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American Express Co.
AXPFinancialsGenerated Sep 5, 2026, 01:34 PM UTC
AXP (American Express Co.) analytical snapshot. Revenue grew +6.4% YoY to $41.30B. Net margin at 26.23% (expanding ▲). Return on equity 32.36%, ROA 3.61%, ROIC 0.00%. Market cap $220.26B at $326.16 per share. Trailing P/E 21.21, P/S 5.33, P/B 6.43. EV/Operating income ≈ 85.47 (EV $233.84B). Risk: Moderate. Macro: Risk-on · Supportive. Composite analytical score 5 (data confidence 82%). Descriptive analytics from public filings — not investment advice.
Free SEC analysis
— computed from SEC filings, free to readFilings & Ownership
Latest annual report (10-K) filed Feb 6, 2026. Latest quarterly report (10-Q) filed Jul 24, 2026. 21 recent 8-K material-event filings in the index.
- Latest annual report (10-K) filed Feb 6, 2026.
- Latest quarterly report (10-Q) filed Jul 24, 2026.
- 21 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 1 sell transactions — net selling $3.0M.
- ~10,000+ recent 13F-HR filings reference American Express Co.; broad institutional reporting.
- Recent filers include BERKSHIRE HATHAWAY INC (BRK-A, BRK-B), BERKSHIRE HATHAWAY INC (BRK-A, BRK-B), BERKSHIRE HATHAWAY INC (BRK-A, BRK-B).
- 20 recent 13G passive institutional ownership notices.
| Filer | Form | Filed |
|---|---|---|
| BERKSHIRE HATHAWAY INC (BRK-A, BRK-B) | 13F-HR | Feb 14, 2022 |
| BERKSHIRE HATHAWAY INC (BRK-A, BRK-B) | 13F-HR | Aug 16, 2021 |
| BERKSHIRE HATHAWAY INC (BRK-A, BRK-B) | 13F-HR | Nov 15, 2021 |
| BERKSHIRE HATHAWAY INC (BRK-A, BRK-B) | 13F-HR | May 17, 2021 |
| BERKSHIRE HATHAWAY INC (BRK-A, BRK-B) | 13F-HR | Feb 16, 2021 |
| Insider | Date | Net | Buys/Sells |
|---|---|---|---|
| Herena Monique | Aug 19, 2026 | -$3.0M | 0/1 |
| Date | Form | Description |
|---|---|---|
| Aug 17, 2026 | 8-K | 8-K |
| Aug 12, 2026 | 8-K | 8-K |
| Aug 5, 2026 | 8-K | 8-K |
| Jul 24, 2026 | 8-K | 8-K |
| Jul 15, 2026 | 8-K | 8-K |
| Jun 25, 2026 | 8-K | 8-K |
| Jun 17, 2026 | 8-K | 8-K |
| Jun 15, 2026 | 8-K | 8-K |
SEC Filing Deep-Analysis
1 risk signal(s), 1 positive signal(s) detected from XBRL filing diff analysis. 1 positive signal(s) versus 1 risk signal(s). The filing exhibits more constructive indicators than concerns, though individual risk factors should still be monitored.
- Restatement of financial statements: The term "restatement of" "previously issued" appears in 5 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- Operating cash flow exceeds net income: OCF is 1.70x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
- Endogenous analysis: 1 positive signal(s) versus 1 risk signal(s). The filing exhibits more constructive indicators than concerns, though individual risk factors should still be monitored.
- 5 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- Ongoing high-severity risk language: Restatement of financial statements.
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $38.83B | $41.30B | $2.48B | +6.4% |
| Operating income | $5.41B | $2.74B | $-2.67B | -49.4% |
| Net income | $10.13B | $10.83B | $704.0M | +7.0% |
| Operating cash flow | $14.05B | $18.43B | $4.38B | +31.2% |
| Capex | $1.91B | $2.42B | $514.0M | +26.9% |
| Total assets | $271.46B | $300.05B | $28.59B | +10.5% |
| Total liabilities | $241.20B | $266.58B | $25.38B | +10.5% |
| Long-term debt | $49.72B | $56.39B | $6.67B | +13.4% |
| Cash & equivalents | $40.64B | $47.79B | $7.15B | +17.6% |
| Stockholders equity | $30.26B | $33.47B | $3.21B | +10.6% |
| Accounts receivable | $55.32B | $56.79B | $1.47B | +2.7% |
| Interest expense | $2.76B | $6.85B | $4.09B | +147.9% |
| Type | Concepts |
|---|---|
| Added | CapitalLeaseObligationsIncurred, ContributionOfProperty, DerivativeCreditRiskValuationAdjustmentDerivativeAssets, DerivativeCreditRiskValuationAdjustmentDerivativeLiabilities, InformationTechnologyAndDataProcessing |
| Removed | AllocatedShareBasedCompensationExpense, AmortizationOfIntangibleAssets, AmountOfRestrictedNetAssetsForConsolidatedAndUnconsolidatedSubsidiaries, AssetsFairValueDisclosure, BankOverdrafts, BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum, BankingRegulationSupplementaryLeverageRatioCapitalAdequacyMinimum, CapitalRequiredForCapitalAdequacyToRiskWeightedAssets, CommonStockCapitalSharesReservedForFutureIssuance, ConcentrationRiskCreditRiskFinancialInstrumentMaximumExposure |
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Restatement of financial statements | high | 5 | 2 | Ongoing |
| Impairment charge | medium | 5 | 1 | Ongoing |
| Restructuring | medium | 5 | 8 | Ongoing |
| Off-balance sheet arrangements | medium | 5 | 8 | Ongoing |
| Related party transactions | low | 4 | 0 | NEW |
Fundamentals
Revenue grew +6.4% YoY to $41.30B. Net margin at 26.23% (expanding ▲). Return on equity 32.36%, ROA 3.61%, ROIC 0.00%.
- Revenue grew +6.4% YoY to $41.30B.
- Net margin at 26.23% (expanding ▲).
- Return on equity 32.36%, ROA 3.61%, ROIC 0.00%.
- Gross margin 0.00%, operating margin 0.00%.
- Free cash flow margin 38.74% ($16.00B).
- Net income up ▲ +7.0% YoY.
- Debt/equity 1.66, current ratio —, net debt $13.58B.
- Asset turnover 0.13 — capital efficiency.
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2024 | $38.83B | +4.3% | 0.00 | 0.00 | 26.09 | $12.14B | 33.47 |
| 2025 | $41.30B | +6.4% | 0.00 | 0.00 | 26.23 | $16.00B | 32.36 |
Pro analysis — preview
— score, signals & key metrics shown; full reasoning lockedValuation
Market cap $220.26B at $326.16 per share. Trailing P/E 21.21, P/S 5.33, P/B 6.43. EV/Operating income ≈ 85.47 (EV $233.84B).
- Market cap $220.26B at $326.16 per share.
Price & Technicals
Price $326.16 — downtrend (below 200-DMA); 1-month momentum negative. RSI(14) 37.97.
- Price $326.16 — downtrend (below 200-DMA); 1-month momentum negative.
Macro & Rates
Risk-on · Supportive. Real GDP growth 1.50% (quarterly, as of Apr 1, 2026). CPI inflation +3.3% YoY. Fed funds rate 3.63%, 10Y Treasury 4.77%.
- Market regime: Risk-on · Supportive.
Risk Scorecard
Composite risk Moderate. Leverage debt/equity 1.66 (moderate). Earnings stability: net-margin stdev 5.04pp over 12y.
- Composite risk: Moderate.
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Macro exposure
Rate-sensitive · High sensitivityMacro regime: Risk-on · Supportive. American Express Co. is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.
Analytical read
deterministic previewRevenue grew **+6.4%** YoY to $41.30B..
Peer comparison
Rate-sensitive groupHow AXP stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| CME Group Inc. CME | 32 | Neutral |
| Allstate Corp. ALL | 28 | Neutral |
| Mastercard Inc. MA | 27 | Neutral |
| Visa Inc. V | 24 | Neutral |
| Charles Schwab Corp. SCHW | 19 | Neutral |
| Capital One Financial COF | 19 | Neutral |
| Digital Realty Trust DLR | 11 | Neutral |
| U.S. Bancorp USB | 10 | Neutral |
| Simon Property Group SPG | 10 | Neutral |
| Chubb Ltd. CB | 8 | Neutral |
| Dominion Energy D | 8 | Neutral |
| Travelers Cos. TRV | 7 | Neutral |
| MetLife Inc. MET | 7 | Neutral |
| American Express Co. AXP● you | 5 | Neutral |
| Moody's Corp. MCO | 5 | Neutral |
| Welltower Inc. WELL | 5 | Neutral |
| JPMorgan Chase & Co. JPM | 4 | Neutral |
| Wells Fargo & Co. WFC | 1 | Neutral |
| PNC Financial Services PNC | 1 | Neutral |
| Truist Financial TFC | 1 | Neutral |
| Bank of America Corp. BAC | 0 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Marsh & McLennan MMC | 0 | Neutral |
| Equity Residential EQR | 0 | Neutral |
| Citigroup Inc. C | -2 | Neutral |
| BlackRock Inc. BLK | -2 | Neutral |
| Prologis Inc. PLD | -2 | Neutral |
| Goldman Sachs Group GS | -4 | Neutral |
| American Tower Corp. AMT | -4 | Neutral |
| S&P Global SPGI | -5 | Neutral |
| American Water Works AWK | -8 | Neutral |
| Public Storage PSA | -9 | Neutral |
| American Electric Power AEP | -9 | Neutral |
| Equinix Inc. EQIX | -10 | Neutral |
| Morgan Stanley MS | -11 | Neutral |
| Realty Income Corp. O | -12 | Neutral |
| NextEra Energy NEE | -13 | Neutral |
| Duke Energy Corp. DUK | -14 | Neutral |
| Xcel Energy XEL | -17 | Neutral |
| Exelon Corp. EXC | -17 | Neutral |
| Southern Company SO | -17 | Neutral |
| Crown Castle Inc. CCI | -21 | Neutral |
| American International Group AIG | -23 | Neutral |