FFilingSight

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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)
21
Insider net
-$3.0M
0B/1S
13F filers
10k+
Activist 13D
0
Recent 13F institutional filers (SEC EDGAR full-text)
FilerFormFiled
BERKSHIRE HATHAWAY INC (BRK-A, BRK-B)13F-HRFeb 14, 2022
BERKSHIRE HATHAWAY INC (BRK-A, BRK-B)13F-HRAug 16, 2021
BERKSHIRE HATHAWAY INC (BRK-A, BRK-B)13F-HRNov 15, 2021
BERKSHIRE HATHAWAY INC (BRK-A, BRK-B)13F-HRMay 17, 2021
BERKSHIRE HATHAWAY INC (BRK-A, BRK-B)13F-HRFeb 16, 2021
Recent insider Form 4 activity
InsiderDateNetBuys/Sells
Herena MoniqueAug 19, 2026-$3.0M0/1
Recent 8-K material events
DateFormDescription
Aug 17, 20268-K8-K
Aug 12, 20268-K8-K
Aug 5, 20268-K8-K
Jul 24, 20268-K8-K
Jul 15, 20268-K8-K
Jun 25, 20268-K8-K
Jun 17, 20268-K8-K
Jun 15, 20268-K8-K
Insider Form 4 sentiment (transactions)
Buys: 0
Sells: 1
Buys
Sells
Sources:SEC EDGAR — Company FilingsSEC 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)
MetricPrior yearLatest yearChange% 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)
TypeConcepts
AddedCapitalLeaseObligationsIncurred, ContributionOfProperty, DerivativeCreditRiskValuationAdjustmentDerivativeAssets, DerivativeCreditRiskValuationAdjustmentDerivativeLiabilities, InformationTechnologyAndDataProcessing
RemovedAllocatedShareBasedCompensationExpense, 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)
FYRevenueRev YoYGross%Op%Net%FCFROE%
2024$38.83B+4.3%0.000.0026.09$12.14B33.47
2025$41.30B+6.4%0.000.0026.23$16.00B32.36
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
EV
$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

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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.

CompanyScoreMacro
Allstate Corp. ALL30Neutral
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CME Group Inc. CME23Neutral
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Charles Schwab Corp. SCHW19Neutral
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Moody's Corp. MCO2Neutral
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Bank of New York Mellon BK0Neutral
Marsh & McLennan MMC0Neutral
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American Water Works AWK-2Neutral
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Realty Income Corp. O-6Neutral
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NextEra Energy NEE-13Neutral
Duke Energy Corp. DUK-14Neutral
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Exelon Corp. EXC-14Neutral
Morgan Stanley MS-14Neutral
S&P Global SPGI-19Neutral
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