American Express Stock Analysis

AXP Stock  USD 353.67  4.04  1.16%   
Below is the normalized historical share price chart for American Express extending back to November 05, 1984. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of American Express stands at 353.67, as last reported on the 6th of February, with the highest price reaching 357.33 and the lowest price hitting 347.54 during the day.
IPO Date
1st of June 1972
200 Day MA
328.9872
50 Day MA
367.9256
Beta
1.128
 
Black Monday
 
Oil Shock
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
American Express holds a debt-to-equity ratio of 1.837. At this time, American Express' Interest Debt Per Share is relatively stable compared to the past year. As of 02/06/2026, Debt To Assets is likely to grow to 0.35, while Short Term Debt is likely to drop slightly above 1.3 B. American Express' financial risk is the risk to American Express stockholders that is caused by an increase in debt.

Asset vs Debt

Equity vs Debt

American Express' liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. American Express' cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps American Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect American Express' stakeholders.
For many companies, including American Express, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for American Express, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, American Express' management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
7.1651
Price Sales
3.6377
Shares Float
533.1 M
Dividend Share
3.28
Wall Street Target Price
375.6783
At this time, American Express' Common Stock Shares Outstanding is relatively stable compared to the past year. As of 02/06/2026, Other Stockholder Equity is likely to grow to about 35.1 B, while Common Stock is likely to drop slightly above 96.1 M. . At this time, American Express' Price To Sales Ratio is relatively stable compared to the past year. As of 02/06/2026, Price Book Value Ratio is likely to grow to 8.07, while Price To Free Cash Flows Ratio is likely to drop 12.44.
American Express is fairly valued with Real Value of 354.06 and Target Price of 375.68. The main objective of American Express stock analysis is to determine its intrinsic value, which is an estimate of what American Express is worth, separate from its market price. There are two main types of American Express' stock analysis: fundamental analysis and technical analysis.
The American Express stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. American Express is usually not traded on Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day ( substitute day ), Independence Day. American Stock trading window is adjusted to America/New York timezone.
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in American Express. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in median.
To learn how to invest in American Stock, please use our How to Invest in American Express guide.

American Stock Analysis Notes

About 22.0% of the company shares are held by company insiders. The company has Price/Earnings To Growth (PEG) ratio of 1.77. American Express recorded earning per share (EPS) of 15.56. The entity last dividend was issued on the 2nd of January 2026. The firm had 10000:8753 split on the 3rd of October 2005. American Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide. American Express Company was founded in 1850 and is headquartered in New York, New York. American Express operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 64000 people. For more info on American Express please contact Anre Williams at (212) 640-2000 or go to https://www.americanexpress.com.

American Express Investment Alerts

American Express generated a negative expected return over the last 90 days
About 65.0% of the company shares are held by institutions such as insurance companies
Latest headline from apnews.com: Koepka to make 2nd start of PGA Tour return at Phoenix Open

American Largest EPS Surprises

Earnings surprises can significantly impact American Express' stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2009-10-22
2009-09-300.380.440.0615 
2009-04-23
2009-03-310.140.20.0642 
2009-01-26
2008-12-310.150.210.0640 
View All Earnings Estimates

American Express Environmental, Social, and Governance (ESG) Scores

American Express' ESG score is a quantitative measure that evaluates American Express' performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of American Express' operations that may have significant financial implications and affect American Express' stock price as well as guide investors towards more socially responsible investments.

American Express Thematic Classifications

In addition to having American Express stock in your portfolios, you can add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your favorite investment opportunity, you can then obtain an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility. If you are a result-oriented investor, you can benefit from optimizing one of our existing themes to build an efficient portfolio against your specific investing outlook.
FinTech Idea
FinTech
A collection of large financial service, investment, and banking companies
Blockchain Idea
Blockchain
Cross-industry collection of firms that are adopting blockchain technology
Dividend Beast Idea
Dividend Beast
Solid, dividend-paying stocks and ETFs
Warren Buffett Holdings Idea
Warren Buffett Holdings
Equities that Berkshire Hathaway invests in via either BRK-A or BRK-B common stocks

American Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Massachusetts Financial Services Company2025-06-30
7.4 M
T. Rowe Price Associates, Inc.2025-06-30
7.3 M
Northern Trust Corp2025-06-30
6.6 M
Norges Bank2025-06-30
5.9 M
Ubs Asset Mgmt Americas Inc2025-06-30
5.9 M
Nuveen, Llc2025-06-30
5.1 M
Capital World Investors2025-06-30
5.1 M
Artisan Partners Limited Partnership2025-06-30
4.6 M
Capital Research Global Investors2025-06-30
4.4 M
Berkshire Hathaway Inc2025-06-30
151.6 M
Vanguard Group Inc2025-06-30
46.4 M
Note, although American Express' institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

American Market Capitalization

The company currently falls under 'Mega-Cap' category with a total capitalization of 243.63 B.

American Profitablity

The company has Net Profit Margin of 0.16 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.18 %, which entails that for every 100 dollars of revenue, it generated $0.18 of operating income.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.04  0.02 
Return On Capital Employed 0.06  0.04 
Return On Assets 0.04  0.02 
Return On Equity 0.32  0.18 

Management Efficiency

American Express has Return on Asset of 0.0379 % which means that on every $100 spent on assets, it made $0.0379 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.3399 %, implying that it generated $0.3399 on every 100 dollars invested. American Express' management efficiency ratios could be used to measure how well American Express manages its routine affairs as well as how well it operates its assets and liabilities. As of 02/06/2026, Return On Tangible Assets is likely to drop to 0.02. In addition to that, Return On Capital Employed is likely to drop to 0.04. At this time, American Express' Non Current Liabilities Total is relatively stable compared to the past year. As of 02/06/2026, Change To Liabilities is likely to grow to about 10.6 B, while Total Current Liabilities is likely to drop slightly above 1.3 B.
Last ReportedProjected for Next Year
Book Value Per Share 48.16  50.57 
Tangible Book Value Per Share 48.16  50.57 
Enterprise Value Over EBITDA 16.09  22.10 
Price Book Value Ratio 7.68  8.07 
Enterprise Value Multiple 16.09  22.10 
Price Fair Value 7.68  8.07 
The management strategies employed by American Express' are designed to enhance shareholder value and ensure long-term growth. We assess the effectiveness of these strategies in our stock analysis.
Dividend Yield
0.0094
Operating Margin
0.1759
Profit Margin
0.1617
Forward Dividend Yield
0.0094
Beta
1.128

Technical Drivers

As of the 6th of February, American Express shows the mean deviation of 1.12, and Risk Adjusted Performance of 0.0014. American Express technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.

American Express Price Movement Analysis

The output start index for this execution was fourty-nine with a total number of output elements of twelve. The Moving Average is predictive technique used to analyze American Express price data points by creating a series of averages of different subsets of American Express entire price series.

American Express Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific American Express insiders, such as employees or executives, is commonly permitted as long as it does not rely on American Express' material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases American Express insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

American Express Outstanding Bonds

American Express issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. American Express uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most American bonds can be classified according to their maturity, which is the date when American Express has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

American Express Predictive Daily Indicators

American Express intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of American Express stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

American Express Corporate Filings

FWP
4th of February 2026
A written communication used by offering participants to offer securities to the public or to solicit securities transactions.
ViewVerify
F4
3rd of February 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
30th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
15th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
5th of January 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
16th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
15th of December 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
8th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify

American Express Forecast Models

American Express' time-series forecasting models are one of many American Express' stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary American Express' historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

American Express Bond Ratings

American Express financial ratings play a critical role in determining how much American Express have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for American Express' borrowing costs.
Piotroski F Score
6
HealthyView
Beneish M Score
(2.50)
Unlikely ManipulatorView

American Express Debt to Cash Allocation

American Express has 57.76 B in debt with debt to equity (D/E) ratio of 1.84, which is OK given its current industry classification. American Express has a current ratio of 1.59, which is typical for the industry and considered as normal. Nevertheless, prudent borrowing could serve as an effective mechanism for American to finance growth opportunities yielding strong returns.

American Express Common Stock Shares Outstanding Over Time

American Express Assets Financed by Debt

The debt-to-assets ratio shows the degree to which American Express uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

American Express Debt Ratio

    
  35.0   
It seems slightly above 65% of American Express' assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the American Express' operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of American Express, which in turn will lower the firm's financial flexibility.

American Express Corporate Bonds Issued

American Short Long Term Debt Total

Short Long Term Debt Total

55.22 Billion

At this time, American Express' Short and Long Term Debt Total is relatively stable compared to the past year.

About American Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how American Express prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling American shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as American Express. By using and applying American Stock analysis, traders can create a robust methodology for identifying American entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.17  0.13 
Operating Profit Margin 0.21  0.13 
Net Profit Margin 0.13  0.09 
Gross Profit Margin 0.63  0.68 

Current American Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. American analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. American analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceConsensus# of Analysts
375.68Buy30Odds
American Express current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most American analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand American stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of American Express, talking to its executives and customers, or listening to American conference calls.
American Analyst Advice Details

American Stock Analysis Indicators

American Express stock analysis indicators help investors evaluate how American Express stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading American Express shares will generate the highest return on investment. By understating and applying American Express stock analysis, traders can identify American Express position entry and exit signals to maximize returns.
Begin Period Cash Flow46.6 B
Common Stock Shares Outstanding696 M
Total Stockholder Equity33.5 B
Total Cashflows From Investing Activities-24.4 B
Tax ProvisionB
Quarterly Earnings Growth Y O Y0.164
Cash And Short Term Investments47.8 B
Cash47.8 B
Net Debt10 B
50 Day M A367.9256
Total Current Liabilities1.4 B
Other Operating Expenses63.9 B
Non Current Assets Total190.4 B
Forward Price Earnings19.9601
Non Currrent Assets Other41 B
Stock Based Compensation504 M

Additional Tools for American Stock Analysis

When running American Express' price analysis, check to measure American Express' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy American Express is operating at the current time. Most of American Express' value examination focuses on studying past and present price action to predict the probability of American Express' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move American Express' price. Additionally, you may evaluate how the addition of American Express to your portfolios can decrease your overall portfolio volatility.