American Express (AXP)
Financials · Payment networks and card issuing · NYSE
An integrated global payments platform connecting card issuers, merchants, and consumers through proprietary technology and a premium membership model.
What American Express does
American Express is a global payments company that operates an integrated platform connecting card issuers, merchants, and consumers. The company issues credit and charge cards to consumers, small businesses, and corporations; operates a card network; and provides merchant acquisition, processing, and settlement services. It also offers banking products including deposits and non-card lending, along with complementary lifestyle, travel, and expense management services.
Themes: ["payments","card networks","premium consumer banking","merchant services","data analytics","fintech infrastructure","customer loyalty programs","fraud detection"]
Fundamentals
- Price$346.72 as of 2026-07-09 close
- Market cap$235.7B as of 2026-07-10
- 1-year return+9.3% as of 2026-07-09 close
- P/E21.01 as of 2026-07-10
- Net margin+14.1% as of 2026-07-10
- Gross margin+61.0% as of 2026-07-10
- ROE+34.0% as of 2026-07-10
- Debt / equity6.42 as of 2026-07-10
- Revenue growth (YoY)+9.4% as of 2026-07-10
- Revenue CAGR (3y)+6.5% SEC XBRL
- Beta1.06 as of 2026-07-10
Dividend: yield +1.1%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Competitive pressure from alternative payment methods, emerging fintech platforms, and established networks (Visa, Mastercard)","Credit risk exposure from card balances (Q1 2026: $224.2B) and non-card lending amid economic uncertainty","Regulatory supervision as a bank holding company subject to Federal Reserve capital and compliance requirements, with evolving international regulations"]
Competitors & peers
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.