AXP Stock Financial Analysis - American Express Company (WBAG) Stock

Overview

American Express Company, headquartered in the United States, operates primarily in the financial services industry, focusing extensively on payment card products and travel-related services globally. Renowned for its credit card, charge card, and travelers' cheque businesses, the company leverages a wide network of card-issuing partnerships with banks and financial institutions worldwide. American Express often collaborates on exclusive co-branded cards that cater to specific consumer demographics and spending habits. Key projects have included significant investments in digital transformation initiatives designed to enhance customer experience, implement advanced security measures for transactions, and expand mobile and digital payment platforms to ensure competitiveness in the rapidly evolving digital payments landscape. These strategic endeavors aid in maintaining its reputation for high customer loyalty and premium service.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for American Express Company as of 30 June 2025 is 63,435.00 MM.
The operating income for American Express Company as of 30 June 2025 is 12,840.00 MM.
The net income for American Express Company as of 30 June 2025 is 10,146.00 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	63,435.00	12,840.00	10,146.00
2025-03-31	62,049.00	12,562.00	10,276.00
2024-12-31	60,764.00	12,337.00	10,129.00
2024-09-30	59,239.00	12,171.00	9,892.00
2024-06-30	58,107.00	12,063.00	9,836.00
2024-03-31	56,898.00	11,606.00	8,995.00
2023-12-31	55,592.00	10,734.00	8,374.00
2023-09-30	54,379.00	10,325.00	8,013.00
2023-06-30	53,009.00	9,717.00	7,441.00
2023-03-31	52,138.00	9,564.00	7,231.00
2022-12-31	50,680.00	10,022.00	7,514.00
2022-09-30	49,623.00	10,307.00	7,661.00
2022-06-30	47,964.00	10,143.00	7,608.00
2022-03-31	45,828.00	10,278.00	7,924.00
2021-12-31	43,799.00	9,946.00	8,060.00
2021-09-30	41,169.00	9,527.00	7,779.00
2021-06-30	38,136.00	8,543.00	7,026.00
2021-03-31	33,407.00	6,459.00	5,003.00
2020-12-31	31,357.00	4,262.00	3,135.00
2020-09-30	32,236.00	4,444.00	3,390.00
2020-06-30

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31	14.04	14.01
2024-09-30	13.60	13.58
2024-06-30	13.41	13.39
2024-03-31	12.16	12.14
2023-12-31	11.23	11.21
2023-09-30	10.66	10.66
2023-06-30	9.85	9.83
2023-03-31	9.53	9.52
2022-12-31	9.85	9.85
2022-09-30	9.96	9.95
2022-06-30	9.75	9.75
2022-03-31	10.01	10.00
2021-12-31	10.03	10.02
2021-09-30	9.59	9.57
2021-06-30	8.62	8.60
2021-03-31	6.10	6.10
2020-12-31	3.77	3.77
2020-09-30	4.07	4.06
2020-06-30	4.87	4.86

Cash Flow: Operations, Investing, Financing

The cash from operating activities for American Express Company as of 30 June 2025 is 13,094.00 MM.
The cash from investing activities for American Express Company as of 30 June 2025 is -22,113.00 MM.
The cash from financing activities for American Express Company as of 30 June 2025 is 13,901.00 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	13,094.00	-22,113.00	13,901.00
2025-03-31	13,262.00	-20,807.00	5,898.00
2024-12-31	14,050.00	-24,402.00	4,436.00
2024-09-30	15,041.00	-20,326.00	9,273.00
2024-06-30	25,097.00	-23,733.00	8,609.00
2024-03-31	24,488.00	-26,173.00	14,963.00
2023-12-31	18,559.00	-24,433.00	18,379.00
2023-09-30	20,222.00	-27,038.00	19,888.00
2023-06-30	16,486.00	-27,632.00	27,917.00
2023-03-31	16,822.00	-32,316.00	28,573.00
2022-12-31	21,079.00	-33,689.00	24,509.00
2022-09-30	17,655.00	-34,237.00	19,298.00
2022-06-30	17,319.00	-27,930.00	5,701.00
2022-03-31	16,245.00	-18,080.00	-10,861.00
2021-12-31	14,645.00	-10,529.00	-14,933.00
2021-09-30	13,137.00	-4,764.00	-15,984.00
2021-06-30	11,145.00	-8,505.00	-13,704.00
2021-03-31	10,090.00	-5,521.00	-3,189.00
2020-12-31	5,591.00	11,632.00	-9,068.00
2020-09-30	5,287.00	11,734.00	-6,959.00
2020-06-30

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30

Management Effectiveness

The roa for American Express Company as of 30 June 2025 is 0.04.
The roe for American Express Company as of 30 June 2025 is 0.34.
The roic for American Express Company as of 30 June 2025 is 0.11.
The croic for American Express Company as of 30 June 2025 is -0.02.
The ocroic for American Express Company as of 30 June 2025 is 0.14.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.04	0.34	0.11	-0.02	0.14
2025-03-31	0.04	0.35	0.11	-0.06	0.15
2024-12-31	0.04	0.36	0.12	0.05	0.18
2024-09-30	0.04	0.37	0.12	0.12	0.30
2024-06-30	0.04	0.35	0.10	0.15	0.27
2024-03-31	0.04	0.33	0.11	0.16	0.24
2023-12-31	0.04	0.33	0.11	0.17	0.27
2023-09-30	0.04	0.32	0.10	0.22	0.22
2023-06-30	0.04	0.32	0.10	0.24	0.23
2023-03-31	0.04	0.33	0.10	0.19	0.24
2022-12-31	0.04	0.31	0.11	0.05	0.26
2022-09-30	0.04	0.31	0.12	0.05	0.27
2022-06-30	0.04	0.30	0.12	-0.07	0.27
2022-03-31	0.04	0.32	0.12	-0.20	0.25
2021-12-31	0.04	0.35	0.13	-0.18	0.21
2021-09-30	0.04	0.36	0.12	-0.12	0.17
2021-06-30	0.04	0.33	0.11	-0.18	0.18
2021-03-31	0.03	0.24	0.07	0.02	0.15
2020-12-31	0.02	0.14	0.05	0.12	0.08
2020-09-30	0.02	0.15	0.05	0.15	0.08
2020-06-30	0.02	0.18	0.06	0.21	0.03

Gross Margins

The gross margin for American Express Company as of 30 June 2025 is 0.64.
The net margin for American Express Company as of 30 June 2025 is 0.17.
The operating margin for American Express Company as of 30 June 2025 is 0.20.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	0.64	0.17	0.20
2025-03-31	0.60	0.17	0.21
2024-12-31	0.59	0.17	0.21
2024-09-30	0.56	0.17	0.21
2024-06-30	0.57	0.16	0.21
2024-03-31	0.60	0.15	0.19
2023-12-31	0.59	0.15	0.19
2023-09-30	0.55	0.14	0.18
2023-06-30	0.56	0.14	0.18
2023-03-31	0.52	0.14	0.18
2022-12-31	0.71	0.15	0.19
2022-09-30	0.71	0.15	0.19
2022-06-30	0.70	0.16	0.20
2022-03-31	0.65	0.17	0.22
2021-12-31	0.71	0.18	0.24
2021-09-30	0.72	0.19	0.24
2021-06-30	0.72	0.18	0.23
2021-03-31	0.73	0.15	0.19
2020-12-31	0.70	0.10	0.14
2020-09-30	0.69	0.11	0.14
2020-06-30	0.68	0.12	0.16

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