% | 18.92B | 18.98B | +0.32% | +10.48% | |
| Q3 FY2025 | 4.00 | 4.14 | +3.50% | +18.62% | 18.05B | 18.43B | +2.09% | +10.76% | |
| Q2 FY2025 | 3.89 | 4.08 | +4.88% | +16.91% | 17.71B | 17.86B | +0.80% | +9.32% |
| Period | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|
| FY2028 | 23.18 | — | — | +14.88% | 94.07B | — | — | +8.56% |
| FY2027 | 20.17 | — | — | +9.94% | 86.65B | — | — | +9.10% |
| FY2026 | 18.35 | — | — | +19.24% | 79.43B | — | — | +9.97% |
| FY2025 | 15.42 | 15.39 | -0.18% | +15.28% | 72.17B | 72.23B | +0.09% | +9.52% |
| FY2024 | 14.03 | 13.35 | -4.83% | +19.09% | 65.94B | 65.95B | +0.01% | +8.99% |
| FY2023 | 11.26 | 11.21 | -0.46% | +13.92% | 60.73B | 60.51B | -0.36% | +15.12% |
| FY2022 | 10.00 | 9.84 | -1.55% | -1.50% | 52.94B | 52.56B | -0.71% | +21.81% |
American Express Company analyst forecastWhat is the analyst rating? The analyst rating sums up what the analysts covering a stock recommend, from strong buy to strong sell, by the share of them rating it a buy.
12-month price target
357.64 USD
+11.40%
Analysts' 1-year price targets range from 315.00 to 400.00, with an average of 357.64.
Past year
1-year forecast
Strong sellStrong buy
Hold
15 ratings
| Buy | 7 | |
| Hold | 7 | |
| Sell | 1 |
12-month price target
| Highest target | 400.00 |
| Average target | 357.64 |
| Lowest target | 315.00 |
| Current price | 321.03 |
American Express Company valuationWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- Price to earnings ratio (TTM)What is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 18.06
- Forward P/E (FY2026)What is the forward P/E ratio? Forward P/E divides a share's price by the earnings per share analysts expect in the coming year, rather than last year's actual earnings.
- 17.49
- Price to sales (TTM)What is the P/S ratio? The price-to-sales ratio compares a company's market value with its revenue over the last year: what you pay for each dollar of sales.
- 2.77
- Price to bookWhat is the P/B ratio? The price-to-book ratio compares a company's market value with its book value, the shareholders' equity on its balance sheet.
- 6.01
- EV / EBITDA (TTM)What is EV/EBITDA? EV/EBITDA compares a company's whole value, debt included and cash taken off, with a year of its earnings before interest, tax and depreciation.
- 8.63
Capital structureWhat is enterprise value? Enterprise value is what the whole business costs: the market value of its shares plus its debt minus its cash. It is the price behind EV/EBITDA.
Market capitalization
215.27B USD
+
Total debt
59.95B USD
−
Cash and short-term investments
43.20B USD
=
Enterprise value
232.02B USD
Valuation over time
P/EForward P/EForward P/E · EstimateEstimate
American Express Company against its own historyWhat does "against its own history" show? The company's latest margins, return on equity, growth, debt and P/E against its own last 5 years: the low, the median and the high, and whether this year is better or worse than usual.
Each figure in the latest fiscal year against the same figure from FY2021 to FY2025: the range, its median (the line) and the latest (the dot, green on the good side of the median). The P/E is today's against its daily readings of five years.
Its peers: Capital One Financial, El Paso Energy Capital Trust I PFD CV TR SECS, Mastercard, Visa, PayPal Holdings, and Global Payments, the US Financial - Credit Services companies closest to it in size, each in its own latest fiscal year: their median (the line) and its rank among them, first being the best.
- P/E (today)Below its median18.113.225.9
- Gross marginAt its median92.7%91.9%103.3%Against its peers: 2 of 7Peers' median 60.0%
- Operating marginAt its median19.1%17.4%24.8%Against its peers: 5 of 7Peers' median 23.5%
- Net marginAt its median15.0%13.8%18.7%Against its peers: 5 of 7Peers' median 17.0%
- Return on equityAt its median32.4%29.8%36.3%Against its peers: 3 of 7Peers' median 16.0%
- Free cash flow marginBelow its median22.2%18.4%36.4%Against its peers: 5 of 7Peers' median 32.1%
- Revenue growthBelow its median9.5%9.0%22.5%Against its peers: 5 of 7Peers' median 13.5%
- EPS growthBelow its median9.7%-1.8%165.8%Against its peers: 4 of 7Peers' median 6.8%
- Debt to EBITDAAt its median3.71×3.30×4.04×Against its peers: 4 of 7Peers' median 3.82×
- Current ratioAt its median0.280.270.33Against its peers: 5 of 7Peers' median 1.00
Peers: US companies of the same industry (of its sector when the industry has too few) from a tenth to ten times its market value, the six closest in size. Updated weekly.
American Express Company growth and profitabilityWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- Revenue (TTM)What does TTM (trailing twelve months) mean? TTM (trailing twelve months) is a figure over the latest twelve months of reports: usually the last four quarters added together.
- 77.59B USD
- Net income (TTM)What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
- 12.26B USD
- Gross marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- 93.90%
- Operating margin
- 30.36%
- Net margin
- 15.80%
Revenue / Net income
Revenue Net income Net margin
American Express Company revenue breakdown
By product
FY2025
48.0%Global Consumer Services Group23.3%Global Commercial Services17.9%International Card Services10.7%Global Merchant and Network Services
| Segment | Revenue | Share of revenue | Change on the year |
|---|---|---|---|
| Global Consumer Services Group | 34.81B | 48.0% | +10.8% |
| Global Commercial Services | 16.93B | 23.3% | +6.7% |
| International Card Services | 13.00B | 17.9% | +13.4% |
| Global Merchant and Network Services | 7.76B | 10.7% | +3.7% |
By region
FY2025
77.3%United States Geographic Region9.8%EMEA Geographic Region7.2%JAPA Geographic Region5.8%LACC Geographic Region
| Region | Revenue | Share of revenue | Change on the year |
|---|---|---|---|
| United States Geographic Region | 56.02B | 77.3% | +8.8% |
| EMEA Geographic Region | 7.07B | 9.8% | +13.8% |
| JAPA Geographic Region | 5.22B | 7.2% | +11.1% |
| LACC Geographic Region | 4.19B | 5.8% | +9.1% |
How American Express Company makes its moneyWhat is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
Global Consumer Services Group34.81B 48.2%
Global Commercial Services16.93B 23.4%
International Card Services13.00B 18.0%
Global Merchant and Network Services7.76B 10.7%
Revenue72.23B 100.0%
Cost of revenue5.26B 7.3%
Gross profit66.97B 92.7%
Selling and administration15.27B 21.1%
Other operating expenses37.91B 52.5%
Operating income13.80B 19.1%
Tax2.96B 4.1%
Net income10.83B 15.0%
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
American Express Company dividendsWhat is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- Annual dividend
- 3.80 USD
- Dividend yield (indicated)What is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- 1.18%
- Payout ratioWhat is the payout ratio? The payout ratio is the share of a company's earnings paid out as dividends: dividends per share divided by earnings per share (EPS).
- 20.64%
- Years of dividend growthWhat are years of dividend growth? The years in a row a company has raised its dividend per share. 25 years make an S&P 500 company a Dividend Aristocrat; 50 make a Dividend King.
- 5
- Frequency
- Quarterly
- Next payment
- 0.95 USD
- Last ex-dividend dateWhat is the ex-dividend date? The ex-dividend date is the first day a stock trades without its next dividend: buy before it to receive the payment; buy on or after it and the seller gets it.
- 9 Oct 2026
- Next payment date
- 10 Nov 2026
Dividends per share
American Express Company financial health
- Cash and short-term investments
- 43.20B USD
- Total debt
- 59.95B USD
- Net cash
- -16.75B USD
- Free cash flow (TTM)What is free cash flow (FCF)? Free cash flow is the cash a company's operations bring in minus what it spends on long-term assets (capex): cash left for debt, dividends and buybacks.
- 13.91B USD
- Current ratioWhat is the current ratio? The current ratio is current assets divided by current liabilities: whether what a company will turn into cash within a year covers what it owes within a year.
- 191.09
- Debt to equityWhat is the debt to equity ratio? Debt to equity is a company's total debt divided by its shareholders' equity: how much it has borrowed for each dollar its owners have in the business.
- 1.67
- Piotroski scoreWhat is the Piotroski F-Score? The Piotroski F-Score rates a company's financial strength from 0 to 9: one point for each of nine tests of profit, debt and efficiency it passes.
- 8 / 9
- Altman Z-scoreWhat is the Altman Z-Score? The Altman Z-Score rolls five financial ratios into one number that signals a company's risk of bankruptcy: over 3 is safe, under 1.8 is distress.
- 2.18
Cash, debt and free cash flow
Cash and short-term investments Total debt Free cash flow
American Express Company ownershipWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- InstitutionsWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- 84.70%
- Institutional holders
- 3,118 (+110)
- Free floatWhat is free float? Free float is the part of a company's shares that anyone can buy and sell: all its shares minus those held by insiders, founders and owners of over 5%.
- 99.88%
Who owns the shares
Institutions 84.7% Others 15.3%
As of 30 Jun 2026
Shares free to trade
Free float 669.73M shares ·99.9% Closely held 818.09K shares ·0.1%
Closely held shares belong to insiders, founders and owners of more than 5%, and seldom change hands. The free float is the rest: the shares anyone can buy and sell.
Insider trading
| Quarter | Purchases | Sales | Shares acquired | Shares disposed of |
|---|---|---|---|---|
| Q4 2026 | 0 | 8 | 603.79K | 828.34K |
| Q3 2026 | 0 | 1 | 868.69 | 8.81K |
| Q2 2026 | 0 | 1 | 9.72K | 7.03K |
| Q1 2026 | 0 | 13 | 617.91K | 337.24K |
Shares outstanding
Basic shares Diluted shares Change in diluted shares
Source: Financial Modeling Prep
Related Instruments News
Title: American Express Company
Sector: Financial Services
Industry: Financial - Credit Services
American Express is a global financial institution, operating in about 130 countries, that provides consumers and businesses with charge and credit card payment products. 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. Beyond payment products, the company's commercial business offers expense management tools, consulting services, and business loans.