The Motley Fool·2 days ago
Is American Express Stock a Millionaire Maker?Young adults have become American Express's key growth engine. Popular premium charge and credit cards could help drive double-digit earnings growth.
American Express Company(AXP)Earnings, Financials & Key Ratios
AXP•NYSE
$349.58
22.7× P/E·Price updated Jul 7, 2026
AboutAmerican Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide. The company operates through three segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. Its products and services include payment and financing products; network services; accounts payable expense management products and services; and travel and lifestyle services. The company's products and services also comprise merchant acquisition and processing, servicing and settlement, point-of-sale marketing, and information products and services for merchants; and fraud prevention services, as well as the design and operation of customer loyalty programs. It sells its products and services to consumers, small businesses, mid-sized companies, and large corporations through mobile and online applications, third-party vendors and business partners, direct mail, telephone, in-house sales teams, and direct response advertising. American Express Company was founded in 1850 and is headquartered in New York, New York.Show more
- EBITDA$15.57B+6.9%
- Net Income$10.83B+7.0%
- EPS (Diluted)15.38+9.7%
- Gross Margin83.23%+1.6%
- EBITDA Margin19.35%-1.4%
- Operating Margin17.14%-1.3%
- Net Margin13.46%-1.4%
- ROE33.99%-2.1%
AXP Price & Volume
American Express Company (AXP) stock price & volume — 10-year historical chart
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Premium Network Scale Drives Consistent Revenue Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Strong
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Regulatory and T&E sensitivity
Key Thesis Takeaways
- American Express demonstrates a robust growth trajectory, evidenced by revenue expansion from $17.7 billion in 2023Q4 to $20.9 billion in 2026Q1, supported by its unique closed-loop network architecture.
- While the firm maintains strong profitability with gross margins reaching 84.6% in 2026Q1, investors should monitor the inherent volatility in cash conversion and the potential for margin compression due to competitive pressures in the premium rewards space.
- The company's disciplined capital allocation, including $1.9 billion in share repurchases during 2026Q1, underscores a commitment to shareholder returns despite the sensitivity of its business model to global travel volumes and credit provisioning requirements.
Verdict Logic
while the firm shows strong operational scaling with a 31.6% operating margin in 2026Q1, the inconsistent cash conversion efficiency and sensitivity to credit provisioning warrant a cautious valuation approach given the current 22.13 P/E ratio.
AXP Growth Metrics
American Express Company (AXP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.88%
5 Years15.98%
3 Years13.1%
TTM-
Profit CAGR
10 Years7.69%
5 Years28.15%
3 Years12.97%
TTM9.19%
EPS CAGR
10 Years11.78%
5 Years32.47%
3 Years16.05%
TTM11.94%
Return on Capital
10 Years9.26%
5 Years10.79%
3 Years10.72%
Last Year11.31%
AXP Recent Earnings
American Express Company (AXP) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$4.28+7.0%
$4.00
Rev
$18.9B+1.6%
$18.6B
Q1 2026
Jan 30, 2026Metric
Actual
Est
EPS
$3.53-0.3%
$3.54
Rev
$19.0B+0.3%
$18.9B
Q4 2025
Oct 17, 2025Metric
Actual
Est
EPS
$4.14+3.5%
$4.00
Rev
$18.4B+2.1%
$18.0B
Q3 2025
Jul 18, 2025Metric
Actual
Est
EPS
$4.08+4.9%
$3.89
Rev
$17.9B+0.8%
$17.7B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $4.28vs $4.00+7.0% | $18.9Bvs $18.6B+1.6% |
| Q1 2026 | Jan 30, 2026 | $3.53vs $3.54-0.3% | $19.0Bvs $18.9B+0.3% |
| Q4 2025 | Oct 17, 2025 | $4.14vs $4.00+3.5% | $18.4Bvs $18.0B+2.1% |
| Q3 2025 | Jul 18, 2025 | $4.08vs $3.89+4.9% | $17.9Bvs $17.7B+0.8% |
Based on last 12 quarters of dataView full earnings history →
Latest AXP News
Recent stock market news and headlines for American Express Company (AXP)
Zacks Investment Research·4 days ago
IFS or AXP: Which Is the Better Value Stock Right Now?Investors interested in stocks from the Financial - Miscellaneous Services sector have probably already heard of Intercorp Financial Services Inc. (IFS) and American Express (AXP). But which of these two stocks is more attractive to value investors?
Zacks Investment Research·4 days ago
American Express (AXP) Boasts Earnings & Price Momentum: Should You Buy?The Zacks Focus List offers investors a way to easily find top-rated stocks and build a winning investment portfolio. Here's why you should take advantage.
CNBC·4 days ago
American Express and Chase move luxury lounge wars beyond the airportCredit card companies are increasingly offering access to lounges and perks at festivals and sporting events, often exclusively for premium cardholders. American Express and Chase are fighting to win over affluent customers who pay hefty annual fees and spend significantly more on their credit cards.
The Motley Fool·Jun 28, 2026
Is American Express Built for the Next Decade of Spending?American Express' leadership position among wealthier consumers supported strong spending growth in the first quarter. Over the long term, management's goal is for earnings to increase at a mid-teens annualized clip.
Peers Comparison
Key metrics vs top competitors for American Express Company (AXP)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $349.58 | $239.74B | 22.73 | 8.44% | 13.46% | 33.99% | 0.93% | |
| $352.20 | $675.68B | 34.53 | 11.34% | 51.68% | 58.9% | — | |
| $531.62 | $470.6B | 32.18 | 16.42% | 45.88% | 205.79% | — | |
| $202.89 | $124.98B | 50.34 | 28.39% | 4.29% | 2.86% | — | |
| $339.22 | $908.94B | 16.92 | 3.31% | 20.66% | 16.32% | — | |
| $59.86 | $424.8B | 15.67 | -0.45% | 18.13% | 10.5% | — |
Compare AXP vs Peers
American Express Company (AXP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AXP SEC Filings & Documents
American Express Company (AXP) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Apr 23, 2026·SEC
Material company update
Apr 15, 2026·SEC
Material company update
Mar 16, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
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AXP Frequently Asked Questions
American Express Company (AXP) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is American Express Company's revenue?
American Express Company (AXP) reported $82.41B in revenue for fiscal year 2025.
How fast is American Express Company growing?
American Express Company (AXP) grew revenue by 8.4% over the past year. This is steady growth.
Is AXP profitable?
Yes, American Express Company (AXP) is profitable, generating $11.22B in net income for fiscal year 2025 (13.5% net margin).
Dividend & Returns
Does AXP pay dividends?
Yes, American Express Company (AXP) pays a dividend with a yield of 0.93%. This makes it attractive for income-focused investors.
What is AXP's return on equity?
American Express Company (AXP) has a return on equity (ROE) of 34.0%. This is excellent, indicating efficient use of shareholder capital.
What is American Express Company's free cash flow?
American Express Company (AXP) generated $14.32B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.