American Express Company, together with its subsidiaries, operates as an integrated payments company in the United States, Europe, the Middle East and Africa, the Asia Pacific, Australia, New Zealand, Latin America, Canada, the Caribbean, and internationally. It operates through four segments: U.
$326.16
▼ -$3.66 (-1.11%)Today
Open
$327.43
High
$328.54
Low
$325.68
Volume
2M
$290.9752-Week Range$387.49
Current: $326.16 · Mid Range
MARKET CAP
$220.3B
P/E (TTM)
19.8x
P/B RATIO
6.4x
ROE
34.4%
EPS (TTM)▲ 12.8% Rev YoY
$16.47
DIVIDEND YIELD
1.17%
BETA
1.05
Market-correlated
Company Info
Industry
Credit Services
Country
United States
Leadership
MS
Mr. Stephen Joseph Squeri
Chief Executive Officer
Stock Score
Best Value45/ 100
Val
49
Grw
49
Qly
33
Value 40%·Growth 35%·Quality 25%
Price History
$326.16▲ $0.75 (0.23%)
Overlays
Oscillators
Generating analysis...
01 / Income Statement
Income Statement
Revenue & Margin Trend
| Period | Revenue | OpEx | EBITDA | Net Income | EPS |
|---|---|---|---|---|---|
| 2022 | $52.86B | N/A | N/A | $7.51B | $9.85 |
| 2023 | $60.52B▲ | N/A | N/A | $8.37B▲ | $11.21 |
| 2024 | $65.95B▲ | N/A | N/A | $10.13B▲ | $14.01 |
| 2025 | $72.23B▲ | N/A | N/A | $10.83B▲ | $15.38 |
02 / Balance Sheet
Balance Sheet
Cash & Equivalents
$47.71B
Total Debt
$57.76B
Assets Distribution
Current Assets
Non-Current Assets
Liabilities & Equity
Current Liabilities
Non-Current Liabilities
Equity
03 / Cash Flow
Cash Flow
Positive free cash flow of $16B — 87% of operating cash flow.
Operating CF
$18.4B
Free Cash Flow
$16B
Investing CF
-$22.9B
Financing CF
$11.2B
Cash Flow Mix
Operating Cash$18.4B
Investing Cash-$22.9B
Financing Cash$11.2B
Net Change$6.7B
FCF Generation
The company converts 87% of operating cash flow into free cash flow, providing ample flexibility for capital allocation.
CapEx Burden
Capital expenditures consume $22.9B of operating cash. Monitor for maintenance vs. growth CapEx split.
Is the cash flow sustainable?
Positive Free Cash Flow
The company has flexibility for dividends, buybacks, debt reduction, or reinvestment in growth opportunities.
04 / Financial Ratios
Financial Ratios
Profitability
Gross Margin
0.0%
Gross Profit / Revenue
Operating Margin
0.0%
Op. Income / Revenue
Net Margin
15.0%
Net Income / Revenue
ROIC
11.9%
Return on Invested Capital
Liquidity & Leverage
Current Ratio
1.43x
Current Assets / Current Liab.
Cash Ratio
0.23x
Cash / Current Liab.
Debt-to-Equity
1.73
Total Debt / Equity
Asset Turnover
0.24
Revenue / Total Assets
Returns
ROE
34.4%
Return on Equity
ROA
3.8%
Return on Assets
EPS (TTM)
$16.47
Earnings Per Share
06 / Historical Trends
Historical Trends
Revenue
+11.0% CAGRNet Income
+13.0% CAGREPS
+16.0% CAGR05 / Dividends
Dividends & Yield
Dividend Yield
1.17%
Annual
Annual Dividend
$3.82
Per Share
Payout Ratio
23.2%
Div / EPS
Est. Div Growth
+5.1%
Approx. YoY
Dividend Safety Assessment
The payout ratio of 23% suggests ample room for dividend growth and sustainability. The company retains over half of its earnings for reinvestment.
Recent Dividend Payments
| Date | Amount |
|---|---|
| 2026-07-02 | $0.95 |
| 2026-04-02 | $0.95 |
| 2026-01-02 | $0.82 |
| 2025-10-10 | $0.82 |
| 2025-07-03 | $0.82 |
| 2025-04-04 | $0.82 |
| 2025-01-03 | $0.70 |
| 2024-10-04 | $0.70 |
| 2024-07-05 | $0.70 |
| 2024-04-04 | $0.70 |
Institutional Ownership
Moderate Institutional Support
Top 3 institutional holders control 33.9% of shares, providing a stable foundation of institutional capital.
Retail Influence
Lower institutional concentration means retail sentiment and broader market trends may drive price action more noticeably.
Top Institutional Holders
Berkshire Hathaway, Inc22.45%
151.61M shares
Blackrock Inc.6.22%
42.01M shares
Vanguard Capital Management LLC5.21%
35.22M shares
State Street Corporation4.31%
29.1M shares
JPMORGAN CHASE & CO3.03%
20.46M shares
Top ETFs Holding
VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund2.57%
17.33M shares
VANGUARD INDEX FUNDS-Vanguard 500 Index Fund2.04%
13.79M shares
iShares Trust-iShares Core S&P 500 ETF1.08%
7.32M shares
Fidelity Concord Street Trust-Fidelity 500 Index Fund1.02%
6.88M shares
SPDR S&P 500 ETF TRUST-State Street SPDR S&P 500 ETF Trust0.96%
6.45M shares
07 / Market Events
Market Events
Upcoming Earnings
OCT
23FRI
DateOct 23, 2026
DayFriday
Revenue Est.$20.1B
EPS Est.$4.54
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2005-10-03 | Forward | 10000:8753 |
| 2000-05-11 | Forward | 3:1 |
| 1994-05-31 | Forward | 10000:8825 |
| 1987-05-11 | Forward | 2:1 |
| 1983-08-11 | Forward | 3:2 |
08 / Market Intelligence
Market Intelligence
Analyst Consensus
Consensus (30 Ratings)
Buy
Strong Buy
5
Buy
9
Hold
15
Sell
1
Strong Sell
0
Recent Insider Trades
HERENA MONIQUE
Officer
Sale
8,811 shs
MCNEAL GLENDA G
Officer
Sale
7,033 shs
JOABAR RAYMOND D
Officer
Sale
40 shs
LIEBERMAN QUINN JESSICA
Officer
Sale
3,032 shs
Price Targets
Upside to Mean+15.3%
$315$376$450
Low
$315.00
Mean
$375.96
Median
$382.00
High
$450.00
Earnings History
Beat Rate
3/4
Avg Surprise
+3.4%
| Period | Est. EPS | Act. EPS | Surprise |
|---|---|---|---|
| 2025-09 | $4.00 | $4.14 | +3.6% |
| 2025-12 | $3.53 | $3.53 | -0.1% |
| 2026-03 | $3.99 | $4.28 | +7.2% |
| 2026-06 | $4.40 | $4.53 | +2.9% |