AMERICAN EXPRESS CO financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
AXP on NYSE
Location
New York, NY
Fiscal year end
31 December
Latest financial report
06 Feb 2026

Quick Takeaways

  • AXP - AMERICAN EXPRESS CO financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity 34%.

What Changed

  • Return On Equity YoY change: <span class="text-red-600">-2.1%</span>.
  • Most recent SEC facts end date: 30 Jan 2026.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2026-01-30) highlights Return On Equity 34.0%, Return On Assets 3.8%, and Operating Margin 17.5%.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

65.0/100

Balanced Confidence high

Return On Equity

34%

Metric score 100.0/100

Return On Assets

3.8%

Metric score 22.4/100

Financial Health

Current Ratio
1.4x
Quick Ratio
1.39x
Debt to Equity
1.91x

Strengths

Return On Equity, Current Ratio, and Quick Ratio

Watchpoints

Return On Assets and Debt-to-equity

Key metrics snapshot

Return On Equity

34%

YoY: -2.1%

Industry median: -7.7% (n=122)

View history

Return On Assets

3.8%

YoY: -0.34%

Industry median: -10% (n=122)

View history

Operating Margin

17%

YoY:

Industry median: -110% (n=58)

View history

Current Ratio

1.4x

YoY:

Industry median: 1.28x (n=84)

View history

Quick Ratio

1.39x

YoY:

Industry median: 1.26x (n=30)

View history

Debt-to-equity

1.91x

YoY: -0.99%

Industry median: 0.33x (n=76)

View history

Revenues YoY

6.4%

YoY:

Industry median: 9.9% (n=72)

View history

NetIncomeLoss YoY

7%

YoY:

Industry median: -104% (n=105)

View history

Profitability

Metric Latest value YoY change
Return On Equity 34% -2.1%
Return On Assets 3.8% -0.34%
Operating Margin 17%

Financial Health

Metric Latest value YoY change
Current Ratio 1.4x
Quick Ratio 1.39x
Debt-to-equity 1.91x -1%

Growth

Metric Latest value YoY change
Revenues YoY 6.4%
NetIncomeLoss YoY 7%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 686,614,005 -2.3%
Common Stock, Shares, Outstanding 686,000,000 -2.3%
Common Stock, Value, Issued $138,000,000 -2.1%
Weighted Average Number of Shares Outstanding, Basic 695,000,000 -2.4%
Weighted Average Number of Shares Outstanding, Diluted 696,000,000 -2.4%

Additional Metrics

Metric Latest value YoY change
Revenue from Contract with Customer, Excluding Assessed Tax $41,304,000,000 +6.4%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $13,795,000,000 +7%
Income Tax Expense (Benefit) $2,962,000,000 +7.1%
Earnings Per Share, Basic 15.41 +9.8%
Earnings Per Share, Diluted 15.38 +9.8%
Property, Plant and Equipment, Net $6,118,000,000 +14%
Operating Lease, Right-of-Use Asset $998,000,000 +24%
Goodwill $4,872,000,000 +16%
Assets $300,052,000,000 +11%
Employee-related Liabilities, Current $3,091,000,000 +16%
Liabilities $266,578,000,000 +11%
Accumulated Other Comprehensive Income (Loss), Net of Tax $3,277,000,000 +3.5%
Retained Earnings (Accumulated Deficit) $25,487,000,000 +15%
Stockholders' Equity Attributable to Parent $33,474,000,000 +11%
Liabilities and Equity $300,052,000,000 +11%
Common Stock, Shares Authorized 3,600,000,000 0%
Common Stock, Shares, Issued 686,000,000 -2.3%
Common Stock, Par or Stated Value Per Share 0.2 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $47,792,000,000 +18%
Deferred Tax Assets, Valuation Allowance $718,000,000 +9.6%
Deferred Tax Assets, Gross $8,430,000,000 +9.6%
Operating Lease, Liability $1,136,000,000 +22%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $10,951,000,000 +12%
Lessee, Operating Lease, Liability, to be Paid $1,677,000,000 +17%
Lessee, Operating Lease, Liability, to be Paid, Year Two $172,000,000 +18%
Lessee, Operating Lease, Liability, to be Paid, Year One $175,000,000 +9.4%
Operating Lease, Weighted Average Discount Rate, Percent 0.04 0%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $541,000,000 +8.2%
Lessee, Operating Lease, Liability, to be Paid, Year Three $158,000,000 +22%
Preferred Stock, Shares Issued 1,600 0%
Preferred Stock, Shares Authorized 20,000,000 0%
Unrecognized Tax Benefits $1,102,000,000 +9.5%
Lessee, Operating Lease, Liability, to be Paid, Year Four $129,000,000 +6.6%
Additional Paid in Capital $11,126,000,000 -2.1%
Preferred Stock, Shares Outstanding 1,600 0%
Deferred Tax Assets, Net of Valuation Allowance $7,712,000,000 +9.6%
Preferred Stock, Par or Stated Value Per Share 1.67 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY