American Express Company AXP
Financial Services · Credit Services · United States · S&P 500
Based on the available data, American Express Company gets an algorithmic score of 61/100. It trades at 305.40 $, with a bearish technical trend (RSI 34.2) and 26.9% annual volatility.
Updated: 2026-09-30
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Strengths
- High ROE (34.4%): generates strong profit on equity.
- Sustained revenue growth (11.0% compound annual).
- Attractive free-cash-flow yield (7.8%).
Weaknesses
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Fundamentals
| P/E | 18.52 |
| Forward P/E | 15.14 |
| PEG | 1.22 |
| P/B | 6.01 |
| P/S | 2.91 |
| ROE % | 34.38 |
| ROA % | 3.79 |
| Gross margin % | 62.34 |
| Operating margin % | 20.32 |
| Net margin % | 16.14 |
| Revenue growth % (y/y) | 12.80 |
| Earnings growth % (y/y) | 11.00 |
| Revenue CAGR % | 10.97 |
| Earnings CAGR % | 12.97 |
| Debt/Equity % | 172.38 |
| Current ratio | 1.55 |
| FCF yield % | 7.76 |
| Dividend yield % | 1.24 |
| Payout % | 21.48 |
Returns
| 1 month | -8.3 % |
| 3 months | -9.5 % |
| 6 months | +3.3 % |
| YTD | -17.6 % |
| 1 year | -9.7 % |
| 3 years | +106.6 % |
| 5 years | +98.8 % |
Risk
| 1-year volatility | 26.9 % |
| Beta | 1.20 |
| 5-year max drawdown | -31.6 % |
| Sharpe 1A | -0.39 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a US company, its valuation depends on the Fed, 10-year Treasury yields and the US earnings cycle.
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.