American Express Balance Sheet Health
Financial Health criteria checks 4/6
American Express has a total shareholder equity of $30.3B and total debt of $54.6B, which brings its debt-to-equity ratio to 180.2%. Its total assets and total liabilities are $271.5B and $241.2B respectively.
Key information
180.2%
Debt to equity ratio
US$54.55b
Debt
| Interest coverage ratio | n/a |
| Cash | US$41.11b |
| Equity | US$30.26b |
| Total liabilities | US$241.20b |
| Total assets | US$271.46b |
Recent financial health updates
No updates
Recent updates
US Card Refresh And Global Merchant Expansion Will Unlock Opportunities
Apr 08 Expansion efforts, including product refreshes and merchant network growth, target Millennials and Gen Z, aiming to boost transaction volume and revenue.Expanding Merchant Network And Millennial Focus Will Succeed
Apr 07 Focus on global merchant network expansion and targeting of younger generations drives revenue growth through increased transaction volumes and premium product adoption.American Express' (NYSE:AXP) Upcoming Dividend Will Be Larger Than Last Year's
Mar 21
American Express: Too Soon To Buy The Dip Given Travel Exposure
Mar 14American Express (NYSE:AXP) Will Pay A Larger Dividend Than Last Year At $0.82
Mar 07American Express: A Better Entry Point Is Coming
Feb 28American Express Is A Fantastic Long-Term Investment
Feb 09American Express Keeps The Premium Charges Going With Gen Z
Jan 28American Express: What To Look For In Next Week's Earnings
Jan 19Does American Express (NYSE:AXP) Deserve A Spot On Your Watchlist?
Jan 13American Express: Tapping Into Younger Age Cohorts With Earnings Momentum In 2025
Dec 25Investor Optimism Abounds American Express Company (NYSE:AXP) But Growth Is Lacking
Dec 23American Express: Continued Execution But There Will Be Better Entry Points
Nov 24American Express Earnings Show Continued Potential
Oct 21American Express Has A Hidden Catalyst
Oct 08We Ran A Stock Scan For Earnings Growth And American Express (NYSE:AXP) Passed With Ease
Sep 27Getting In Cheap On American Express Company (NYSE:AXP) Is Unlikely
Sep 05American Express: Great Future But Fair Valuation
Sep 02American Express: Compound Grower Facing Expense Headwinds
Aug 07American Express: Endless Compounding
Jul 30American Express: A Better Value Than Visa?
Jul 19American Express: A Fintech Powerhouse With Growth Momentum, Buy
Jul 01American Express' Plan Is Working, But Valuation Makes It A Hold
Jun 12Here's Why We Think American Express (NYSE:AXP) Is Well Worth Watching
Jun 11American Express Company's (NYSE:AXP) Shares May Have Run Too Fast Too Soon
May 21American Express: A Full Valuation Given Growth May Slow (Downgrade)
May 20Shareholders May Be More Conservative With American Express Company's (NYSE:AXP) CEO Compensation For Now
Apr 30American Express: Reassuring Consistency And Stability
Apr 24American Express Pre-Earnings Report: Affluent American Consumer Likely Remains Strong
Apr 17AXP: Key Acquisitions and Enhanced Membership Models Sustains an Incredible Moat
Jan 31American Express is on track to refresh approximately 40 products globally by the end of the year, including a refreshed US consumer gold card [source].Financial Position Analysis
Short Term Liabilities: AXP's short term assets ($244.6B) exceed its short term liabilities ($181.1B).
Long Term Liabilities: AXP's short term assets ($244.6B) exceed its long term liabilities ($60.1B).
Debt to Equity History and Analysis
Debt Level: AXP's net debt to equity ratio (44.4%) is considered high.
Reducing Debt: AXP's debt to equity ratio has reduced from 280% to 180.2% over the past 5 years.
Debt Coverage: AXP's debt is well covered by operating cash flow (25.8%).
Interest Coverage: Insufficient data to determine if AXP's interest payments on its debt are well covered by EBIT.
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/04/15 17:33 |
| End of Day Share Price | 2025/04/15 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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.
Analysis Model and Snowflake
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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 Github.
Analyst Sources
American Express Company is covered by 60 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.
| Analyst | Institution |
|---|---|
| Stephen Biggar | Argus Research Company |
| David George | Baird |
| Bruce Harting | Barclays |