AXP Stock Overview
American Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide.
American Express Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$158.75|
|52 Week High||US$199.55|
|52 Week Low||US$149.88|
|1 Month Change||-12.37%|
|3 Month Change||-17.47%|
|1 Year Change||1.02%|
|3 Year Change||33.32%|
|5 Year Change||106.71%|
|Change since IPO||1,265.59%|
Recent News & Updates
American Express: Unusual Insider And Institutional Activity
The financial sector is poised to be volatile, with investors pricing in rate hikes from the Fed before year end. American Express has unique exposure to this volatility with many of its products tied to federal interest rates/the prime rate. That said, Q1 2022 earnings beat expectations and company financials are strong. The stock has seen a lot of unusual volume from corporate insiders, institutions, and hedge funds.
|AXP||US Consumer Finance||US Market|
Return vs Industry: AXP exceeded the US Consumer Finance industry which returned -19.4% over the past year.
Return vs Market: AXP exceeded the US Market which returned -10.4% over the past year.
|AXP Average Weekly Movement||5.8%|
|Consumer Finance Industry Average Movement||8.9%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.7%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: AXP is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: AXP's weekly volatility (6%) has been stable over the past year.
About the Company
American Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide. The company operates through three segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. Its products and services include payment and financing products; network services; accounts payable expense management products and services; and travel and lifestyle services.
American Express Fundamentals Summary
|AXP fundamental statistics|
Is AXP overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|AXP income statement (TTM)|
|Cost of Revenue||US$14.18b|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||10.33|
|Net Profit Margin||16.98%|
How did AXP perform over the long term?See historical performance and comparison
1.3%Current Dividend Yield
Does AXP pay a reliable dividends?See AXP dividend history and benchmarks
|American Express dividend dates|
|Ex Dividend Date||Jun 30 2022|
|Dividend Pay Date||Aug 10 2022|
|Days until Ex dividend||44 days|
|Days until Dividend pay date||85 days|
Does AXP pay a reliable dividends?See AXP dividend history and benchmarks
Is American Express undervalued compared to its fair value and its price relative to the market?
Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: AXP ($158.75) is trading below our estimate of fair value ($256.75)
Significantly Below Fair Value: AXP is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: AXP is poor value based on its PE Ratio (15.4x) compared to the US Consumer Finance industry average (6.3x).
PE vs Market: AXP is good value based on its PE Ratio (15.4x) compared to the US market (15.5x).
Price to Earnings Growth Ratio
PEG Ratio: AXP is poor value based on its PEG Ratio (1.7x)
Price to Book Ratio
PB vs Industry: AXP is overvalued based on its PB Ratio (5.3x) compared to the US Consumer Finance industry average (1.1x).
How is American Express forecast to perform in the next 1 to 3 years based on estimates from 21 analysts?
Future Growth Score3/6
Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: AXP's forecast earnings growth (9.2% per year) is above the savings rate (1.9%).
Earnings vs Market: AXP's earnings (9.2% per year) are forecast to grow slower than the US market (12.6% per year).
High Growth Earnings: AXP's earnings are forecast to grow, but not significantly.
Revenue vs Market: AXP's revenue (11% per year) is forecast to grow faster than the US market (8% per year).
High Growth Revenue: AXP's revenue (11% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: AXP's Return on Equity is forecast to be high in 3 years time (36.9%)
How has American Express performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AXP has high quality earnings.
Growing Profit Margin: AXP's current net profit margins (17%) are higher than last year (14.7%).
Past Earnings Growth Analysis
Earnings Trend: AXP's earnings have grown by 10.7% per year over the past 5 years.
Accelerating Growth: AXP's earnings growth over the past year (58.5%) exceeds its 5-year average (10.7% per year).
Earnings vs Industry: AXP earnings growth over the past year (58.5%) exceeded the Consumer Finance industry 29%.
Return on Equity
High ROE: Whilst AXP's Return on Equity (35.4%) is high, this metric is skewed due to their high level of debt.
How is American Express's financial position?
Financial Health Score4/6
Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: AXP's short term assets ($170.1B) exceed its short term liabilities ($104.4B).
Long Term Liabilities: AXP's short term assets ($170.1B) exceed its long term liabilities ($69.1B).
Debt to Equity History and Analysis
Debt Level: AXP's net debt to equity ratio (66.5%) is considered high.
Reducing Debt: AXP's debt to equity ratio has reduced from 265.3% to 181.4% over the past 5 years.
Debt Coverage: AXP's debt is well covered by operating cash flow (40%).
Interest Coverage: Insufficient data to determine if AXP's interest payments on its debt are well covered by EBIT.
What is American Express's current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: AXP's dividend (1.31%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.54%).
High Dividend: AXP's dividend (1.31%) is low compared to the top 25% of dividend payers in the US market (4.05%).
Stability and Growth of Payments
Stable Dividend: AXP's dividends per share have been stable in the past 10 years.
Growing Dividend: AXP's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its low payout ratio (18.1%), AXP's dividend payments are well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its low cash payout ratio (10.8%), AXP's dividend payments are thoroughly covered by cash flows.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Steve Squeri (61 yo)
Mr. Stephen Joseph Squeri, also known as Steve, has been Chairman and Chief Executive Officer at American Express Co. since February 2018. Mr. Squeri was Vice Chairman of American Express Company since Jul...
CEO Compensation Analysis
Compensation vs Market: Steve's total compensation ($USD25.51M) is above average for companies of similar size in the US market ($USD13.26M).
Compensation vs Earnings: Steve's compensation has been consistent with company performance over the past year.
Experienced Management: AXP's management team is considered experienced (4.3 years average tenure).
Experienced Board: AXP's board of directors are considered experienced (6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: AXP insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
American Express Company's employee growth, exchange listings and data sources
- Name: American Express Company
- Ticker: AXP
- Exchange: NYSE
- Founded: 1850
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: US$119.548b
- Shares outstanding: 753.06m
- Website: https://www.americanexpress.com
Number of Employees
- American Express Company
- 200 Vesey Street
- New York
- New York
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/15 00:00|
|End of Day Share Price||2022/05/13 00:00|
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.