American Express (AXP) Aperçu de l'action
American Express Company, avec ses filiales, est une société de paiement intégrée aux États-Unis, en Europe, au Moyen-Orient et en Afrique, dans la région Asie-Pacifique, en Australie, en Nouvelle-Zélande, en Amérique latine, au Canada, dans les Caraïbes et dans le reste du monde. Plus de détails
| Score flocon de neige | |
|---|---|
| Évaluation | 2/6 |
| Croissance future | 2/6 |
| Performances passées | 4/6 |
| Santé financière | 4/6 |
| Dividendes | 4/6 |
Last Earnings Call
Q2 2026 · 24 Jul 2026American Express (NYSE: AXP) reported strong Q2 2026 results, with revenue growing 10% year-over-year and EPS reaching $4.53. The company achieved its fourth consecutive quarter of double-digit revenue growth, driven by an 11% increase in U.S. consumer spending and high demand for premium products. Notably, card fee revenue rose 15.4%. Credit performance remains robust, with delinquency and write-off rates below 2019 levels.
Management raised its full-year revenue growth guidance to 10% but maintained EPS guidance of $17.30–$17.90. Leadership attributed this choice to prioritizing reinvestments in technology and customer acquisition—including the planned acquisition of TheFork—to sustain long-term growth.
Analyst Consensus vs. Reported Results:
- Revenue: Analysts expected approximately $17.2 billion; Amex reported revenue consistent with 10% growth, effectively meeting/beating consensus expectations.
- EPS: Analysts expected $4.48; Amex reported $4.53, beating the consensus estimate.
Market Reaction
American Express shares fell approximately 3% on July 24, 2026. Analysts cited management's decision to maintain the full-year EPS guidance despite the revenue beat as the primary driver, as investors were disappointed that the "overperformance" was being fully reinvested rather than flowing through to the bottom line.
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Analyst Price Targets
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American Express Company Concurrents
Historique des prix et performances
| Historique des cours de bourse | |
|---|---|
| Prix actuel de l'action | US$342.60 |
| Plus haut sur 52 semaines | US$387.49 |
| Plus bas sur 52 semaines | US$290.63 |
| Bêta | 1.06 |
| Variation sur 1 mois | -2.00% |
| Variation sur 3 mois | 8.41% |
| Variation sur 1 an | 16.24% |
| Variation sur 3 ans | 109.49% |
| Variation sur 5 ans | 103.30% |
| Évolution depuis l'introduction en bourse | 8,647.02% |
Nouvelles et mises à jour récentes
Recent updates
Seeking Alpha • Jul 27
American Express: I'm Waiting For A Better Entry Point (Ratings Downgrade)
Summary American Express Company's Q2 growth was driven by existing customers consolidating more spending onto Amex cards. Credit quality remains strong, though weaker labor conditions or travel spending could pressure results. Portfolio sales will create temporary headwinds for reported spending and net interest income growth. AXP trades well above historical fair value and carries a weak relative valuation grade. I am downgrading AXP stock to Hold because strong execution is already reflected in the price. Read the full article on Seeking Alpha
Mise à jour du récit • Jul 22
AXP: Future Returns Will Reflect Premium Fees And Resilient Affluent Spending Versus Macro Risk
The analyst price target for American Express has been raised as the fair value estimate moves from $363.11 to $374.94. Analysts cite resilient high-income cardholder spending, a relatively insulated customer base, and expectations for solid Q2 results as key supports for the updated view.
Mise à jour du récit • Jul 08
AXP: Premium Franchise Strength Will Face Higher For Longer Rate Risk
The analyst fair value estimate for American Express has increased from $285 to $312, reflecting higher Street price targets and updated assumptions around revenue growth, profit margins, and future P/E multiples that are consistent with the recent wave of largely constructive research coverage. Analyst Commentary Recent Street research on American Express points to a mixed but generally constructive backdrop, with several firms raising price targets and a handful of new or reiterated positive ratings.Mise à jour du récit • Jun 24
AXP: Future Returns Will Reflect 2026 Guide And Dining Expansion Versus Margin Risk
The analyst price target for American Express has been trimmed by about $15 to reflect slightly lower modeled fair value, margins and P/E, even as analysts highlight support from recent rating upgrades, solid management commentary and the planned acquisition of TheFork. Analyst Commentary Analyst commentary on American Express reflects a mix of optimism around execution and customer quality, alongside some caution captured in reduced price targets and valuation resets.Article d’analyse • Jun 19
American Express (AXP) Stock Could Be 16.1% Below Fair Value After Recent Share Price Moves
American Express (AXP) stock has attracted fresh attention after recent share price moves over the past month and past 3 months. This has prompted investors to reassess its valuation and business performance drivers. See our latest analysis for American Express. At a share price of $338.0, American Express has seen short term momentum pick up, with a 7 day share price return of 6.13% and 90 day share price return of 14.38%. Longer term total shareholder returns over 3 and 5 years of 108.14%...Mise à jour du récit • Jun 09
AXP: Premium Franchise Strength And Competition Will Shape Returns Going Forward
Analysts kept the American Express fair value estimate steady at $285.00 while slightly adjusting the discount rate and revenue growth assumptions. This reflects mixed but generally constructive recent research that includes higher price targets from firms citing resilient spending trends, alongside more cautious updates from others focused on competition and valuation pressures.
Mise à jour du récit • May 26
AXP: Affluent Spend Resilience And AI Layoff Fears Will Support Higher P/E
Analyst pricing on American Express has been trimmed modestly, with the fair value estimate moving lower by about $3 to $440.45, as analysts balance a slightly softer revenue growth and profit margin outlook against fresh Buy initiations and raised price targets that highlight confidence in the stock's broader client base and resilience to AI related job losses. Analyst Commentary Recent research has highlighted a split view on American Express, with some firms trimming price targets while others are leaning into the stock with fresh Buy calls.Mise à jour du récit • May 03
AXP: Premium Customer Erosion And Lower P E Will Pressure Returns
Analysts have trimmed the American Express price target slightly to $285, reflecting modestly lower revenue growth and profit margin assumptions along with a reduced future P/E of about 16.3x. Analyst Commentary Street research on American Express has turned more mixed, with several firms cutting price targets over the past few months even as a few higher targets remain in place.Mise à jour du récit • Apr 19
AXP: Affluent Credit Stability And AI Selloff May Support Higher Future P/E
American Express' updated analyst price target reflects a reduction of $14.89, as analysts factor in revised assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E following a series of target cuts across the Street. Analyst Commentary Recent Street research on American Express has been dominated by lower price targets, but the tone is not uniformly bearish.Mise à jour du récit • Apr 05
AXP: Premium Margins And Rate Cap Threat Will Shape Forward P E
Analysts have made a modest upward adjustment to the American Express price target, with fair value moving by about $3 to $286.99 as they balance softer margin assumptions against slightly higher revenue growth expectations and a small uptick in the future P/E. Analyst Commentary Recent research on American Express reflects a split view, with some firms highlighting long term growth potential and others flagging risks around competition, regulation, and macro sensitivity.Mise à jour du récit • Mar 21
AXP: Affluent Credit Stability And Buybacks Should Support Higher Future P E
Narrative Update: American Express American Express's analyst price target has been revised slightly lower, with fair value moving from about $462.00 to $458.63 as analysts factor in modestly higher revenue growth and profit margins, a slightly lower discount rate, and a reduced future P/E assumption. Analyst Commentary Recent Street research on American Express shows a split tape, with some firms trimming price targets and others lifting them.Mise à jour du récit • Mar 07
AXP: Future Returns Will Reflect 2026 Guide Versus Credit Policy Risk
The analyst price target for American Express has been trimmed by about $1 to $378.94, as analysts balance slightly higher profit margin and discount rate assumptions with mixed sentiment around consumer finance, concerns about AI-driven unemployment, and recent volatility in the shares. Analyst Commentary Recent research on American Express reflects a split tape, with some firms highlighting opportunity after the recent pullback and others flagging policy and credit risks that could cap upside.Mise à jour du récit • Feb 21
AXP: Future Performance Will Reflect 2026 Guide And Regulatory Risk Balancing
American Express's analyst fair value estimate has been revised higher to $379.60 from $354.83, as analysts factor in slightly lower discount rates, a modestly higher assumed future P/E multiple, and updated views on revenue growth and margins following a mix of recent price target hikes and trims across the Street. Analyst Commentary Recent Street research on American Express shows a split view, with several firms lifting price targets and a few trimming them or keeping more cautious stances.Mise à jour du récit • Feb 07
AXP: Elevated P E Multiples Will Face Potential Credit Card Rate Cap Shock
Analysts have refined their view on American Express, raising their fair value estimate modestly to about $284. This update reflects slightly lower assumed discount rates, more measured expectations for revenue growth and margins, a minor adjustment to future P/E assumptions, and recent price target changes on the Street that are mixed but generally supportive.Mise à jour du récit • Jan 24
AXP: Elevated P E Multiples Will Face Regulatory Credit Card Rate Cap Test
Analysts have raised their implied fair value for American Express from about US$230 to roughly US$280, reflecting updated price targets that apply higher future P/E multiples and slightly stronger assumptions for revenue growth and profit margins. Analyst Commentary Across recent research, most price target changes for American Express have been upward, but the tone is not uniformly optimistic.Mise à jour du récit • Jan 09
AXP: Higher P/E Multiple Could Reward Solid Loan And Earnings Momentum
Analysts have lifted their blended price expectations for American Express, with the modelled fair value rising from about US$366.63 to US$462.00 as they factor in higher sector multiples, including a future P/E assumption of 26.66, as well as updated views on growth, margins and discount rates informed by recent price target increases across the specialty finance group. Analyst Commentary Recent Street research around American Express shows a cluster of higher price targets and rating moves that feed into the richer blended fair value used in the updated model.Mise à jour du récit • Dec 14
AXP: Future Performance Will Reflect Execution On Premium Card Refresh Amid Mixed Sentiment
The analyst price target for American Express has been raised modestly, as analysts factor in a roughly $3 uptick in fair value to about $355 per share. This is supported by stronger billings growth, resilient credit trends, and confidence in the earnings impact of the Platinum refresh, despite mixed near term guidance.Mise à jour du récit • Nov 30
AXP: Future Results Will Reflect Execution Strength Amid Mixed Market Sentiment
American Express's analyst price target has been modestly increased by $1 to $351.87. Analysts cite stronger-than-expected revenue expansion, higher profit margins, and improved growth trends, supported by recent upgrades and positive financial results.Mise à jour du récit • Nov 16
AXP: Future Results Will Balance Margin Strength With Competitive Pressures
American Express's analyst price target has been raised slightly, with the updated fair value estimate increasing from $349.41 to $350.87. Analysts cite continued robust operating performance, improved revenue and profit margin trends, and tempered expense forecasts following strong recent results.Mise à jour du récit • Nov 01
AXP: Premium Card Momentum And Buybacks Will Shape Performance Amid Balanced Risks
American Express's analyst price target has increased modestly by $11 to $349, as analysts cite resilient operating results, improved profit margins, and continued confidence in growth, even though revenue guidance has been tempered. Analyst Commentary Following American Express's latest quarterly results, Wall Street analysts have shared a range of perspectives on the company's outlook and valuation.Mise à jour du récit • Oct 18
Personalized Experiences And Global Expansion Will Drive Future Value
The analyst price target for American Express has increased from approximately $329.62 to $338.24. Analysts cite improving loan growth trends, stable credit quality, and expectations for accelerating revenue from upcoming product initiatives.Mise à jour du récit • Oct 04
Personalized Experiences And Global Expansion Will Drive Future Value
American Express has seen its analyst price target increase notably from $311 to $362, as analysts cite stable credit trends, a premium valuation based on strong credit quality, and updated financial models that reflect improved outlooks for the consumer finance sector. Analyst Commentary Analysts remain divided on the prospects for American Express, with recent research highlighting both constructive and cautious viewpoints.Seeking Alpha • Apr 23
American Express: Solid Q1 Results Fuel Long-Term Optimism
Summary American Express shows solid top-line growth with 7.3% revenue increase and 20% card fee revenue growth, indicating strong customer value perception. Operating expenses grew by 10%, but disciplined spending on S&G and G&A ensures long-term customer satisfaction and company success. Capital returns to shareholders are robust, with a 17% dividend increase and consistent stock buybacks, enhancing shareholder value. Premium customer base and strong Gen-Z and Millennial acquisition highlight Amex's effective portfolio management and future growth potential. Read the full article on Seeking AlphaNouveau récit • Apr 08
US Card Refresh And Global Merchant Expansion Will Unlock Opportunities
Expansion efforts, including product refreshes and merchant network growth, target Millennials and Gen Z, aiming to boost transaction volume and revenue.Nouveau récit • Apr 07
Expanding Merchant Network And Millennial Focus Will Succeed
Focus on global merchant network expansion and targeting of younger generations drives revenue growth through increased transaction volumes and premium product adoption.Rendement pour les actionnaires
| AXP | US Consumer Finance | US Marché | |
|---|---|---|---|
| 7D | 1.5% | 2.9% | 3.5% |
| 1Y | 16.2% | 9.9% | 20.5% |
Rendement vs Industrie: AXP a dépassé le secteur US Consumer Finance qui a rapporté 9.9 % au cours de l'année écoulée.
Rendement vs marché: AXP a sous-performé le marché US qui a rapporté 20.5 % au cours de l'année écoulée.
Volatilité des prix
| AXP volatility | |
|---|---|
| AXP Average Weekly Movement | 3.6% |
| Consumer Finance Industry Average Movement | 7.0% |
| Market Average Movement | 7.3% |
| 10% most volatile stocks in US Market | 16.1% |
| 10% least volatile stocks in US Market | 3.1% |
Cours de l'action stable: AXP n'a pas connu de volatilité de prix significative au cours des 3 derniers mois par rapport au marché US.
Volatilité au fil du temps: La volatilité hebdomadaire de AXP ( 4% ) est restée stable au cours de l'année écoulée.
À propos de l'entreprise
| Fondée | Salariés | PDG | Site web |
|---|---|---|---|
| 1850 | 76,800 | Steve Squeri | www.americanexpress.com |
American Express Company, avec ses filiales, est une société de paiement intégrée aux États-Unis, en Europe, au Moyen-Orient et en Afrique, dans la région Asie-Pacifique, en Australie, en Nouvelle-Zélande, en Amérique latine, au Canada, dans les Caraïbes et dans le monde entier. Ses activités s'articulent autour de quatre segments : U.S. Consumer Services, Commercial Services, International Card Services et Global Merchant and Network Services.
American Express Company Résumé des fondamentaux
| AXP statistiques fondamentales | |
|---|---|
| Capitalisation boursière | US$235.68b |
| Bénéfices(TTM) | US$11.31b |
| Recettes(TTM) | US$70.91b |
20.5x
Ratio P/E3.3x
Ratio P/SLe site AXP est-il surévalué ?
Voir Juste valeur et analyse de l'évaluationBénéfices et recettes
| AXP compte de résultat (TTM) | |
|---|---|
| Recettes | US$70.91b |
| Coût des recettes | US$26.71b |
| Marge brute | US$44.21b |
| Autres dépenses | US$32.90b |
| Les revenus | US$11.31b |
Derniers bénéfices déclarés
Jun 30, 2026
Prochaine date de publication des résultats
Oct 23, 2026
| Résultat par action (EPS) | 16.75 |
| Marge brute | 62.34% |
| Marge bénéficiaire nette | 15.95% |
| Ratio dettes/capitaux propres | 172.4% |
Quelles ont été les performances à long terme de AXP?
Voir les performances historiques et les comparaisonsDividendes
1.1%
Rendement actuel des dividendes21%
Ratio de distributionLe site AXP verse-t-il des dividendes fiables ?
Voir AXP l'historique des dividendes et les indices de référence| American Express dates des dividendes | |
|---|---|
| Date ex-dividende | Jul 02 2026 |
| Date de paiement du dividende | Aug 10 2026 |
| Jours jusqu'au dividende Ex | 37 days |
| Jours jusqu'à la date de paiement du dividende | 2 days |
Le site AXP verse-t-il des dividendes fiables ?
Voir AXP l'historique des dividendes et les indices de référenceAnalyse de l'entreprise et données financières
| Données | Dernière mise à jour (heure UTC) |
|---|---|
| Analyse de l'entreprise | 2026/08/06 10:45 |
| Cours de l'action en fin de journée | 2026/08/06 00:00 |
| Les revenus | 2026/06/30 |
| Revenus annuels | 2025/12/31 |
Sources de données
Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.
| Paquet | Données | Cadre temporel | Exemple de source américaine * |
|---|---|---|---|
| Finances de l'entreprise | 10 ans |
| |
| Estimations consensuelles des analystes | +3 ans |
|
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| Prix du marché | 30 ans |
| |
| Propriété | 10 ans |
| |
| Gestion | 10 ans |
| |
| Principaux développements | 10 ans |
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* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.
Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.
Modèle d'analyse et flocon de neige
Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github ; nous proposons également des guides sur la façon d’utiliser nos rapports et des tutoriels sur YouTube.
Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.
Indicateurs de l'industrie et du secteur
Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.
Sources des analystes
American Express Company est couverte par 51 analystes. 24 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.
| Analyste | Institution |
|---|---|
| Stephen Biggar | Argus Research Company |
| David George | Baird |
| Bruce Harting | Barclays |