Is AXP a good stock to buy right now?

Based on our 6-factor quantitative model, AMERICAN EXPRESS CO (AXP) receives a "Hold" rating with a composite score of 54.0/100. It is ranked #1,358 out of 4,446 stocks. Key factor scores: Quality 72/100, Value 61/100, Momentum 42/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for AXP?

AMERICAN EXPRESS CO (AXP) has a "Hold" rating and 3-star score. The composite score of 54.0 ranks it #1,358 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is AXP in?

AMERICAN EXPRESS CO operates in the Financials sector (Banking industry) with a market cap of $206.73 billion. It is classified as a mega-cap stock.

Does AXP pay a dividend?

AXP does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is AXP's P/E ratio?

AXP has a trailing P/E ratio of 19.94x. The Financials sector average is 14.9x. This P/E is in a moderate range relative to the broader market.

How profitable is AXP?

AXP's quality factor score is 72/100. Gross margin: 0.0%. ROE: 32.5% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is AXP valued compared to peers?

AXP's value factor score is 61/100 (higher = cheaper). Key multiples: P/E 19.9x, EV/EBITDA 19.6x. The stock appears attractively valued versus peers.

What is AXP's debt level?

AXP's debt-to-equity ratio is 168%. Sector average: 121%. Elevated leverage increases credit risk.

AXP has a beta of 1.27, meaning it amplifies market moves. Stability score: 72/100.

Does AXP have high short interest?

AXP's short interest factor score is 26/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

AXP Stock Analysis: Hold (Score 54.0/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
AXP	-1.34%	+4.44%	+3.41%	-15.26%	+26.98%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-1.28%	+0.83%	+3.08%	-14.90%	-2.54%	-	-	-
Alpha vs Sector	-0.25%	+1.93%	+2.00%	-7.96%	+16.39%	-	-	-

Metric	AXP	Benchmark
P/E Ratio	19.9x	+34%
EV/EBITDA	19.6x	+503%
Price / Book	6.5x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	9.2x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	11.0x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.8x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	10.0x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.9x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	13.0x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.4x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	10.0x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	13.2x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
AXP AMERICAN EXPRESS CO	54	72	61	42	19.9x	32.5%	0.0%	27.1%	6.1%	168.0x	$206.7B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	0.2%	0.2%	0.2%	0.2%	0.2%
Operating Margin %	0.3%	0.3%	0.3%	0.3%	0.3%	0.4%	0.8%	0.8%	0.8%	0.8%	0.8%
EBITDA Margin %	0.3%	0.3%	0.3%	0.3%	0.3%	0.4%	0.2%	0.2%	0.2%	0.3%	0.3%
Net Margin %	0.3%	0.3%	0.3%	0.2%	0.2%	0.3%	0.1%	0.2%	0.2%	0.1%	0.2%
FCF Margin %	-13.9%	-	-	-	-	-	11.4%	27.5%	18.9%	37.3%	-0.4%
ROE %	0.3%	0.3%	0.3%	0.3%	0.3%	0.4%	0.1%	0.3%	0.3%	0.1%	0.3%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	0.1%	12.1%	12.7%	10.9%	11.3%	13.9%	34.3%	33.0%	32.1%	29.6%	30.3%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.2%

Operating Margin %

0.3%

0.4%

0.8%

EBITDA Margin %

0.3%

0.4%

0.2%

0.3%

Net Margin %

0.3%

0.2%

0.3%

0.1%

0.2%

0.1%

0.2%

FCF Margin %

-13.9%

11.4%

27.5%

18.9%

37.3%

-0.4%

ROE %

0.3%

0.4%

0.1%

0.3%

0.1%

0.3%

ROA %

0.0%

ROIC %

0.1%

12.1%

12.7%

10.9%

11.3%

13.9%

34.3%

33.0%

32.1%

29.6%

30.3%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$40.1B	$41.3B	$38.8B	$37.2B	$34.2B	$27.7B	$36.1B	$43.6B	$40.3B	$33.5B	$32.1B	$32.8B
	—	—	—	—	—	—	$8.0B	$8.6B	$7.7B	$6.4B	$5.8B	$5.9B
Gross Margin	0.0%	---	---	---	---	---	22.1%	19.8%	19.0%	19.2%	18.0%	18.0%
	—	—	—	—	—	—	$1.5B	$1.2B	$1.3B	$1.3B	$1.1B	$1.0B
Total Operating Expenses	—	$27.5B	$25.9B	$26.7B	$24.6B	$17.0B	—	—	—	—	—	—
	$13.9B	$13.8B	$12.9B	$10.5B	$9.6B	$10.7B	$28.1B	$34.9B	$32.7B	$27.0B	$26.3B	$26.9B
EBIT	$13.9B	$13.8B	$12.9B	$10.5B	$9.6B	$10.7B	$28.1B	$34.9B	$32.7B	$27.0B	$26.3B	$26.9B
EBITDA	$13.9B	$13.8B	$12.9B	$10.5B	$9.6B	$10.7B	$5.8B	$9.6B	$9.4B	$8.7B	$9.1B	$9.0B
Operating Margin	34.7%	33.4%	33.2%	28.2%	28.0%	38.6%	77.9%	80.2%	81.0%	80.8%	82.0%	82.0%
EBITDA Margin	34.7%	33.4%	33.2%	28.2%	28.0%	38.6%	16.2%	22.1%	23.3%	26.1%	28.4%	27.4%
	—	—	—	$6.8B	$2.8B	$1.3B	$2.1B	$3.5B	$2.9B	$2.1B	$1.7B	$1.6B
	—	$13.8B	$12.9B	$10.5B	$9.6B	$10.7B	—	—	—	—	—	—
Income Tax Expense	—	$3.0B	$2.8B	$2.1B	$2.1B	$2.6B	$1.2B	$1.7B	$1.2B	$4.7B	$2.7B	$2.8B
	$10.9B	$10.8B	$10.1B	$8.4B	$7.5B	$8.1B	$3.1B	$6.8B	$6.9B	$2.7B	$5.4B	$5.2B
Net Margin	27.1%	26.2%	26.1%	22.5%	22.0%	29.1%	8.7%	15.5%	17.2%	7.4%	15.2%	15.7%
	$15.41	$15.41	$14.04	$11.23	$9.86	$10.04	$3.77	$8.00	$7.93	$2.98	$5.67	$5.07
Diluted EPS	$15.41	$15.38	$14.01	$11.21	$9.85	$10.02	$3.77	$8.00	$7.93	$2.98	$5.67	$5.07
Weighted Avg Basic	—	695M	712M	735M	751M	789M	—	—	—	—	—	—
Weighted Avg Diluted	—	696M	713M	736M	752M	790M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$40.1B

$41.3B

$38.8B

$37.2B

$34.2B

$27.7B

$36.1B

$43.6B

$40.3B

$33.5B

$32.1B

$32.8B

—

$8.0B

$8.6B

$7.7B

$6.4B

$5.8B

$5.9B

Gross Margin

0.0%

---

22.1%

19.8%

19.0%

19.2%

18.0%

—

$1.5B

$1.2B

$1.3B

$1.1B

$1.0B

Total Operating Expenses

—

$27.5B

$25.9B

$26.7B

$24.6B

$17.0B

—

$13.9B

$13.8B

$12.9B

$10.5B

$9.6B

$10.7B

$28.1B

$34.9B

$32.7B

$27.0B

$26.3B

$26.9B

EBIT

$13.9B

$13.8B

$12.9B

$10.5B

$9.6B

$10.7B

$28.1B

$34.9B

$32.7B

$27.0B

$26.3B

$26.9B

EBITDA

$13.9B

$13.8B

$12.9B

$10.5B

$9.6B

$10.7B

$5.8B

$9.6B

$9.4B

$8.7B

$9.1B

$9.0B

Operating Margin

34.7%

33.4%

33.2%

28.2%

28.0%

38.6%

77.9%

80.2%

81.0%

80.8%

82.0%

EBITDA Margin

34.7%

33.4%

33.2%

28.2%

28.0%

38.6%

16.2%

22.1%

23.3%

26.1%

28.4%

27.4%

—

$6.8B

$2.8B

$1.3B

$2.1B

$3.5B

$2.9B

$2.1B

$1.7B

$1.6B

—

$13.8B

$12.9B

$10.5B

$9.6B

$10.7B

—

Income Tax Expense

—

$3.0B

$2.8B

$2.1B

$2.6B

$1.2B

$1.7B

$1.2B

$4.7B

$2.7B

$2.8B

$10.9B

$10.8B

$10.1B

$8.4B

$7.5B

$8.1B

$3.1B

$6.8B

$6.9B

$2.7B

$5.4B

$5.2B

Net Margin

27.1%

26.2%

26.1%

22.5%

22.0%

29.1%

8.7%

15.5%

17.2%

7.4%

15.2%

15.7%

$15.41

$14.04

$11.23

$9.86

$10.04

$3.77

$8.00

$7.93

$2.98

$5.67

$5.07

Diluted EPS

$15.41

$15.38

$14.01

$11.21

$9.85

$10.02

$3.77

$8.00

$7.93

$2.98

$5.67

$5.07

Weighted Avg Basic

—

695M

712M

735M

751M

789M

—

Weighted Avg Diluted

—

696M

713M

736M

752M

790M

—

AMERICAN EXPRESS CO (AXP) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does AMERICAN EXPRESS CO Do?

American Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide. The company operates through three segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. Its products and services include payment and financing products; network services; accounts payable expense management products and services; and travel and lifestyle services. The company's products and services also comprise merchant acquisition and processing, servicing and settlement, point-of-sale marketing, and information products and services for merchants; and fraud prevention services, as well as the design and operation of customer loyalty programs. It sells its products and services to consumers, small businesses, mid-sized companies, and large corporations through mobile and online applications, third-party vendors and business partners, direct mail, telephone, in-house sales teams, and direct response advertising. American Express Company was founded in 1850 and is headquartered in New York, New York. AMERICAN EXPRESS CO (AXP) is classified as a mega-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Stephen J. Squeri and employs approximately 77,300 people, headquartered in New York, New York. With a market capitalization of $206.7B, AXP is one of the largest companies in the Financials sector.

AMERICAN EXPRESS CO (AXP) Stock Rating — Hold (April 2026)

As of April 2026, AMERICAN EXPRESS CO receives a Hold rating with a composite score of 54.0/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.AXP ranks #1,358 out of 4,446 stocks in our coverage universe. Within the Financials sector, AMERICAN EXPRESS CO ranks #410 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

AXP Stock Price and 52-Week Range

AMERICAN EXPRESS CO (AXP) currently trades at $313.88. The stock lost $3.89 (1.2%) in the most recent trading session. The 52-week high for AXP is $387.49, which means the stock is currently trading -19.0% from its annual peak. The 52-week low is $220.43, putting the stock 42.4% above its annual trough. Recent trading volume was 2.0M shares, reflecting moderate market activity.

Is AXP Overvalued or Undervalued? — Valuation Analysis

AMERICAN EXPRESS CO (AXP) carries a value factor score of 61/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 19.94x, compared to the Financials sector average of 14.88x — a premium of 34%. The price-to-book ratio stands at 6.48x, versus the sector average of 1.22x. The price-to-sales ratio is 5.41x, compared to 0.90x for the average Financials stock. On an enterprise value basis, AXP trades at 19.65x EV/EBITDA, versus 3.26x for the sector.

Overall, AXP's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

AMERICAN EXPRESS CO Profitability — ROE, Margins, and Quality Score

AMERICAN EXPRESS CO (AXP) earns a quality factor score of 72/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 32.5%, compared to the Financials sector average of 8.5%, which demonstrates strong shareholder value creation. Return on assets (ROA) comes in at 3.6% versus the sector average of 1.2%.

On a margin basis, AMERICAN EXPRESS CO reports gross margins of 0.0%. The operating margin is 34.7% (sector: 21.8%). Net profit margin stands at 27.1%, versus 17.7% for the average Financials stock. Revenue growth is running at 6.1% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

AXP Debt, Balance Sheet, and Financial Health

AMERICAN EXPRESS CO has a debt-to-equity ratio of 168.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.13x, suggesting adequate working capital coverage. Total debt on the balance sheet is $56.39B. Cash and equivalents stand at $3.23B.

AXP has a beta of 1.27, meaning it is more volatile than the broader market — a $10,000 investment in AXP would be expected to move 26.6% more than the S&P 500 on any given day. The stability factor score for AMERICAN EXPRESS CO is 72/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

AMERICAN EXPRESS CO Revenue and Earnings History — Quarterly Trend

In TTM 2026, AMERICAN EXPRESS CO reported revenue of $40.08B and earnings per share (EPS) of $15.41. Net income for the quarter was $10.88B. Gross margin was 0.0%. Operating income came in at $13.91B.

In FY 2025, AMERICAN EXPRESS CO reported revenue of $41.30B and earnings per share (EPS) of $15.41. Net income for the quarter was $10.83B. Revenue grew 6.4% year-over-year compared to FY 2024. Operating income came in at $13.79B.

In Q3 2025, AMERICAN EXPRESS CO reported revenue of $10.41B and earnings per share (EPS) of $4.14. Net income for the quarter was $2.90B. Revenue grew 7.2% year-over-year compared to Q3 2024. Operating income came in at $3.83B.

In Q2 2025, AMERICAN EXPRESS CO reported revenue of $10.32B and earnings per share (EPS) of $4.08. Net income for the quarter was $2.88B. Revenue grew 5.1% year-over-year compared to Q2 2024. Operating income came in at $3.55B.

Over the past 8 quarters, AMERICAN EXPRESS CO has demonstrated a growth trajectory, with revenue expanding from $9.82B to $40.08B. Investors analyzing AXP stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

AXP Dividend Yield and Income Analysis

AMERICAN EXPRESS CO (AXP) does not currently pay a dividend. This is common among growth-oriented companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

AXP Momentum and Technical Analysis Profile

AMERICAN EXPRESS CO (AXP) has a momentum factor score of 42/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 31/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 26/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

AXP vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, AMERICAN EXPRESS CO (AXP) ranks #410 out of 891 stocks based on the Blank Capital composite score. This places AXP in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing AXP against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full AXP vs S&P 500 (SPY) comparison to assess how AMERICAN EXPRESS CO stacks up against the broader market across all factor dimensions.

AXP Next Earnings Date

No upcoming earnings date has been announced for AMERICAN EXPRESS CO (AXP) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy AXP? — Investment Thesis Summary

AMERICAN EXPRESS CO presents a balanced picture with arguments on both sides. The quality score of 72/100 indicates above-average profitability and business fundamentals. The value score of 61/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 72/100) reduces downside risk.

In summary, AMERICAN EXPRESS CO (AXP) earns a Hold rating with a composite score of 54.0/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on AXP stock.

Related Resources for AXP Investors

Explore more research and tools: AXP vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare AXP head-to-head with peers: AXP vs WTM, AXP vs OPY, AXP vs ACT.

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AMERICAN EXPRESS CO (AXP) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does AMERICAN EXPRESS CO Do?

AMERICAN EXPRESS CO (AXP) Stock Rating — Hold (April 2026)

AXP Stock Price and 52-Week Range

Is AXP Overvalued or Undervalued? — Valuation Analysis

AMERICAN EXPRESS CO Profitability — ROE, Margins, and Quality Score

AXP Debt, Balance Sheet, and Financial Health

AMERICAN EXPRESS CO Revenue and Earnings History — Quarterly Trend

AXP Dividend Yield and Income Analysis

AXP Momentum and Technical Analysis Profile

AXP vs Competitors — Financials Sector Ranking and Peer Comparison

AXP Next Earnings Date

Should You Buy AXP? — Investment Thesis Summary

Related Resources for AXP Investors

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