American Express issues charge and credit cards to consumers and businesses, and operates the payment network that processes transactions on those cards. Revenue comes from card fees, interest on revolving balances, and merchant fees (a percentage of each transaction). Commercial customers also get access to expense management tools and small business loans. Unlike Visa or Mastercard, Amex typically acts as both the card issuer and the network, capturing economics on both sides of the transaction.
Employees76,800IPOJun 1, 1972SIC6141HQ200 Vesey Street, New York, NY, USA, 10285
to
Financials
Profitability
Metric
Current
Margins
Gross Margin
—
Operating Margin
—
EBITDA Margin
—
Net Margin
15.1%
OCF Margin
24.3%
FCF Margin
19.8%
Returns on Capital
ROE
34.4%
ROA
3.8%
ROIC
—
ROCE
0.0%
ROC (Greenblatt)
0.0%
3Y ROIIC
0.0%
Consistency
Years Profitable / 10Y
10
Valuation
Metric
Current
Earnings Multiples
P/E (TTM)
19.03
Forward P/E
17.79
P/E ex-NRI
18.90
Shiller P/E (CAPE)
29.03
Cash Flow Multiples
P/FCF
14.31
P/OCF
11.65
P/Owner Earnings
17.36
FCF Yield
7.10%
Enterprise Value Multiples
EV / EBIT
—
EV / Forward EBIT
—
EV / EBITDA
—
EV / Forward EBITDA
—
EV / Revenue
3.02
EV / Forward Revenue
3.47
Asset / Sales
P/S
2.86
P/B
6.18
P/Tangible Book
6.18
Growth-Adjusted
PEG
1.56
Capital Returns
Metric
Current
Dividends
Dividend Yield (TTM)
1.12%
Forward Dividend Yield
1.22%
3Y Dividend Growth
16.4%
Payout Ratio
0.21
5Y Yield on Cost
2.11%
Buybacks & Dilution
3Y Buyback Ratio
2.60%
5Y Share Change
−13.6%
Combined
Shareholder Yield
2.48%
Balance Sheet
Metric
Current
Leverage
Debt / Equity
1.72
Gross Debt / EBITDA
—
Cash / Debt
0.77
Equity / Assets
0.11
Coverage
Interest Coverage
—
Short-Term Liquidity
Current Ratio
0.00
Quick Ratio
0.00
Cash Ratio
0.00
Composite Scores
Piotroski F-Score
9
Altman Z-Score
—
Split History
Date
Split
2000-05-11
3:1
1987-05-11
2:1
1983-08-11
1.5:1
1983-02-11
1.3333:1
1972-04-26
3:1
Ex-date
Amount
Pay date
2026-07-02
$0.95
2026-08-10
2026-04-02
$0.95
2026-05-08
2026-01-02
$0.82
2026-02-10
2025-10-10
$0.82
2025-11-10
2025-07-03
$0.82
2025-08-08
2025-04-04
$0.82
2025-05-09
2025-01-03
$0.7
2025-02-10
2024-10-04
$0.7
2024-11-08
2024-07-05
$0.7
2024-08-09
2024-04-04
$0.7
2024-05-10
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View allDate
Transcript
Type
2026-07-24
Q2 2026 American Express Co Earnings Call Transcript
Earnings Call
2026-06-09
American Express Co at Morgan Stanley US Financials Conference Transcript
Conference Presentations
2026-05-28
American Express Co at Bernstein Strategic Decisions Conference Transcript
Conference Presentations
2026-04-23
Q1 2026 American Express Co Earnings Call Transcript
Earnings Call
2026-02-10
American Express Co at UBS Financial Services Conference Transcript
Conference Presentations
2026-01-30
Q4 2025 American Express Co Earnings Call Transcript
Earnings Call
2025-12-10
American Express Co at Goldman Sachs U.S. Financial Services Conference Transcript
Conference Presentations
2025-10-17
Q3 2025 American Express Co Earnings Call Transcript
Earnings Call
2025-07-18
Q2 2025 American Express Co Earnings Call Transcript
Earnings Call
2025-04-17
Q1 2025 American Express Co Earnings Call Transcript
Earnings Call
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5-Step DuPont Analysis
ROE %
34.37%
×
×
Net Margin %
15.07%
×
×
Operating Margin %
—
Operating Income
—
÷
Revenue
$75.95B
×
Tax Burden
0.7752
Net Income
$11.45B
÷
Pretax Income
$14.76B
×
Interest Burden
—
Pretax Income
$14.76B
÷
Operating Income
—
×
Asset Turnover
0.25
÷
Revenue
$75.95B
÷
Average Total Assets
$301.88B
Begin Total Assets
$295.56B
End Total Assets
$308.20B
×
Equity Multiplier
9.07
÷
Avg Total Assets
$301.88B
÷
Avg Stockholders Equity
$33.30B
Begin Equity
$32.31B
End Equity
$34.28B
Top institutional holders
Q2 2026| Holder | Shares | % Owned | Chg. shares | |
|---|---|---|---|---|
| Berkshire Hathaway Inc | 151.6M | 22.08% | 0 | $51.28B |
| BlackRock, Inc. | 42.0M | 6.12% | +96.1K | $14.21B |
| VANGUARD CAPITAL MANAGEMENT LLC | 35.2M | 5.13% | +2.2M | $11.91B |
| STATE STREET CORP | 29.1M | 4.24% | -131.9K | $9.84B |
| JPMORGAN CHASE & CO | 20.5M | 2.98% | +51.6K | $6.97B |
| GEODE CAPITAL MANAGEMENT, LLC | 14.0M | 2.04% | -146.9K | $4.73B |
| MORGAN STANLEY | 13.1M | 1.91% | +312.4K | $4.44B |
| Fisher Asset Management, LLC | 9.4M | 1.37% | +176.3K | $3.19B |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 8.7M | 1.27% | +787.0K | $2.96B |
| NORGES BANK | 8.0M | 1.16% | new | $2.70B |
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View allTop insider holdings
as reported| Insider | Shares held | % Owned | |
|---|---|---|---|
| Williams Anre DOfficer | 128.2K | 0.0187% | $40.20M |
| Rutledge ElizabethOfficer | 90.2K | 0.0131% | $28.28M |
| Skyler JenniferOfficer | 25.7K | 0.0037% | $8.07M |
| Marrs AnnaOfficer | 20.4K | 0.0030% | $6.40M |
| Le Caillec ChristopheOfficer | 18.7K | 0.0027% | $5.85M |
| Marquez RafaelOfficer | 17.3K | 0.0025% | $5.42M |
| Herena MoniqueOfficer | 12.4K | 0.0018% | $3.90M |
| Joabar RaymondOfficer | 10.2K | 0.0015% | $3.20M |
| Buckminster Douglas E.Officer | — | — | — |
| Squeri Stephen JOfficer | — | — | — |
10 of 18· 2 withheld
View allRecent insider activity
through Aug 18, 2026| Insider | Action | Shares | Date | |
|---|---|---|---|---|
| Herena MoniqueOfficer | Open-Market or Private Sale | -8.8K | $2.97M | Aug 18, 2026 |
| McNeal Glenda GOfficer | Open-Market or Private Sale | -7.0K | $2.39M | Jun 15, 2026 |
| Joabar RaymondOfficer | Open-Market or Private Sale | -16 | $4,820 | Mar 13, 2026 |
| Lieberman Quinn JessicaOfficer | Open-Market or Private Sale | -3.0K | $909.7K | Mar 6, 2026 |
| Joabar RaymondOfficer | Open-Market or Private Sale | -24 | $7,436 | Mar 2, 2026 |
| Joabar RaymondOfficer | Open-Market or Private Sale | -2.8K | $961.0K | Feb 19, 2026 |
| Joabar RaymondOfficer | Open-Market or Private Sale | -2.8K | $965.7K | Feb 19, 2026 |
| Joabar RaymondOfficer | Open-Market or Private Sale | -5.0K | $1.70M | Feb 19, 2026 |
| Joabar RaymondOfficer | Open-Market or Private Sale | -3.3K | $1.14M | Feb 19, 2026 |
| Grosfield HowardOfficer | Open-Market or Private Sale | -8.1K | $2.82M | Feb 12, 2026 |
10 of 2,431
View all