American Express AXP
$320.99 −$3.98 (-1.22%)
Market closed · Nov 6, 9:50 pm ET · Last extended-hours $321.40 +0.13%
Open$320.05
Prev close$324.97
Day range$319.20 – $326.78
Volume2.93M
Market cap$215.24B
P/E (TTM)18.1
Dividend yield1.10%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$20.06B+8.9% YoY
Net profit$3.71B+27.9% YoY
Diluted EPS$5.42+30.9% YoY
Free cash flow$4.44B-20.5% YoY
Operating cash flow$5.38B
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin15.6%
Return on equity35.5%
Return on assets4.0%
Liabilities / assets88.5%
Cash & investments$43.13B
Total debt$59.95B
Net cash (debt)-$16.82B
Free cash flow / sales17.9%
Where the revenue comes from
Quarter 2026/Q3
By business line
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Operating Revenue | $20.06B | $19.64B | $18.91B | $72.23B | $18.98B |
| Net Interest Income | $4.94B | $4.65B | $4.69B | $17.36B | $4.52B |
| -Interest Income | $6.86B | $6.61B | $6.67B | $25.60B | $6.58B |
| -Interest Expense | $1.92B | $1.96B | $1.97B | $8.23B | $2.06B |
| Non-Interest Income | $15.12B | $14.99B | $14.22B | $54.87B | $14.46B |
| -Fees and Commissions | $15.12B | $14.99B | $14.22B | $54.87B | $14.46B |
| Credit Losses Provision | -$985.00M | -$1.08B | -$1.25B | -$5.26B | -$1.41B |
| Non-Interest Expense | $15.19B | $14.48B | $13.88B | $53.08B | $14.38B |
| Occupancy and Equipment | $858.00M | $817.00M | $767.00M | $2.99B | $810.00M |
| Professional Expense and Contract Services Expense | $675.00M | $622.00M | $545.00M | $2.42B | $669.00M |
| Selling and Admin Expenses | $4.34B | $3.99B | $3.96B | $15.27B | $4.12B |
| -Selling & Marketing Expense | $1.77B | $1.65B | $1.48B | $6.25B | $1.61B |
| -General & Admin Expense | $2.57B | $2.34B | $2.48B | $9.02B | $2.51B |
| Other Non-Interest Expenses | $9.32B | $9.05B | $8.60B | $32.40B | $8.78B |
| Other Income (Expense) | $646.00M | – | – | -$96.00M | -$96.00M |
| Special Income (Charges) | $646.00M | – | – | -$96.00M | -$96.00M |
| -Less:Restructuring and Mergern & Acquisition | $336.00M | – | – | $96.00M | – |
| -Gain on Sale of Business | $982.00M | – | – | $0.00 | $0.00 |
| Pretax Profit | $4.53B | $4.07B | $3.78B | $13.80B | $3.09B |
| Tax | $819.00M | $961.00M | $807.00M | $2.96B | $628.00M |
| Net Profit | $3.71B | $3.11B | $2.97B | $10.83B | $2.46B |
| Profit from Continuing Operations | $3.71B | $3.11B | $2.97B | $10.83B | $2.46B |
| Net Income to Parent Company | $3.71B | $3.11B | $2.97B | $10.83B | $2.46B |
| Preferred Stock Dividends | $24.00M | $20.00M | $14.00M | $58.00M | $15.00M |
| Other Preferred Stock Dividends | $39.00M | $14.00M | $19.00M | $74.00M | $18.00M |
| Net Income to Common Stockholders | $3.65B | $3.08B | $2.94B | $10.70B | $2.43B |
| Basic EPS | $5.43 | $4.54 | $4.29 | $15.41 | $3.53 |
| Diluted EPS | $5.42 | $4.53 | $4.28 | $15.38 | $3.53 |
| Dividend Per Share | $0.00 | $0.95 | $0.95 | $3.28 | $0.82 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $310.28B | $308.20B | $308.89B | $300.05B | $300.05B |
| Cash, Cash Equivalents & Federal Funds Sold | $43.20B | $45.24B | $53.76B | $47.79B | $47.79B |
| -Cash and Cash Equivalents | $43.13B | $45.17B | $53.65B | $47.71B | $47.71B |
| -Restricted Cash and Investments | $72.00M | $77.00M | $110.00M | $84.00M | $84.00M |
| Securities Investment | $5.12B | $4.07B | $2.63B | $1.04B | $1.04B |
| -Available for Sale Securities | $3.15B | $3.20B | $1.72B | $217.00M | $217.00M |
| -Short Term Investments | $1.97B | $874.00M | $902.00M | $826.00M | $826.00M |
| Net Loan | $227.18B | $225.06B | $220.26B | $220.84B | $220.84B |
| -Gross Loan | $233.15B | $231.23B | $226.64B | $227.25B | $227.25B |
| -Allowance for Loans and Lease Losses | $5.97B | $6.18B | $6.38B | $6.41B | $6.41B |
| Net PPE | $8.12B | $7.69B | $7.24B | $7.12B | $7.12B |
| -Gross PPE | $21.39B | $20.55B | $19.68B | $19.16B | $19.16B |
| -Accumulated Depreciation | -$13.27B | -$12.86B | -$12.44B | -$12.04B | -$12.04B |
| Other Assets | $26.65B | $26.14B | $25.01B | $18.30B | $18.30B |
| Total Liabilities | $274.48B | $273.92B | $274.90B | $266.58B | $266.58B |
| Total Deposits | $155.02B | $156.97B | $157.95B | $152.49B | $152.49B |
| Short-Term Debt and Capital Lease Obligation | $1.42B | $2.03B | $1.69B | $1.37B | $1.37B |
| -Current Debt | $1.42B | $2.03B | $1.69B | $1.37B | $1.37B |
| Payables | $15.18B | $15.44B | $14.64B | $16.10B | $16.10B |
| -Accounts Payable | $15.18B | $15.44B | $14.64B | $14.70B | $14.70B |
| Long Term Debt and Capital Lease Obligation | $58.54B | $57.02B | $58.75B | $56.39B | $56.39B |
| -Long Term Debt | $58.54B | $57.02B | $58.75B | $56.39B | $56.39B |
| Other Liabilities | $44.32B | $42.46B | $41.87B | $30.24B | $30.24B |
| Total Equity | $35.80B | $34.28B | $34.00B | $33.47B | $33.47B |
| Stockholders' Equity | $35.80B | $34.28B | $34.00B | $33.47B | $33.47B |
| Capital Stock | $134.00M | $135.00M | $137.00M | $138.00M | $138.00M |
| -Common Stock | $134.00M | $135.00M | $137.00M | $138.00M | $138.00M |
| -Preferred Stock | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Additional Paid-In Capital | $11.17B | $11.12B | $11.08B | $11.13B | $11.13B |
| Retained Earnings | $27.89B | $26.38B | $26.09B | $25.49B | $25.49B |
| Gains/Losses Not Affecting Retained Earnings | -$3.39B | -$3.36B | -$3.31B | -$3.28B | -$3.28B |
| Goodwill and Other Intangible Assets | – | – | – | $4.96B | $4.96B |
| -Goodwill | – | – | – | $4.87B | $4.87B |
| -Other Intangible Assets | – | – | – | $90.00M | $90.00M |
| -Total Tax Payable | – | – | – | $1.40B | $1.40B |
| Current Accrued Expenses | – | – | – | $2.25B | $2.25B |
| Employee Benefits | – | – | – | $3.09B | $3.09B |
| Non-Current Deferred Liabilities | – | – | – | $4.66B | $4.66B |
Cash flow
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Operating Cash Flow | $5.38B | $5.37B | $3.80B | $18.43B | $3.07B |
| Net cash flow from continuing operations | $5.38B | $5.37B | $3.80B | $18.43B | $3.07B |
| Net Income from Continuing Operations | $3.71B | $3.11B | $2.97B | $10.83B | $2.46B |
| Depreciation & Depletion & Amortization | $494.00M | $488.00M | $468.00M | $1.78B | $462.00M |
| Deferred Tax | -$148.00M | -$74.00M | $145.00M | -$542.00M | $100.00M |
| Other Non-Cash Items | -$1.75B | -$680.00M | -$324.00M | -$311.00M | -$385.00M |
| Change in Working Capital | $1.96B | $1.29B | -$910.00M | $864.00M | -$1.13B |
| -Change in Payables and Accrued Expense | $1.42B | $1.74B | $476.00M | $3.65B | $321.00M |
| -Change in Other Current Assets | $538.00M | -$450.00M | -$1.39B | -$2.78B | -$1.45B |
| Net cash flow from investing | -$5.04B | -$8.98B | -$2.87B | -$22.89B | -$9.95B |
| Net Cash Flow from Continuing Investing Activities | -$5.04B | -$8.98B | -$2.87B | -$22.89B | -$9.95B |
| Net PPE Purchase and Sale | -$947.00M | -$898.00M | -$1.15B | -$2.43B | -$722.00M |
| Net Business Purchase and Sale | $0.00 | -$26.00M | -$498.00M | -$633.00M | $0.00 |
| Net Investment Purchase and Sale | -$1.19B | -$1.56B | -$1.74B | -$260.00M | $136.00M |
| Net Income from Loans | -$2.90B | -$6.50B | $512.00M | -$19.57B | -$9.36B |
| Financing Cash Flow | -$2.42B | -$4.90B | $4.98B | $11.21B | -$154.00M |
| Net Cash Flow from Continuing Financing Activities | -$2.42B | -$4.90B | $4.98B | $11.21B | -$154.00M |
| Increase/Decrease in Deposit | -$1.96B | -$971.00M | $5.38B | $13.05B | $2.61B |
| Net Issuance Payments of Debt | $1.81B | -$962.00M | $2.09B | $6.19B | -$1.29B |
| Net Common Stock Issuance | -$1.58B | -$2.30B | -$1.90B | -$5.76B | -$890.00M |
| Cash Dividends Paid | -$668.00M | -$665.00M | -$583.00M | -$2.27B | -$583.00M |
| Ending Cash Balance | $43.20B | $45.24B | $53.76B | $47.79B | $47.79B |
| Net Change in Cash | -$2.07B | -$8.51B | $5.91B | $6.75B | -$7.03B |
| Beginning Cash Balance | $45.24B | $53.76B | $47.79B | $40.64B | $54.71B |
| Effect of Exchange Rate Changes | $30.00M | -$6.00M | $57.00M | $405.00M | $120.00M |
| Free Cash Flow | $4.44B | $4.47B | $2.66B | $16.00B | $2.35B |
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