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American Express Co.

AXPFinancials

Generated Jul 5, 2026, 08:51 PM UTC

analytical score 11

AXP (American Express Co.) analytical snapshot. Return on equity 33.89%, ROA 3.21%, ROIC 0.00%. Net income up ▲ +11.4% YoY. Debt/equity 1.73, current ratio —, net debt $15.31B. Market cap $240.15B at $351.96 per share. Trailing P/E 31.40, P/S 8.47, P/B 7.06. EV/Operating income ≈ 44.87 (EV $255.46B). Risk: Moderate. Macro: Risk-on · Supportive. Composite analytical score 11 (data confidence 80%). Descriptive analytics from public filings — not investment advice.

Market cap
$240.15B
682.33M shares
Price
$351.96
NYQ
P/E (ttm)
31.40
Revenue (FY)
—
Net margin
—
Free cash flow
$17.00B
Risk level
Moderate

Free SEC analysis

— computed from SEC filings, free to read
Free previewFundamentals Analyst

Fundamentals

Fundamentals Analyst
score 15Stable
80% conf

Return on equity 33.89%, ROA 3.21%, ROIC 0.00%. Net income up ▲ +11.4% YoY. Debt/equity 1.73, current ratio —, net debt $15.31B.

  • Return on equity 33.89%, ROA 3.21%, ROIC 0.00%.
  • Net income up ▲ +11.4% YoY.
  • Debt/equity 1.73, current ratio —, net debt $15.31B.
Revenue (FY)
—
Net margin
—
ROE
33.89%
ROA 3.21%
ROIC
0.00%
EPS (diluted)
$11.21
FY2025
Free cash flow
$17.00B
Debt / equity
1.73
Cash $43.44B
Current ratio
—
Equity $33.99B
Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)
FYRevenueRev YoYGross%Op%Net%FCFROE%
2016——————30.19
2017——————24.97
2018——————26.00
2019—————$12.48B13.39
2020—————$7.62B37.90
2021—————$11.99B30.32
2022—————$4.11B13.59
2023—————$13.10B35.07
2024—————$19.22B33.88
2025—————$17.00B33.89
Free cash flow (annual)
2016: 0
2017: 0
2018: 0
2019: 12,478
2020: 7,620
2021: 11,987
2022: 4,113
2023: 13,095
2024: 19,224
2025: 16,996
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Sources:SEC EDGAR — Company Facts (XBRL)
Free previewRegulatory Analyst

Filings & Ownership

Regulatory Analyst
score 20Improving
80% conf

Latest annual report (10-K) filed Feb 6, 2026. Latest quarterly report (10-Q) filed Apr 23, 2026. 18 recent 8-K material-event filings in the index.

  • Latest annual report (10-K) filed Feb 6, 2026.
  • Latest quarterly report (10-Q) filed Apr 23, 2026.
  • 18 recent 8-K material-event filings in the index.
  • Recent insider Form 4s: 0 buy vs 0 sell transactions.
  • ~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
Apr 23, 2026
8-K (recent)
18
Insider net
—
0B/0S
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 8-K material events
DateFormDescription
Jun 25, 20268-K8-K
Jun 17, 20268-K8-K
Jun 15, 20268-K8-K
May 15, 20268-K8-K
May 7, 20268-K8-K
May 4, 20268-K8-K
May 4, 20268-K8-K
Apr 23, 20268-K8-K
Sources:SEC EDGAR — Company FilingsSEC EDGAR — Full-Text Search
Free previewSEC Filing Analyst

SEC Filing Deep-Analysis

SEC Filing Analyst
score -27Deteriorating
64% conf

2 risk signal(s), 1 positive signal(s) detected from XBRL filing diff analysis. 2 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.

  • Material weakness in internal controls: The term "material weakness" appears in 19 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
  • NEW: Restatement of financial statements in latest filing: The term "restate" "financial statements" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 1 filing(s).
  • Operating cash flow exceeds net income: OCF is 2.22x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
  • Endogenous analysis: 2 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
  • 3 new XBRL disclosure(s) in latest filing — expanding reporting scope.
  • 20 disclosure(s) dropped from prior year — reduced reporting granularity.
  • 1 new risk-language term(s) detected in filing text: Restatement of financial statements.
  • Ongoing high-severity risk language: Material weakness in internal controls.
Revenue
$28.36B
— YoY
Operating income
$5.69B
— YoY
Net income
$8.37B
+11.4% YoY
Operating cash flow
$18.56B
-12.0% YoY
Capex
$1.56B
-15.7% YoY
Total assets
$261.11B
+14.3% YoY
Total liabilities
$241.20B
+3.5% YoY
Long-term debt
$49.72B
+3.9% YoY
Filing quality score
76/100
3 new disclosures
SEC XBRL metric changes (latest annual vs prior)
MetricPrior yearLatest yearChange% Change
Revenue—$28.36B——
Operating income—$5.69B——
Net income$7.51B$8.37B$860.0M+11.4%
Operating cash flow$21.08B$18.56B$-2.52B-12.0%
Capex$1.85B$1.56B$-292.0M-15.7%
Total assets$228.35B$261.11B$32.75B+14.3%
Total liabilities$233.05B$241.20B$8.15B+3.5%
Long-term debt$47.87B$49.72B$1.85B+3.9%
Cash & equivalents$8.25B$4.06B$-4.18B-50.7%
Stockholders equity$22.18B$24.71B$2.53B+11.4%
Accounts receivable$53.53B$55.32B$1.79B+3.4%
Interest expense$2.10B$1.28B$-815.0M-38.8%
XBRL disclosure changes (new vs dropped concepts)
TypeConcepts
AddedCapitalLeaseObligationsIncurred, ContributionOfProperty, InformationTechnologyAndDataProcessing
RemovedAllocatedShareBasedCompensationExpense, AmortizationOfIntangibleAssets, AmountOfRestrictedNetAssetsForConsolidatedAndUnconsolidatedSubsidiaries, AssetsFairValueDisclosure, BankOverdrafts, BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum, BankingRegulationSupplementaryLeverageRatioCapitalAdequacyMinimum, CapitalRequiredForCapitalAdequacyToRiskWeightedAssets, CommonStockCapitalSharesReservedForFutureIssuance, ConcentrationRiskCreditRiskFinancialInstrumentMaximumExposure
Risk language in filing text (EDGAR full-text search)
TermSeverityRecentPriorStatus
Material weakness in internal controlshigh192Ongoing
Restatement of financial statementshigh10NEW
Impairment chargemedium101Ongoing
Restructuringmedium1157Ongoing
Off-balance sheet arrangementsmedium1077Ongoing
Related party transactionslow70NEW
Filing signal breakdown
Red flags: 2
Positive: 1
Watch: 0
Red flags
Positive
Watch
Sources:SEC EDGAR — Company Facts (XBRL)SEC EDGAR — Financial Reports

Unlock the rest

  • Valuation
    Market cap $240.15B at $351.96 per share.
    Pro
  • Price & Technicals
    Price $351.96 — uptrend (above 200-DMA); 1-month momentum positive.
    Pro
  • Macro & Rates
    Market regime: Risk-on · Supportive.
    Pro
  • Risk Scorecard
    Composite risk: Moderate.
    Pro

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3 sections free · 4 Pro sections locked · composite 11

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
16.59
Fed funds
3.63%
CPI YoY
+4.2%

Analytical read

deterministic preview

Market cap $240.15B at $351.96 per share..

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
Capital One Financial COF23Neutral
Chubb Ltd. CB23Neutral
U.S. Bancorp USB17Neutral
JPMorgan Chase & Co. JPM16Neutral
Prologis Inc. PLD14Neutral
Simon Property Group SPG13Neutral
American Express Co. AXP● you11Neutral
Bank of America Corp. BAC11Neutral
Visa Inc. V8Neutral
Mastercard Inc. MA8Neutral
Public Storage PSA8Neutral
Dominion Energy D6Neutral
Charles Schwab Corp. SCHW6Neutral
CME Group Inc. CME6Neutral
PNC Financial Services PNC4Neutral
Realty Income Corp. O4Neutral
Travelers Cos. TRV2Neutral
Duke Energy Corp. DUK0Neutral
Bank of New York Mellon BK0Neutral
Marsh & McLennan MMC0Neutral
Equity Residential EQR0Neutral
Wells Fargo & Co. WFC-1Neutral
Welltower Inc. WELL-1Neutral
Exelon Corp. EXC-3Neutral
NextEra Energy NEE-4Neutral
Xcel Energy XEL-5Neutral
American International Group AIG-5Neutral
Truist Financial TFC-5Neutral
Digital Realty Trust DLR-6Neutral
Allstate Corp. ALL-7Neutral
S&P Global SPGI-8Neutral
American Water Works AWK-9Neutral
Goldman Sachs Group GS-10Neutral
Citigroup Inc. C-11Neutral
Moody's Corp. MCO-13Neutral
Morgan Stanley MS-13Neutral
MetLife Inc. MET-13Neutral
Southern Company SO-15Neutral
BlackRock Inc. BLK-15Neutral
Equinix Inc. EQIX-16Neutral
American Electric Power AEP-18Neutral
Crown Castle Inc. CCI-18Neutral
American Tower Corp. AMT-39Neutral