Stocktoria
AMERICAN EXPRESS CO AXP
AMERICAN EXPRESS CO (AXP) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 0.98% (safety: safe). FY2025 revenue was $41.3B at a 26.2% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-12 | Piper Sandler | Overweight (main) |
| 2026-08-03 | UBS | Neutral (main) |
| 2026-07-27 | Morgan Stanley | Equal-Weight (main) |
| 2026-07-27 | Evercore ISI Group | In-Line (main) |
| 2026-07-27 | BTIG | Sell (main) |
| 2026-07-13 | HSBC | Hold (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| AXP | AMERICAN EXPRESS CO | 4/9 | — | 21.4 | +6.4% |
| LX | LexinFintech Holdings Ltd. | 4/9 | — | — | -10% |
| COIN | Coinbase Global, Inc. | 4/9 | 4.64 | 31.2 | +9.4% |
| YRD | Yiren Digital Ltd. | 4/9 | — | — | -1.5% |
| CRCL | Circle Internet Group, Inc. | 3/9 | 0.19 | — | +63.9% |
| QFIN | Qfin Holdings, Inc. | 2/9 | 6.32 | — | +16.8% |
| BKKT | Bakkt, Inc. | 2/9 | — | — | -32.1% |
All Finance, Insurance & Real Estate companies →
About AMERICAN EXPRESS CO
American Express Company, together with its subsidiaries, operates as an integrated payments company in the United States, Europe, the Middle East and Africa, the Asia Pacific, Australia, New Zealand, Latin America, Canada, the Caribbean, and internationally. It operates through four segments: U.S. Consumer Services, Commercial Services, International Card Services, and Global Merchant and Network Services. The company offers credit and charge cards and complementary products and services, including travel, dining, and lifestyle and expense management products and services; and banking and other payment and financing products and services, including deposits and non-card lending. It also provides merchant acquisition and processing, servicing and settlement, fraud prevention, and point-of-sale marketing and information products and services, as well as network services. The company offers its products and services to consumers, small businesses, mid-sized companies, and large corporations through mobile and online applications, affiliate marketing, customer referral programs, third-party service providers and business partners, in-house sales teams, direct mail, telephone, and direct response advertising. American Express Company was founded in 1850 and is headquartered in New York, New York.
FAQ
Is AXP financially healthy?
AMERICAN EXPRESS CO's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does AXP pay a dividend, and is it safe?
Yes. AMERICAN EXPRESS CO pays a dividend yielding about 0.98% with a 21.0% payout ratio, rated “safe” for safety.
How profitable is AXP?
In FY2025, AMERICAN EXPRESS CO had a net margin of 26.2% and a return on equity of 32.4%.
Is AXP overvalued or undervalued?
AMERICAN EXPRESS CO trades at about 22.4× trailing earnings — above its 10-year norm (10-year range 12.2×–30.8×, median 17.9×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for AXP?
The average Wall-Street price target for AMERICAN EXPRESS CO is $375.50, about 9.1% above the recent price, from 25 analysts (consensus: buy).
Is AXP a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on AMERICAN EXPRESS CO: a Piotroski F-score of 4/9, a P/E of about 21.4×, a dividend yield of 0.98%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.