Analysis for AXP
$313.87
+6.92
(+2.25%)
- 📈 Growth — 6/30
- 💰 Profitability — 16/20
- 🏦 Financial Health — 18/20
- 💵 Valuation — 14/20
- ⚠️ Risk — 4/10
Overall Score: 60/100
Summary:
📈 Growth & Financial Trajectory
American Express demonstrates a positive 8-quarter trajectory from 2024 Q3 to 2026 Q2. Revenues rise from about $9.716B to $11.212B, a ~15% increase, while Net Income grows from $2.507B to $3.110B (~24% gain). The trend is upward despite quarterly fluctuations, with recent quarters sustaining profit expansion.
💰 Margins & Cash Flow
- Average operating margin across the period is roughly 32%, with peaks near 36% in several quarters.
- Net operating cash flow is generally positive, with strong cash generation in 2025-2026; investing cash outflows are customary, and financing activity fluctuates.
🛡️ Balance Sheet & Liquidity
Total assets around $270B-$308B; Equity attributable to Parent around $30B-$34B; Long-term Debt about $56B-$58B; current liabilities in the $240B-$273B range. The asset base and capitalization indicate resilience and liquidity.
⚠️ Key Drivers & Risks
- Drivers: (1) Card spend and premium services; (2) Brand/networks driving transaction volumes.
- Risks: (1) Cyclicality of consumer spending; (2) Macro sensitivity and regulatory costs.
📊 Key Financial Fundamentals
Valuation Multiples
Market Cap
$210.14B
P/E Ratio
18.36
Forward P/E
17.73
P/S Ratio
2.59
P/B Ratio
6.73
EV / EBITDA
22.92
Profitability & Returns
Gross Margin
60.62%
Operating Margin
18.18%
Net Margin
14.09%
ROE
34.12%
ROIC
4.63%
Financial Health & Liquidity
Current Ratio
0.26
Quick Ratio
0.26
Financial Scale & Cash Flow
Revenue
$81.23B
Net Income
$11.44B
FCF Yield
7.16%
Free Cash Flow
$15.05B
Total Debt To Equity
6.30