American Express Company

XTRA:AEC1 Stock Report

Market Cap: €195.6b

American Express Past Earnings Performance

Past criteria checks 5/6

American Express has been growing earnings at an average annual rate of 12.9%, while the Consumer Finance industry saw earnings growing at 20.9% annually. Revenues have been growing at an average rate of 11.9% per year. American Express's return on equity is 33.3%, and it has net margins of 16.5%.

Key information

12.9%

Earnings growth rate

16.0%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate11.9%
Return on equity33.3%
Net Margin16.5%
Next Earnings Update24 Jan 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How American Express makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

XTRA:AEC1 Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2459,2399,76013,7770
30 Jun 2458,1079,70413,5040
31 Mar 2456,8988,86913,3190
31 Dec 2355,5928,25213,1010
30 Sep 2354,3797,89413,6200
30 Jun 2353,0097,32713,3440
31 Mar 2352,1387,11913,3950
31 Dec 2250,6807,40012,5680
30 Sep 2249,6237,53313,6480
30 Jun 2247,9647,46513,1000
31 Mar 2245,8287,78012,1360
31 Dec 2143,7997,91711,5410
30 Sep 2141,1697,65214,3500
30 Jun 2138,1366,92013,7280
31 Mar 2133,4074,90912,6810
31 Dec 2031,3573,0369,4140
30 Sep 2032,2363,28312,7680
30 Jun 2034,2603,95512,8580
31 Mar 2038,1175,44613,2900
31 Dec 1939,9836,63113,0360
30 Sep 1939,1626,94512,7390
30 Jun 1938,3796,84312,4110
31 Mar 1937,5986,70512,2110
31 Dec 1836,9866,78711,8690
30 Sep 1836,1293,59711,6860
30 Jun 1835,3303,30311,4050
31 Mar 1834,6793,02611,2110
31 Dec 1733,8722,64611,0890
30 Sep 1732,4094,66110,2850
30 Jun 1731,1624,4469,7670
31 Mar 1730,3975,1119,2570
31 Dec 1633,2275,25211,2670
30 Sep 1630,4485,3588,8180
30 Jun 1630,8255,4808,6840
31 Mar 1630,8594,9438,4560
31 Dec 1530,7475,0638,3050
30 Sep 1531,3585,6268,3320
30 Jun 1531,5185,8588,3460
31 Mar 1531,8495,9338,9520
31 Dec 1432,0015,8399,1650
30 Sep 1431,7285,7009,4030
30 Jun 1431,7875,5889,7010
31 Mar 1431,3655,4639,4130
31 Dec 1330,6685,3129,4180

Quality Earnings: AEC1 has high quality earnings.

Growing Profit Margin: AEC1's current net profit margins (16.5%) are higher than last year (14.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: AEC1's earnings have grown by 12.9% per year over the past 5 years.

Accelerating Growth: AEC1's earnings growth over the past year (23.6%) exceeds its 5-year average (12.9% per year).

Earnings vs Industry: AEC1 earnings growth over the past year (23.6%) exceeded the Consumer Finance industry 3.2%.

Return on Equity

High ROE: Whilst AEC1's Return on Equity (33.3%) is high, this metric is skewed due to their high level of debt.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/19 08:44
End of Day Share Price 2024/12/19 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

American Express Company is covered by 61 analysts. 22 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Stephen BiggarArgus Research Company
David GeorgeBaird
Ishan MajumdarBaptista Research