American Express (AXP) Research Report — Score, Intrinsic Value, Peer Rankings

American Express (AXP)Financial Services / Credit Services

StockRover

Stock Report | September 27, 2026

$308.89 $3.23(1.06%)as of Friday's close

52‑wk Range

$290.97

$387.49

Cap ($M USD) $208,596

P/E 18.7

EPS (1Y)15.7%

Dividend$3.80

Last Filing06/30/26

Sales ($M)75,951

Fwd. P/E 15.3

Sales (1Y)10.7%

Fwd. Yield 1.2%

Next Earnings10/23/26

AXP has underperformed the S&P 500 by -26.2% in the past year.

AXP has underperformed its sector by -12.2% in the past year.

The Financial Services sector has underperformed the market by -14.1% in the past year.

ANALYST CONSENSUS

Buy

The consensus rating has improved a little since last month when it was also Buy.

Strong Buy

Buy

Hold

Sell

Strong Sell

Strong BuyBuyHoldSellStrong Sell

QUANTITATIVE SCORES

Fair Value

$389.34

Low Confidence

Margin of Safety

26%

The Margin of Safety is the difference between a company's Fair Value and the current price. See more on page 8.

1 warning

Details on Page 8

Value Score

Value Score: Our value score looks at EV/EBITDA, P/E, P/S, P/TB (Price/Tangible Book) and EPS Predictability. P/S and P/TB are compared within a sector. Other metrics are compared across all stocks

Quality Score

Quality Score: Our quality score compares profitability and balance sheet metrics to find high quality companies using ROIC, Net Margin, Gross Margin, Interest Coverage, and Debt / Equity metrics.

Growth Score

Growth Score: Our growth score looks at the 5 year history and the forward estimates for EBITDA, Sales, and EPS growth, ranking the best companies across all stocks.

Sentiment Score

Sentiment Score: Our sentiment score finds stocks in favor by analyzing Short Interest, returns in key periods over the last year, Price vs. 52-wk High, Days Since 52-wk High and MACD signals.

BUSINESS SUMMARY

American Express is a global financial institution, operating in about 130 countries, that provides consumers and businesses charge and credit card payment products. The company also operates a highly profitable merchant payment network. It operates in four segments: US consumer services, US commercial services, international card services, and global merchant and network services. In addition to payment products, the company's commercial business offers expense management tools, consulting services, and business loans.

Employees 76,800Homepage www.americanexpress.comHeadquarters New York, NY

American Express (AXP)Financial Services / Credit Services

StockRover

Stock Report | September 27, 2026

VALUATION SUMMARY

	AXP	Industry	S&P 500
Value Score	86	70	69
Price / Earnings	18.7	22.6	27.0
Price / Sales	2.8	4.7	3.7
Price / Free Cash Flow	14.1	17.5	36.3
Price / Book	6.1	4.8	5.9
Price / Tangible Book	6.1	104.0	374.0
EV / EBITDA	-	25.4	19.7
EPS Predict. Pctl.	84	69	71
Piotroski F Score	7	5	6

5‑Year P/E Range	13.6 29.0
5‑Year P/B Range	3.9 8.3
5‑Year P/S Range	1.9 4.0

GROWTH SUMMARY

	AXP	Industry	S&P 500
Growth Score	64	58	78
Sales Growth
Sales Growth Next Year	9.1%	9.7%	23.2%
Sales 1‑Year Chg (%)	10.7%	16.9%	22.6%
Sales 3‑Year Avg (%)	10.0%	13.8%	14.8%
Sales 5‑Year Avg (%)	14.8%	15.9%	13.4%
EPS Growth
Next Yr. Growth Est.	13.9%	14.8%	33.7%
EPS 1‑Year Chg (%)	15.7%	31.9%	37.3%
EPS 3‑Year Avg (%)	18.7%	17.4%	18.3%
EPS 5‑Year Avg (%)	13.9%	16.9%	15.3%

PEERS ANALYSIS SUMMARY

Ticker

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Company

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Cap ($M USD)

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P/E

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Fwd. Yield

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1M Return

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1Y Return

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Margin of Safety

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Value Score

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Growth Score

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Quality Score

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Visa

$689,702

31.3

0.7%

-4.4%

10.6%

Mastercard

$497,267

31.2

0.6%

-5.3%

0.7%

AXP

American Express

$208,596

18.7

1.2%

-8.1%

-8.2%

COF

Capital One Financial

$122,819

12.9

1.6%

-7.4%

-8.6%

PYPL

PayPal Holdings

$47,084

10.4

1.0%

-11.4%

-16.6%

20%

AFRM

Affirm Holdings

$24,132

12.9

-8.2%

-12%

SYF

Synchrony Financial

$23,732

7.5

1.9%

-9.7%

-0.2%

SOFI

SoFi Technologies

$21,414

33.8

-12.7%

-41.0%

ALLY

Ally Financial

$11,799

9.1

3.1%

-8.9%

-2.2%

FCFS

FirstCash Holdings

$9,431

24.7

0.8%

-5.3%

41.8%

19%

OMF

OneMain Holdings

$6,598

8.6

7.3%

-9.3%

4.8%

CACC

Credit Acceptance

$5,768

12.3

-8.0%

19.1%

22%

American Express (AXP)Financial Services / Credit Services

StockRover

Stock Report | September 27, 2026

PROFITABILITY SUMMARY

	AXP	Industry	S&P 500
Quality Score	52	51	75
Gross Margin	0.0%	30.7%	32.8%
Operating Margin	26.2%	38.4%	16.9%
Net Margin	15.1%	21.4%	13.8%
Return on Assets	3.8%	10.9%	15.4%
Return on Equity	33.0%	54.7%	40.2%
ROIC	20.8%	37.6%	32.2%

RETURNS SUMMARY

	AXP	Industry	S&P 500
Sentiment Score	51	44	62
5‑Day Return	-0.9%	0.1%	1.2%
1‑Month Return	-8.1%	-5.4%	1.1%
YTD Return	-15.8%	-2.0%	14.0%
1‑Year Return	-8.2%	0.8%	18.5%
3‑Year Return	108.7%	47.5%	85.1%
5‑Year Return	86.8%	18.2%	85.9%
Beta 1‑Year	0.96	0.50	1.00

DIVIDEND

	AXP	Industry
Forward Dividend Yield	1.2%	0.9%
Payout Ratio	21.5%	20.7%
TTM Yield	1.2%	-
Fwd. Div. Per Share	$3.80	$2.73
Div. 1Y Chg (%)	15.9%	-
Div. 3Y Avg (%)	16.6%	-
Div. 5Y Avg (%)	17.2%	-
Cons. Growth Years	10+	-
Div. Coverage Ratio	4.3	4.8

DEBT & EQUITY

Price	$308.89
Net Cash Per Share	-$20.35
Equity Per Share	$50.79
Debt / Equity	1.7
Solvency Ratio	23%
Short % of Float	2.0%
Altman Z‑Score	1.0

ANALYST REVISIONS

Current Quarter EPS
# Up Last 30 days	5.00
# Down Last 30 days	17.00
Mean Estimate	4.61
% Change (30 Days)	0.36%

Next Quarter EPS
# Up Last 30 days	7.00
# Down Last 30 days	14.00
Mean Estimate	4.28
% Change (30 Days)	-0.18%

MEAN ESTIMATE TREND

	Cur Qtr	Next Qtr	Cur Year	Next Year
Latest	$4.61	$4.28	$17.70	$20.17
30 Days Ago	$4.59	$4.29	$17.67	$20.11
90 Days Ago	$4.68	$4.36	$17.69	$20.14
% Change (90 Days)	-1.6%	-1.8%	0.0%	0.1%

American Express (AXP)Financial Services / Credit Services

StockRover

Stock Report | September 27, 2026

EARNINGS SURPRISES

Earnings surprise is the difference between a company's announced earnings and the average analyst estimated value. Surprises typically causes the stock price to jump and are often followed by more of the same surprise type.

Surprise Summary (Last 12 Quarters)

Surprise Type	Amount	Percent
Positive Quarters (> 2%)	9	75.0%
Negative Quarters (< 2%)	0	-
In-Line Quarters (within 2%)	3	25.0%

Surprise Detail (Last 6 Quarters)

Surprise Type	Announce Date	Period End Date	Actual EPS	Est. EPS	Surprise (%)
Positive	07/24/26	06/30/26	$4.53	$4.41	2.7%
Positive	04/23/26	03/31/26	$4.28	$4.03	6.2%
In-Line	01/23/26	12/31/25	$3.53	$3.54	-0.3%
Positive	10/17/25	09/30/25	$4.14	$3.96	4.5%
Positive	07/18/25	06/30/25	$4.08	$3.86	5.7%
Positive	04/17/25	-	$3.64	$3.45	5.5%

RISK

	AXP	Industry	S&P 500
Best Monthly Return (5Y)	18.4%	11.6%	9.6%
Worst Monthly Return (5Y)	-16.4%	-11.6%	-9.6%
Beta 1‑Year	0.96	0.50	1.00
Volatility 1‑Year	0.27	0.19	0.13
Volatility 1Y Pctl.	26	-	-
Max Drawdown 1‑Year	-23.9%	-22.1%	-8.8%
Max Drawdown 3‑Year	-28.8%	-25.4%	-18.7%
Max Drawdown 5‑Year	-31.5%	-32.9%	-24.6%

SEASONALITY

Seasonal Performance vs the S&P 500

5-YEAR RELATIVE PERFORMANCE VS S&P 500

Relative to the S&P 500 baseline, AXP has outperformed the S&P 500 by 3.2% in the past 5 Years.

AXP has outperformed its sector by 31.4% in the past 5 Years.

The Financial Services sector has underperformed the market by -28.2% in the past 5 Years.

American Express 5-YEAR RELATIVE PERFORMANCE VS S&P 500 chart

American Express (AXP)Financial Services / Credit Services

StockRover

Stock Report | September 27, 2026

Overall Rating
vs. Peers

Ratings scores are relative to industry groups. They compare key metrics to rank stocks vs. their competitors.
For example, higher growth than peers will score high even when the absolute growth is below the market average.

Growth vs Peers

Ticker

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Company

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Growth Rating vs. Peers

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Sales QoQ Chg.

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Eps QoQ Chg.

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Sales Growth Next Y.

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Sales 1Y Chg (%)

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Sales 3Y Avg (%)

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Sales 5Y Avg (%)

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Mastercard

14.1%

22.1%

12.6%

16.0%

14.1%

16.1%

COF

Capital One Financial

26.9%

5.6%

45.1%

20.1%

16.2%

AXP

American Express

10.0%

11.0%

9.1%

10.7%

10.0%

14.8%

SYF

Synchrony Financial

2.0%

3.6%

5.2%

8.1%

6.3%

7.7%

PYPL

PayPal Holdings

4.8%

-3.1%

4.2%

5.7%

6.1%

7.4%

Valuation vs Peers

Ticker

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Company

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Valuation Rating vs. Peers

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P/E

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Fwd. P/E

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PEG Trailing

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P/S

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P/B

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5Y P/E Range

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SYF

Synchrony Financial

7.5

7.0

0.6

1.7

1.6

3.7

14.6

COF

Capital One Financial

12.9

8.4

2.0

1.1

3.6

500+

PYPL

PayPal Holdings

10.4

9.5

2.0

1.5

2.4

7.5

66.3

AXP

American Express

18.7

15.3

1.4

2.8

6.1

13.6

29.0

Mastercard

31.2

24.7

1.5

14.5

88.8

28.3

54.8

Efficiency vs Peers

Ticker

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Company

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Efficiency Rating vs. Peers

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Gross Margin

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Operating Margin

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Net Margin

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5Y ROE Range

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5Y ROA Range

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Mastercard

78.1%

59.8%

46.3%

118.8%

289.7%

23.8%

30.2%

PYPL

PayPal Holdings

45.8%

18.4%

14.4%

10.4%

25.8%

2.7%

6.9%

SYF

Synchrony Financial

0.0%

64.8%

23.4%

15.8%

30.6%

2.0%

4.5%

AXP

American Express

0.0%

26.2%

15.1%

27.4%

35.7%

3.3%

4.3%

COF

Capital One Financial

0.0%

45.7%

17.0%

-0.3%

19.6%

0.0%

3.0%

Financial Strength vs Peers

Ticker

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Company

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Financial Str. Rating vs. Peers

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Debt / Equity

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Interest Coverage

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Quick Ratio

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Intangibles %

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Solvency Ratio

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Short % of Float

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PYPL

PayPal Holdings

0.7

13.7

1.3

13.4%

10%

4.4%

Mastercard

4.4

28.0

1.1

25.9%

37%

0.9%

COF

Capital One Financial

0.4

7.1%

38%

2.0%

SYF

Synchrony Financial

1.0

1.2%

25%

7.3%

AXP

American Express

1.7

23%

2.0%

Dividends vs Peers

Ticker

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Company

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Dividends Rating vs. Peers

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Fwd. Yield

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TTM Yield

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Price

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Fwd. Div. Per Share

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Consecutive Div. Growth Years

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Payout Ratio

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SYF

Synchrony Financial

1.9%

1.7%

$72.94

$1.36

12.2%

AXP

American Express

1.2%

$308.89

$3.80

10+

21.5%

Mastercard

0.6%

$567.65

$3.48

10+

17.9%

COF

Capital One Financial

1.6%

$200.20

$3.20

18.6%

PYPL

PayPal Holdings

1.0%

$55.04

$0.56

7.9%

Momentum vs Peers

Ticker

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Company

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Momentum Rating vs. Peers

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1M Return

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3M Return

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6M Return

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YTD Return

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1Y Return

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Beta 1Y

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Volatility 1Y

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Price vs 52‑wk High (%)

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Mastercard

-5.3%

16.3%

13.3%

-0.1%

0.7%

0.29

0.22

94.4%

PYPL

PayPal Holdings

-11.4%

30.2%

23.4%

-4.9%

-16.6%

1.11

0.44

69.5%

COF

Capital One Financial

-7.4%

-1.9%

8.9%

-16.4%

-8.6%

1.32

0.32

77.1%

SYF

Synchrony Financial

-9.7%

-6.7%

8.8%

-11.5%

-0.2%

1.22

0.32

82.2%

AXP

American Express

-8.1%

-9.6%

3.5%

-15.8%

-8.2%

0.96

0.27

79.7%

American Express (AXP)Financial Services / Credit Services

StockRover

Stock Report | September 27, 2026

DIVIDEND DETAIL

CALENDAR YEAR DIVIDEND HISTORY

Year

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Ex-Dividend Date

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Pay Date

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Text

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Amount

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2026 Dividends

$2.72

07/02/26

08/10/26

Regular

$0.95

04/02/26

05/08/26

Regular

$0.95

01/02/26

02/10/26

Regular

$0.82

2025 Dividends

$3.16

10/10/25

11/10/25

Regular

$0.82

07/03/25

08/08/25

Regular

$0.82

04/04/25

05/09/25

Regular

$0.82

01/03/25

02/10/25

Regular

$0.70

2024 Dividends

$2.70

10/04/24

11/08/24

Regular

$0.70

07/05/24

08/09/24

Regular

$0.70

04/04/24

05/10/24

Regular

$0.70

01/04/24

02/09/24

Regular

$0.60

2023 Dividends

$2.32

10/05/23

11/10/23

Regular

$0.60

07/06/23

08/10/23

Regular

$0.60

04/05/23

05/10/23

Regular

$0.60

01/05/23

02/10/23

Regular

$0.52

2022 Dividends

$1.99

10/13/22

11/10/22

Regular

$0.52

06/30/22

08/10/22

Regular

$0.52

04/07/22

05/10/22

Regular

$0.52

01/06/22

02/10/22

Regular

$0.43

UPCOMING DIVIDEND

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Ex-Dividend Date

07/02/26

Payment Date

08/10/26

Amount

$0.95

Type

Regular

DIVIDEND RATE

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Regular Dividend

$0.95

Forward Dividend Rate

$3.80

Forward Dividend Yield

1.2%

Trailing 12 Months Dividends

$3.54

Trailing 12 Months Yield

1.2%

STATISTICS

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Payout Ratio

21.5

Dividend Coverage Ratio

4.3

Consecutive Growth Years

10+

3 Year Growth Rate

16.6%

5 Year Growth Rate

17.2%

10 Year Growth Rate

12.6%

American Express (AXP)Financial Services / Credit Services

StockRover

Stock Report | September 27, 2026

FINANCIAL STATEMENT SUMMARY

Income Statement

Revenue

Operating Income

Net income

Earnings per share diluted

Average shares diluted

P/E Ratio

Balance Sheet

Cash

Net Property, Plant and Equipment

Net Debt

Stockholders' Equity

Cash Flow

Operating Cash Flow

Cap Ex

Free Cash Flow

Free Cash Flow per share

Profitability

Operating Margin

Return on Assets

Return on Equity

Return on Invested Capital

Dividends

Dividends Per Share

Dividend Yield

Dividend Growth

Dividend Coverage

43,147

52,862

60,515

65,949

72,230

75,951

12.7%

9,260

11,909

15,615

17,672

19,148

19,898

17.5%

8,060

7,514

8,374

10,129

10,833

11,446

7.7%

$10.02

$9.85

$11.21

$14.01

$15.38

$16.48

11.1%

790

752

736

713

696

687

-2.9%

17.1

14.8

17.6

21.8

24.9

18.7

2.0%

21,522

33,537

46,530

40,552

47,708

45,166

16.9%

4,988

5,215

5,908

6,175

7,116

7,689

9.6%

19,396

10,384

2,629

10,537

10,051

13,883

-6.8%

22,177

24,711

28,057

30,264

33,474

34,280

9.6%

14,645

21,079

18,559

14,050

18,428

18,475

5.0%

-1,550

-1,855

-1,563

-1,911

-2,425

-3,423

13,095

19,224

16,996

12,139

16,003

15,052

3.0%

$16.58

$25.56

$23.09

$17.03

$22.99

$21.93

6.1%

21.5%

22.5%

25.8%

26.8%

26.5%

26.2%

4.3%

3.6%

3.4%

3.8%

3.7%

3.8%

-2.5%

35.7%

29.9%

29.4%

33.0%

32.0%

33.0%

-1.6%

14.6%

14.8%

19.6%

22.4%

20.8%

7.8%

$1.72

$1.99

$2.32

$2.70

$3.16

$3.80

18.2%

1.1%

1.4%

1.3%

0.9%

1.2%

3.4%

15.7%

16.6%

16.4%

17.0%

25.0%

5.8x

4.7x

5.0x

4.7x

-4.6%

USD in Millions

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Chart

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2021

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2022

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2023

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2024

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2025

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TTM

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CAGR

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VALUATION & PROFITABILITY HISTORY

Date

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TTM

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1 Yr Ago

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2 Yrs. Ago

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3 Yrs. Ago

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4 Yrs. Ago

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Price / Earnings

18.7

23.8

21.9

16.1

14.0

Price / Cash Flow

11.5

18.3

7.7

6.9

6.2

Price / Book

6.1

7.6

6.7

4.4

4.7

Price / Tangible Book

6.1

7.3

6.5

4.2

4.5

Price / Sales

2.8

3.6

3.1

2.1

2.4

EV / EBITDA

Forward Dividend Yield

1.2%

1.0%

1.1%

1.6%

1.5%

Shareholder Yield

4.8%

3.3%

3.8%

9.5%

Gross Margin

0.0%

Net Margin

15.1%

14.8%

15.5%

13.0%

15.8%

Return on Assets

3.8%

3.6%

3.8%

3.3%

4.0%

Return on Equity

33.0%

31.0%

32.9%

27.4%

32.1%

ROIC

20.8%

19.8%

21.2%

16.6%

13.4%

American Express (AXP)Financial Services / Credit Services

StockRover

Stock Report | September 27, 2026

WARNINGS

Name

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Severity

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Details

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Downward EPS Revisions

Low

Net EPS Rev. Cur. Qtr.: -12

Analyst estimates for the next quarter have been revised down. Check for recent news stories about why the future outlook is darker.

REPORT TIPS

Metric Definitions

Metric descriptions are available at
stockrover.com/help/metrics/metric-overview

Quantitative Scores

Our scores analytics is to offer our concise analysis of a stock in powerful, but easy to digest format. Each of the composite score metrics are designed to use the best available accounting practices as well as source data from SEC filings. The scores are computed for a company vs. the market as a whole.

Fair Value

Fair value performs a forecasted discounted cash flow analysis of a company to determine the company's intrinsic value based on the expected future cash flows the company will produce. It basically determines what a company is worth based on how much cash flow it is expected to generate for you in the future, taking into account the time value of money and the predictability of those forecasted cash flows.

Peers

Peer ratings are computed from ranking companies in the same industry group. The selection of peers shown in the tables above are chosen from the same industry and closest proximity of revenue.

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Additional data provided by Zacks, Intrinio, Quandl, Yodlee, IEX Cloud

American Express (AXP) Research Report — September 27, 2026

ANALYST CONSENSUS

QUANTITATIVE SCORES

BUSINESS SUMMARY

VALUATION SUMMARY

GROWTH SUMMARY

PEERS ANALYSIS SUMMARY

PROFITABILITY SUMMARY

RETURNS SUMMARY

DIVIDEND

DEBT & EQUITY

ANALYST REVISIONS

MEAN ESTIMATE TREND

EARNINGS SURPRISES

RISK

SEASONALITY

5-YEAR RELATIVE PERFORMANCE VS S&P 500

Growth vs Peers

Valuation vs Peers

Efficiency vs Peers

Financial Strength vs Peers

Dividends vs Peers

Momentum vs Peers

DIVIDEND DETAIL

Returns

CALENDAR YEAR DIVIDEND HISTORY

UPCOMING DIVIDEND

DIVIDEND RATE

STATISTICS

FINANCIAL STATEMENT SUMMARY

VALUATION & PROFITABILITY HISTORY

WARNINGS

REPORT TIPS

DISCLAIMER