Fundamental analysis · SEC EDGAR · TTM through 30/06/2026
AXP · NYSE · Financial
Fundamental quality
93
out of 100
American Express Co fits the profile of a quality compounder: it pairs high return on capital (ROE 33.4%) with wide margins (net margin 26.6%) and a business that keeps growing (13% a year). On fundamental quality it scores 93 out of 100, profiling it as a company with solid fundamentals. Whether it's cheap or expensive depends on the current price, which you can compute in the tool.
American Express is both the payments network and the issuing bank for its cards, focused on affluent customers and businesses. It earns from the fees it charges merchants and the annual fees on its premium cards, plus interest.
EPS growth: 30.8% · Revenue growth: 13%
Net margin: 26.6% · ROE: 33.4%
FCF: 34.9%
Source: SEC EDGAR · TTM through 30/06/2026
The score includes +1 for dividend strength: 4 consecutive years of increases. Keeping that streak demands growing cash generation and balance-sheet discipline.
The score combines growth, profitability and financial strength, and here its pillars hold up evenly.
Percentile against the other 71 Financial companies in our coverage: how far it beats them on each metric (100 = best in sector).
Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.
Key concepts
What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow
| Year | Revenue | Net income | Free cash flow | Net debt |
|---|---|---|---|---|
| 2020 | 21,974 | 3,135 | 4,113 | 11,865 |
| 2021 | 27,716 | 8,060 | 13,095 | 19,415 |
| 2022 | 34,219 | 7,514 | 19,224 | 10,551 |
| 2023 | 37,218 | 8,374 | 16,996 | 2,563 |
| 2024 | 38,825 | 10,129 | 12,139 | 10,449 |
| 2025 | 41,304 | 10,833 | 16,003 | 9,966 |
Between 2020 and 2025, revenue went from $21,974M to $41,304M (+88%) and net income went from $3,135M to $10,833M (+246%). Meanwhile, its margins have widened (from 14% to 26%).
Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.
Latest results
Figures for the half-year ended June 30, 2026, versus the half-year ended June 30, 2025 (SEC filings):
Compared with the previous close (March 31, 2026), this is what moved in its accounts:
Automatic comparison between the two most recent periods filed with the SEC. One quarter doesn't make a trend: read it alongside the historical evolution above.
$3.28
per share, yearly
21% of earnings
Payout
4 straight years raising it
Growth
The dividend yield depends on today's price. Compute it in the analyzer → · See all dividend-paying stocks →
Open your account in minutes with regulated brokers and buy U.S. and European stocks from small amounts. No paperwork.
The serious investor's standard
Open free account →Anyone who wants low commissions and access to almost any market in the world.
Popular in the U.S.
Open free account →Anyone investing in the U.S. who wants a powerful, commission-free stock app.
Investing carries risk of loss.
Is American Express Co cheap or expensive?
That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).
Compute the valuation →Is American Express Co a good company to invest in?
In terms of business quality, American Express Co scores 93 out of 100 in our analysis, placing it as a company of high fundamental quality. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.
Is American Express Co a profitable company?
Very. American Express Co shows a net margin of 26.6% and an ROE of 33.4%, typical of a highly profitable business.
Is American Express Co growing?
Its revenue has grown 13% annualized in recent years and its earnings per share 30.8%, and without interruption since 2020.
Does American Express Co generate cash?
Yes. It converts about 34.9% of its revenue into free cash flow, and has done so positively year after year.
The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.
More Financial companies
Nasdaq (NDAQ) · Fifth Third Bancorp (FITB) · M&T Bank (MTB) · Coinbase (COIN) · Robinhood (HOOD) · Equifax (EFX) · see more →
The best Financial stocks by our model →
Compare American Express Co with 500+ companies in the screener →
Who's behind the methodology and model · how the score is computed
Data: see American Express Co's filings on EDGAR
Spotted a figure that looks wrong? Report it and we'll review it.