AXP
American Express
$338.07
▲ 0.0%Updated Today 7:15 PM ET
▲ Up 14.0% over the last 12 months
Market Cap
$230.63B
P/E
20.59x
Forward P/E (est.)
18.42x
ROE
34.0%
Revenue Growth
9.4%
EPS Growth
11.8%
Profit Margin
14.1%
FCF Yield
3.8%
Debt / Equity
6.28x
ROIC
2.0%
Interest Coverage
0.41x
Current Ratio
—
Dividend Yield
1.1%
Implied Growth (rev. DCF)
1.9%
Rating Score
56/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what AXP's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. AXP trades near $338.07, above its 50-day average ($318.79) and 200-day average ($337.43). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 65 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. AXP's is $8.46 (~2.5% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month AXP found buyers near $300.03 (support) and sellers near $348.20 (resistance); its 52-week range is $288.34–$387.49. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.5× the 20-day average — heavier than usual, which adds conviction to the move. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
American Express (AXP) is a mega-cap company in the Consumer Finance industry, part of the Financials sector of the S&P 500, with a market value around $230.63B.
In its latest reported year it generated about $41.30B in revenue and $10.83B in net profit.
Our model rates AXP Neutral (56/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
10.5%
Revenue moved from $27.72B in 2021 to $41.30B in 2025, a 10.5% compound annual growth rate. The most recent year grew a steady 9.4% year over year. Slower, mature growth is common for established businesses.
Gross Margin
61.0%
Operating Margin
17.9%
Net Margin
26.2%
ROE
34.0%
American Express keeps about 14.1% of each sales dollar as net profit, with a 61.0% gross margin and 17.9% operating margin. Return on equity is 34.0% and return on invested capital about 2.0%. Margins are moderate — typical of a competitive but profitable business.
Total Debt
$58.75B
Net Debt
$15.31B
Net Debt / EBITDA
—
Debt / Equity
6.28x
Leverage: debt-to-equity is 6.3x, and operating profit covers interest about 0.4x. That is elevated leverage, which raises risk if earnings or rates move against it. It carries roughly $58.75B of total debt against $43.44B of cash.
Operating CF
$18.43B
Free Cash Flow
$16.00B
FCF Margin
38.7%
In the latest year American Express produced about $18.43B of operating cash flow and $16.00B of free cash flow after capital spending. That is a free-cash-flow yield of about 3.8% on today's price. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
P/E
20.59x
P/S
3x
P/B
7.55x
EV / EBITDA
53.66x
AXP trades at 20.6x trailing earnings (about 18.4x on estimated forward earnings), 3.0x sales, and 7.6x book value. Reverse-engineering today's price implies the market expects roughly 1.9% long-term free-cash-flow growth. That is a fairly typical valuation for a profitable company.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How AXP stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), AXP ranks #54 of 76 by our overall rating. It trades at a premium versus the sector on earnings (20.6x P/E vs. 15.2x median) with a higher return on equity (34.0% vs. 15.3%) and faster revenue growth (9.4% vs. 9.1%).
P/E vs sector
20.6x
median 15.2x
ROE vs sector
34.0%
median 15.3%
Growth vs sector
9.4%
median 9.1%
Sector rank
#54
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$314.81 – $508.54
vs. $338.07 today · expected CAGR -1% – 9%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $45.02B | $49.07B | $53.49B | $58.30B | $63.55B |
| Net income | $11.71B | $12.76B | $13.91B | $15.16B | $16.52B |
| EPS | $17.16 | $18.70 | $20.38 | $22.22 | $24.22 |
| Share price (low) | $223.02 | $243.09 | $264.97 | $288.82 | $314.81 |
| Share price (high) | $360.26 | $392.69 | $428.03 | $466.55 | $508.54 |
| CAGR (low–high) | -34% / 7% | -15% / 8% | -8% / 8% | -4% / 8% | -1% / 9% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for AXP:
- Strong return on equity (34.0%) shows capital is put to work well.
- As an established S&P 500 member in Financials, it brings scale and a long operating history.
The case against AXP:
- Elevated leverage (debt/equity 6.3x) adds financial risk.
- Interest coverage is thin (0.4x), so debt costs bite.
Balance-sheet risk — debt/equity of 6.3x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: American Express is a mega-cap financials business growing at a mature pace, with solid profitability, and a heavier debt load to watch. It trades at 20.6x earnings, which our model scores Neutral (56/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.