Not investment advice. FilingSight is an automated analytical research tool, not a registered investment advisor. Ratings and scores are quantitative analytical classifications, not buy or sell recommendations. Nothing here is personalized to your circumstances. Investing involves risk of loss — consult a licensed professional. See full disclosures.

Create a free account to read 3 full reports each month — plus a 14-day Pro trial. Get started →

American Express Co.

AXPFinancials

Generated Aug 19, 2026, 10:30 PM UTC

analytical score 16

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 $229.54B at $339.90 per share. Trailing P/E 22.10, P/S 5.56, P/B 6.70. EV/Operating income ≈ 88.86 (EV $243.11B). Risk: Moderate. Macro: Risk-on · Supportive. Composite analytical score 16 (data confidence 82%). Descriptive analytics from public filings — not investment advice.

Market cap

$229.54B

675.31M shares

Price

$339.90

NYQ

P/E (ttm)

22.10

Revenue (FY)

$41.30B

YoY +6.4%

Net margin

26.23%

▲ 4.27pp

Free cash flow

$16.00B

38.74% margin

Risk level

Moderate

Free SEC analysis

— computed from SEC filings, free to read

Free previewRegulatory Analyst

Filings & Ownership

Regulatory Analyst

score -10Stable

80% conf

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.

Latest 10-K

Feb 6, 2026

Annual report

Latest 10-Q

Jul 24, 2026

8-K (recent)

Insider net

-$3.0M

0B/1S

13F filers

10k+

Activist 13D

Recent 13F institutional filers (SEC EDGAR full-text)

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

Recent insider Form 4 activity

Insider	Date	Net	Buys/Sells
Herena Monique	Aug 19, 2026	-$3.0M	0/1

Recent 8-K material events

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

Insider Form 4 sentiment (transactions)

Buys: 0

Sells: 1

Buys

Sells

Sources:SEC EDGAR — Company Filings SEC EDGAR — Full-Text Search

Free previewSEC Filing Analyst

SEC Filing Deep-Analysis

SEC Filing Analyst

score 3Stable

64% conf

1 positive signal(s) detected from XBRL filing diff analysis. 1 positive signal(s) versus 0 risk signal(s). The filing exhibits more constructive indicators than concerns, though individual risk factors should still be monitored.

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 0 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.

Revenue

$41.30B

+6.4% YoY

Operating income

$2.74B

-49.4% YoY

Net income

$10.83B

+7.0% YoY

Operating cash flow

$18.43B

+31.2% YoY

Capex

$2.42B

+26.9% YoY

Total assets

$300.05B

+10.5% YoY

Total liabilities

$266.58B

+10.5% YoY

Long-term debt

$56.39B

+13.4% YoY

Filing quality score

80/100

5 new disclosures

SEC XBRL metric changes (latest annual vs prior)

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%

XBRL disclosure changes (new vs dropped concepts)

Type	Concepts
Added	CapitalLeaseObligationsIncurred, ContributionOfProperty, DerivativeCreditRiskValuationAdjustmentDerivativeAssets, DerivativeCreditRiskValuationAdjustmentDerivativeLiabilities, InformationTechnologyAndDataProcessing
Removed	AllocatedShareBasedCompensationExpense, AmortizationOfIntangibleAssets, AmountOfRestrictedNetAssetsForConsolidatedAndUnconsolidatedSubsidiaries, AssetsFairValueDisclosure, BankOverdrafts, BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum, BankingRegulationSupplementaryLeverageRatioCapitalAdequacyMinimum, CapitalRequiredForCapitalAdequacyToRiskWeightedAssets, CommonStockCapitalSharesReservedForFutureIssuance, ConcentrationRiskCreditRiskFinancialInstrumentMaximumExposure

Type

Concepts

Added

CapitalLeaseObligationsIncurred, ContributionOfProperty, DerivativeCreditRiskValuationAdjustmentDerivativeAssets, DerivativeCreditRiskValuationAdjustmentDerivativeLiabilities, InformationTechnologyAndDataProcessing

Removed

AllocatedShareBasedCompensationExpense, AmortizationOfIntangibleAssets, AmountOfRestrictedNetAssetsForConsolidatedAndUnconsolidatedSubsidiaries, AssetsFairValueDisclosure, BankOverdrafts, BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum, BankingRegulationSupplementaryLeverageRatioCapitalAdequacyMinimum, CapitalRequiredForCapitalAdequacyToRiskWeightedAssets, CommonStockCapitalSharesReservedForFutureIssuance, ConcentrationRiskCreditRiskFinancialInstrumentMaximumExposure

Filing signal breakdown

Red flags: 0

Positive: 1

Watch: 0

Red flags

Positive

Watch

Sources:SEC EDGAR — Company Facts (XBRL)SEC EDGAR — Financial Reports

Free previewFundamentals Analyst

Fundamentals

Fundamentals Analyst

score 70Improving

80% conf

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.

Revenue (FY)

$41.30B

YoY +6.4%

Net margin

26.23%

▲ 4.27pp

ROE

32.36%

ROA 3.61%

ROIC

0.00%

EPS (diluted)

$15.38

FY2025

Free cash flow

$16.00B

38.74% margin

Debt / equity

1.66

Cash $43.44B

Current ratio

—

Equity $34.28B

Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)

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

Sources:SEC EDGAR — Company Facts (XBRL)

+8 more years of history, charts & full breakdown Pro

Pro analysis — preview

— score, signals & key metrics shown; full reasoning locked

Valuation

Valuation Analyst

score -5Stable

95% conf

Market cap $229.54B at $339.90 per share. Trailing P/E 22.10, P/S 5.56, P/B 6.70. EV/Operating income ≈ 88.86 (EV $243.11B).

Market cap $229.54B at $339.90 per share.

Market cap

$229.54B

675.31M shares

P/E (ttm)

22.10

P/S

5.56

P/B

6.70

$243.11B

Intrinsic (DCF)

$337.55

-0.7% vs price

ProFull breakdown & reasoning locked

Price & Technicals

Technical Analyst

score -5Stable

85% conf

Price $339.90 — uptrend (above 200-DMA); 1-month momentum negative. RSI(14) 52.91.

Price $339.90 — uptrend (above 200-DMA); 1-month momentum negative.

Price

$339.90

NYQ

RSI(14)

52.91

50-DMA

$341.58

200-DMA

$338.98

Volatility (ann.)

27.11%

52w range

$290.97–$387.49

-12.3% from high

ProFull breakdown & reasoning locked

Macro & Rates

Macro Analyst

score 30Improving

80% conf

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 4.71%.

Market regime: Risk-on · Supportive.

GDP growth

1.50%

CPI (YoY)

+3.3%

Fed funds

3.63%

10Y yield

4.71%

10Y−2Y

0.46pp

Unemployment

4.10%

ProFull breakdown & reasoning locked

Risk Scorecard

Risk Analyst

score -12Stable

83% conf

Composite risk Moderate. Leverage debt/equity 1.66 (moderate). Earnings stability: net-margin stdev 5.04pp over 12y.

Composite risk: Moderate.

Risk level

Moderate

Debt / equity

1.66

Current ratio

—

Margin stdev

5.04pp

Cash / assets

14.09%

Liab / assets

88.88%

ProFull breakdown & reasoning locked

See the full picture behind every stock

Unlock the complete 10-year fundamentals, DCF & Graham intrinsic value, 13F/13D ownership flow, risk scorecard, multi-analyst bull/bear debate — plus watchlist alerts and your research workspace. Start with a 14-day Pro trial.

Subscribe to Pro Create free account

3 sections free · 4 Pro previews · composite 16

Macro exposure

Rate-sensitive · High sensitivity

Neutral

Macro regime: Risk-on · Supportive. American Express Co. is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.

Macro regime

Risk-on · Supportive

Yield curve

Normal

VIX

15.84

Fed funds

3.63%

CPI YoY

+3.3%

Analytical read

deterministic preview

Revenue grew **+6.4%** YoY to $41.30B..

Risk

Moderate

Macro regime

Risk-on · Supportive

Macro exposure

Neutral

Descriptive analytics from public filings and macro data — not investment advice.

Open analytical workspace

Peer comparison

Rate-sensitive group

How AXP stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.

Company	Score	Macro
Allstate Corp. ALL	30	Neutral
Visa Inc. V	24	Neutral
CME Group Inc. CME	22	Neutral
Capital One Financial COF	21	Neutral
Charles Schwab Corp. SCHW	19	Neutral
American Express Co. AXP● you	16	Neutral
Digital Realty Trust DLR	11	Neutral
Mastercard Inc. MA	11	Neutral
U.S. Bancorp USB	10	Neutral
Travelers Cos. TRV	10	Neutral
Simon Property Group SPG	9	Neutral
Welltower Inc. WELL	9	Neutral
Chubb Ltd. CB	8	Neutral
MetLife Inc. MET	7	Neutral
JPMorgan Chase & Co. JPM	7	Neutral
Dominion Energy D	4	Neutral
Bank of America Corp. BAC	3	Neutral
Moody's Corp. MCO	2	Neutral
PNC Financial Services PNC	2	Neutral
Citigroup Inc. C	1	Neutral
BlackRock Inc. BLK	1	Neutral
American Electric Power AEP	0	Neutral
Bank of New York Mellon BK	0	Neutral
Marsh & McLennan MMC	0	Neutral
American Tower Corp. AMT	0	Neutral
Wells Fargo & Co. WFC	0	Neutral
Truist Financial TFC	-1	Neutral
American Water Works AWK	-2	Neutral
Equinix Inc. EQIX	-4	Neutral
Goldman Sachs Group GS	-4	Neutral
Prologis Inc. PLD	-5	Neutral
Xcel Energy XEL	-5	Neutral
Public Storage PSA	-5	Neutral
Realty Income Corp. O	-6	Neutral
Southern Company SO	-7	Neutral
Morgan Stanley MS	-8	Neutral
Equity Residential EQR	-10	Neutral
NextEra Energy NEE	-13	Neutral
Duke Energy Corp. DUK	-16	Neutral
Exelon Corp. EXC	-17	Neutral
S&P Global SPGI	-19	Neutral
American International Group AIG	-20	Neutral
Crown Castle Inc. CCI	-21	Neutral