NYSE: AXP
American Express Company
Financial Services · Financial - Credit Services
After hours: $344.22(-0.14%) · as of 6:17 PM ET
Market Cap
$232.79B
52w High
$387.49
52w Low
$290.63
P/E
20.42
Volume
2.18M
Outstanding Shares
675.31M
Price vs Fundamentals
Why The Stock Is Moving
What changed
The stock rose 15.45% over the last year. Revenue grew 9.38% over the trailing twelve months. Operating margin moved from 16.71% to 27.18%. Free cash flow grew 35.69% over the trailing twelve months.
What the market seems to be pricing
The stock is trading toward the richer end of its historical P/FCF range (80th percentile) while business metrics are improving. More of the upside is already embedded in the multiple now.
What would invalidate this read
Operating margin is at 27.18% — continued expansion would be needed to justify the premium. Revenue growth of 9.38% is encouraging, but any deceleration puts the stretched multiple at risk. This read changes if revenue, margins, and cash flow continue to improve faster than expected — in that case the richer multiple could still prove conservative.
Company profile
Operating globally, American Express Company and its affiliated entities deliver a comprehensive suite of charge and credit payment card solutions, alongside a variety of travel-related offerings.
Valuation
Stock splits
Every 8753 shares became 10000
Every 1 shares became 3
Every 353 shares became 400
Every 1 shares became 2
Every 2 shares became 3
Every 3 shares became 4
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Analyst consensus
23
Buy
30
Hold
4
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Oct 23, 2026
Q4 FY26 · EPS est $4.58 · Revenue est $20.11B
View
Dividends
$3.54/shareQuarterlyDividend Aristocrat · 33yrSafeAXP pays a dividend with a 1.03% dividend yield, 33 consecutive years of growth, growing at 15.53% annually, covered 7.0× by free cash flow.
Dividend Yield
1.03%
Annual Div / Share
$3.54
5yr CAGR
+15.53%
Doubles every ~4.8yr
Payout Ratio
21.12%
Safe
Dividend Growth Rate
3yr CAGR
+16.48%
5yr CAGR
+15.53%
10yr CAGR
+11.8%
Dividend History
Annualized dividend cycles per share
Income Projection
Today
$1/mo
In 5 yrs
$2/mo
In 10 yrs
$3/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$10/yr $1/mo | $18/yr+76% $2/mo | $32/yr+211% $3/mo |
Long-range projections use a capped 12% annual growth assumption.
Yield-on-cost grows from 1.03% → 3.19% over 10yr
Analysis
Dividend Strengths
Dividend Aristocrat
AXP has raised its dividend for 33 consecutive years — qualifying as a Dividend Aristocrat, demonstrating long-term commitment to shareholder income.
Well-covered by free cash flow
The dividend is covered 7.0× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Strong dividend growth rate
The 5-year CAGR of 15.53% meaningfully outpaces inflation, compounding real income growth for long-term holders.
Risks to Watch
No strong risk signal stands out from the latest period pair.