AXP- American Express Company
Financial Services · Credit Services
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
BuyWall Street consensus from 25 analysts
12-Month Price Target
$375.96
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $324.69
Graham Number
√(22.5 × EPS × Book Value)
$137.27
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$39.63
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
9/10
90% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
34.4%Return on equity - measures how efficiently capital is used
Positive profit margin
16.1%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+12.8%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+11.0%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
172.38×Low financial leverage reduces risk of distress
Current ratio above 1
1.55×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$927M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
1.17%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Oct 23, 2026
41
days
EPS (TTM)
$16.49
P/E (TTM)
19.7
Fwd P/E
16.1
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
1.17%
5Y Avg Annual
$2.5780
Last Payment
$0.9500
Ex-Date
07/02/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest07/02/2026 | 08/10/2026 | $0.9500 | 1.17% |
04/02/2026 | 05/11/2026 | $0.9500 | 1.17% |
01/02/2026 | 02/10/2026 | $0.8200 | 1.01% |
10/10/2025 | 11/18/2025 | $0.8200 | 1.01% |
07/03/2025 | 08/11/2025 | $0.8200 | 1.01% |
04/04/2025 | 05/13/2025 | $0.8200 | 1.01% |
01/03/2025 | 02/11/2025 | $0.7000 | 0.86% |
10/04/2024 | 11/12/2024 | $0.7000 | 0.86% |
Magic Number
Shares needed to self-fund your next purchase
$324.69
Price
$0.9500
Last div. (quarterly)
342
shares
Own 342 AXP shares ($111,043.98) and each quarterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$111,043.98
New shares / year
+4 shares
Dividend Calculator
1.17% yieldEstimate AXP dividend income at the current rate.
Per year
$117.03
Per month
$9.75
≈ 30.8 shares at $3.8/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
AXP vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About American Express Company
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.
Sector
Financial Services
Industry
Credit Services
Location
New York, United States
Employees
76,800
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American Express Company (AXP) stock trades at $324.69, up 1.24% on the day. With a market capitalization of $219.27 billion, AXP is a mega-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 19.7, a forward P/E of 16.1 and earnings per share (EPS) of $16.49. Over the most recent period the company reported 13% year-over-year revenue growth and a net profit margin of 16.1%. Below you'll find AXP's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
AXP - Frequently Asked Questions
Is American Express Company (AXP) a good stock to buy in 2026?
American Express Company (AXP) shows strengths such as revenue growth of 13%, a strong 16% net margin and a 34% return on equity, while risks include high leverage (debt/equity of 172.4). Whether AXP is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is AXP's stock price today?
American Express Company (AXP) trades at $324.69, up 1.24% on the session. Prices on this page update throughout the trading day.
Does AXP pay a dividend?
Yes. American Express Company pays an annual dividend of $3.80 per share, a dividend yield of 1.17%. The most recent ex-dividend date was July 2, 2026. Its payout ratio is about 21% of earnings.
Is AXP overvalued?
With a P/E ratio of 19.7×, AXP trades at a roughly market-average valuation for the financial services sector. Its PEG ratio is 1.30. See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is AXP's market cap?
American Express Company (AXP) has a market capitalization of $219.27 billion, classifying it as a mega-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.