Financial Ratios American Express Company

Equities

AXP

US0258161092

Consumer Lending

Real-time Estimate Cboe BZX Other stock markets 15:34:16 2025-01-13 EST			5-day change	1st Jan Change
297.33 ^USD	+1.37%		-1.55%	+0.14%

07:02pm	RBC Capital Adjusts Price Target on American Express to $330 From $315	MT
02:46pm	UBS Raises Price Target on American Express $320 From $283, Keeps Neutral Rating	MT

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Published financial data: AMERICAN EXPRESS COMPANY

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019	2020	2021	2022	2023
Interest and Dividend Income, Total	12.08B	10.08B	9.03B	12.66B	19.98B
Interest Expense, Total	3.46B	2.1B	1.28B	2.76B	6.85B
Net Interest Income	8.62B	7.98B	7.75B	9.9B	13.13B
Commission and Fees	33.51B	27.23B	33.31B	41.33B	45.68B
Gain (Loss) on Sale of Investments, Total (Rev)	-	-	-	-	-
Other Revenues, Total	1.43B	874M	1.32B	1.64B	1.7B
Revenues Before Provison For Loan Losses	43.56B	36.09B	42.38B	52.86B	60.52B
Provision For Loan Losses	3.57B	4.73B	-1.42B	2.18B	4.92B
Total Revenues	39.98B	31.36B	43.8B	50.68B	55.59B
Salaries And Other Employee Benefits	5.79B	5.72B	6.24B	7.25B	7.89B
Cost of Services Provided, Total	19.93B	16.2B	22.05B	27.36B	30.2B
Other Operating Expenses	5.68B	5.03B	5.34B	6.03B	6.74B
Total Operating Expenses	31.39B	26.95B	33.63B	40.64B	44.83B
Operating Income	8.59B	4.41B	10.17B	10.04B	10.76B
Income (Loss) on Equity Invest.	-101M	-128M	-226M	-161M	-
Currency Exchange Gains (Loss)	64M	13M	-21M	8M	82M
EBT, Excl. Unusual Items	8.55B	4.3B	9.92B	9.89B	10.84B
Restructuring Charges	-125M	-	-	-	-179M
Gain (Loss) on Sale of Investments	-	-	767M	-302M	-152M
Gain (Loss) on Sale of Assets	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	8.43B	4.3B	10.69B	9.58B	10.51B
Income Tax Expense	1.67B	1.16B	2.63B	2.07B	2.14B
Earnings From Continuing Operations	6.76B	3.14B	8.06B	7.51B	8.37B
Net Income to Company	6.76B	3.14B	8.06B	7.51B	8.37B
Net Income - (IS)	6.76B	3.14B	8.06B	7.51B	8.37B
Preferred Dividend and Other Adjustments	128M	99M	143M	114M	122M
Net Income to Common Incl Extra Items	6.63B	3.04B	7.92B	7.4B	8.25B
Net Income to Common Excl. Extra Items	6.63B	3.04B	7.92B	7.4B	8.25B
Per Share Items
Net EPS - Basic	8.01	3.77	10.03	9.85	11.23
Basic EPS - Continuing Operations	8.01	3.77	10.03	9.85	11.23
Basic Weighted Average Shares Outstanding	828M	805M	789M	751M	735M
Net EPS - Diluted	7.99	3.77	10.02	9.85	11.21
Diluted EPS - Continuing Operations	7.99	3.77	10.02	9.85	11.21
Diluted Weighted Average Shares Outstanding	830M	806M	790M	752M	736M
Normalized Basic EPS	6.46	3.34	7.86	8.23	9.22
Normalized Diluted EPS	6.44	3.33	7.85	8.22	9.21
Dividend Per Share	1.64	1.72	1.72	2.08	2.4
Payout Ratio	21.04	47.02	17.97	20.83	21.26
American Depositary Receipts Ratio (ADR)	0.1	0.1	0.1	0.1	0.1
Supplemental Items
Effective Tax Rate - (Ratio)	19.81	27.03	24.6	21.61	20.35
Current Domestic Taxes	1.38B	1.46B	2.01B	2.78B	2.81B
Current Foreign Taxes	437M	639M	328M	476M	662M
Total Current Taxes	1.82B	2.1B	2.34B	3.26B	3.47B
Deferred Domestic Taxes	-89M	-1.05B	253M	-880M	-1.09B
Deferred Foreign Taxes	-62M	111M	41M	-309M	-238M
Total Deferred Taxes	-151M	-939M	294M	-1.19B	-1.33B
Normalized Net Income	5.35B	2.68B	6.2B	6.18B	6.78B
Non-Cash Pension Expense	-8M	-8M	-26M	-24M	-12M
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	280M	247M	326M	373M	450M
Stock-Based Comp., Other (Total)	3M	2M	4M	2M	-
Total Stock-Based Compensation	283M	249M	330M	375M	450M

Fiscal Period: December	2019	2020	2021	2022	2023
Assets
Cash And Equivalents	23.84B	32.27B	21.04B	33.05B	46.08B
Long-Term Investments - (FS Template)	9.65B	22.87B	4.18B	6.1B	3.56B
Trading Asset Securities, Total	68M	31M	293M	253M	23M
Loans and Lease Receivables - (FS Template)	89.62B	70.64B	88.12B	110B	128B
Other Receivables	56.79B	43.43B	53.58B	57.38B	60.24B
Gross Property Plant And Equipment	11.4B	12.56B	13.59B	15.06B	15.05B
Accumulated Depreciation	-6.56B	-7.54B	-8.6B	-9.85B	-9.91B
Net Property Plant And Equipment	4.83B	5.02B	4.99B	5.22B	5.14B
Goodwill	3.32B	3.85B	3.8B	3.79B	3.85B
Other Intangibles, Total	267M	265M	201M	146M	98M
Loans Held For Sale	-	-	-	-	-
Restricted Cash	514M	606M	525M	544M	514M
Other Current Assets, Total	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	1.46B	2.7B	2.38B	3.5B	4.78B
Other Long-Term Assets, Total	7.95B	9.68B	9.44B	8.79B	8.99B
Total Assets	198B	191B	189B	228B	261B
Liabilities
Interest Bearing Deposits	72.47B	85.6B	83.32B	109B	128B
Non-Interest Bearing Deposits	819M	1.27B	1.06B	1.1B	986M
Deposits	73.29B	86.88B	84.38B	110B	129B
Accounts Payable, Total	12.74B	9.44B	10.57B	12.13B	13.11B
Accrued Expenses, Total	3.58B	3B	6.85B	7.68B	8.07B
Short-Term Borrowings	6.78B	2.47B	2.28B	1.68B	12B
Current Portion of Long-Term Debt	-	-	-	-	10.36B
Current Portion of Leases	134M	141M	155M	157M	159M
Long-Term Debt	57.81B	42.94B	38.66B	42.57B	37.51B
Long-Term Leases	674M	980M	980M	819M	767M
Current Income Taxes Payable	1.12B	943M	1.58B	1.65B	1.28B
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	-	-	-	-	-
Pension & Other Post Retirement Benefits	640M	706M	-	-	-
Other Non Current Liabilities	18.48B	20.9B	20.9B	26.71B	20.66B
Total Liabilities	175B	168B	166B	204B	233B
Common Stock, Total	163M	161M	153M	149M	145M
Additional Paid In Capital	11.77B	11.88B	11.5B	11.49B	11.37B
Retained Earnings	13.87B	13.84B	13.47B	16.28B	19.61B
Comprehensive Income and Other	-2.74B	-2.9B	-2.94B	-3.21B	-3.07B
Total Common Equity	23.07B	22.98B	22.18B	24.71B	28.06B
Total Equity	23.07B	22.98B	22.18B	24.71B	28.06B
Total Liabilities And Equity	198B	191B	189B	228B	261B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	808M	806M	759M	744M	724M
ECS Total Common Shares Outstanding	810M	805M	761M	743M	723M
Book Value / Share	28.48	28.55	29.14	33.26	38.81
Tangible Book Value	19.49B	18.87B	18.17B	20.78B	24.11B
Tangible Book Value Per Share	24.06	23.44	23.88	27.97	33.34
Total Debt	65.4B	46.52B	42.08B	45.23B	60.8B
Net Debt	41.4B	14.13B	20.28B	11.6B	14.69B
Equity Method Investments, Total	1.15B	1.15B	1.12B	1.21B	1.37B
Full Time Employees	64K	63.7K	64K	77.3K	74.6K

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	6.76B	3.14B	8.06B	7.51B	8.37B
Depreciation, Depletion & Amortization	1.14B	1.49B	1.64B	1.58B	1.6B
Amortization of Goodwill and Intangible Assets - (CF)	49M	54M	57M	51M	49M
Total Depreciation, Depletion & Amortization	1.19B	1.54B	1.7B	1.63B	1.65B
Provision for Credit Losses	3.57B	4.73B	-1.42B	2.18B	4.92B
Stock-Based Compensation (CF)	283M	249M	330M	375M	450M
Net (Increase) Decrease in Loans Originated / Sold - Operating	-	-	-	0	5M
Change in Accounts Payable	1.77B	-2.02B	5.39B	8.82B	5.06B
Change in Other Net Operating Assets (Collected)	-368M	-1.78B	1.07B	1.39B	-1.24B
Other Operating Activities	426M	-256M	-478M	-824M	-665M
Cash from Operations	13.63B	5.59B	14.64B	21.08B	18.56B
Capital Expenditure	-1.69B	-1.48B	-1.64B	-1.86B	-1.56B
Sale of Property, Plant, and Equipment	43M	1M	88M	1M	2M
Cash Acquisitions	-352M	-597M	1M	-15M	-64M
Investment in Marketable and Equity Securities, Total	-3.82B	-13.33B	18.58B	-2.26B	2.32B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-11.05B	26.91B	-27.56B	-29.56B	-25.12B
Other Investing Activities, Total	152M	135M	-	-	-
Cash from Investing	-16.71B	11.63B	-10.53B	-33.69B	-24.43B
Short Term Debt Issued, Total	3.32B	-	461M	-	-
Long-Term Debt Issued, Total	12.71B	69M	7.79B	23.23B	15.67B
Total Debt Issued	16.02B	69M	8.25B	23.23B	15.67B
Short Term Debt Repaid, Total	-	-4.63B	-	-706M	-105M
Long-Term Debt Repaid, Total	-13.85B	-15.59B	-11.66B	-18.91B	-10.7B
Total Debt Repaid	-13.85B	-20.22B	-11.66B	-19.61B	-10.81B
Issuance of Common Stock	86M	44M	64M	56M	28M
Repurchase of Common Stock	-4.68B	-1.03B	-7.65B	-3.5B	-3.65B
Issuance of Preferred Stock	-	-	1.58B	-	-
Repurchase of Preferred Stock	-	-	-1.6B	-	-
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-1.42B	-1.47B	-1.45B	-1.56B	-1.78B
Common & Preferred Stock Dividends Paid	-1.42B	-1.47B	-1.45B	-1.56B	-1.78B
Other Financing Activities, Total	3.33B	13.54B	-2.47B	25.9B	18.92B
Cash from Financing	-519M	-9.07B	-14.93B	24.51B	18.38B
Foreign Exchange Rate Adjustments	232M	364M	-120M	-13M	177M
Net Change in Cash	-3.36B	8.52B	-10.94B	11.89B	12.68B
Supplemental Items
Cash Interest Paid	3.4B	2B	1.1B	2.2B	6.4B
Cash Income Tax Paid (Refund)	1.7B	2.2B	1.6B	3B	3.3B
Net Debt Issued / Repaid	2.17B	-20.15B	-3.41B	3.62B	4.87B

Fiscal Period: December	2019	2020	2021	2022	2023
Profitability
Return on Assets	3.49	1.61	4.24	3.6	3.42
Return On Equity %	29.8	13.61	35.69	32.05	31.74
Return on Common Equity	29.24	13.18	35.06	31.56	31.28
Margin Analysis
Gross Profit Margin %	68.33	70.43	70.32	56.78	55.04
SG&A Margin	32.64	40.32	34.92	25.08	23.57
Income From Continuing Operations Margin %	16.9	10	18.4	14.83	15.06
Net Income Margin %	16.9	10	18.4	14.83	15.06
Net Avail. For Common Margin %	16.58	9.68	18.08	14.6	14.84
Normalized Net Income Margin	13.37	8.56	14.16	12.19	12.19
Asset Turnover
Asset Turnover	0.21	0.16	0.23	0.24	0.23
Short Term Liquidity
Current Ratio	1.75	1.43	1.55	1.51	1.35
Quick Ratio	1.75	1.42	1.54	1.5	1.34
Operating Cash Flow to Current Liabilities	0.14	0.05	0.14	0.16	0.11
Long Term Solvency
Total Debt/Equity	283.48	202.41	189.75	183.02	216.69
Total Debt / Total Capital	73.92	66.93	65.49	64.67	68.42
LT Debt/Equity	253.5	191.07	178.75	175.59	136.43
Long-Term Debt / Total Capital	66.1	63.18	61.69	62.04	43.08
Total Liabilities / Total Assets	88.37	87.99	88.24	89.18	89.25
Tier 1 Capital Ratio %	11.6	14.7	11.5	11.1	11.3
Total Capital Ratio %	13.2	16.2	12.9	12.8	13.1
Leverage Ratio %	10.2	11	10.5	9.9	9.9
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	8.1	-21.57	39.68	15.71	9.69
Gross Profit, 1 Yr. Growth %	7.09	-19.16	39.45	6.43	6.34
Earnings From Cont. Operations, 1 Yr. Growth %	-2.34	-53.62	157.1	-6.77	11.45
Net Income, 1 Yr. Growth %	-2.34	-53.62	157.1	-6.77	11.45
Normalized Net Income, 1 Yr. Growth %	5.62	-49.03	139.43	-0.35	8.13
Diluted EPS Before Extra, 1 Yr. Growth %	1.01	-52.82	165.78	-1.7	13.81
Common Equity, 1 Yr. Growth %	3.5	-0.38	-3.51	11.43	13.54
Total Assets, 1 Yr. Growth %	5.15	-3.51	-1.47	21.11	14.34
Tangible Book Value, 1 Yr. Growth %	2.88	-3.19	-3.68	14.35	16.02
Cash From Operations, 1 Yr. Growth %	52.65	-58.99	161.94	43.93	-11.96
Capital Expenditures, 1 Yr. Growth %	28.76	-12.38	10.75	13.31	-15.68
Dividend Per Share, 1 Yr. Growth %	10.81	4.88	0	20.93	15.38
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	8.65	-7.92	4.66	27.13	12.66
Gross Profit, 2 Yr. CAGR %	7.16	-6.96	6.17	22.95	6.39
Earnings From Cont. Operations, 2 Yr. CAGR %	56.83	-32.7	9.2	54.82	1.93
Net Income, 2 Yr. CAGR %	56.83	-32.7	9.2	54.82	1.93
Normalized Net Income, 2 Yr. CAGR %	7.03	-27.27	8.99	54.46	4.6
Diluted EPS Before Extra, 2 Yr. CAGR %	63.47	-30.96	11.99	61.64	5.77
Common Equity, 2 Yr. CAGR %	12.4	1.54	-1.96	3.69	12.48
Total Assets, 2 Yr. CAGR %	4.62	0.73	-2.5	9.24	17.68
Tangible Book Value, 2 Yr. CAGR %	16.53	-0.2	-3.44	4.94	15.18
Cash From Operations, 2 Yr. CAGR %	0.34	-20.87	3.65	94.17	12.57
Capital Expenditures, 2 Yr. CAGR %	26.01	6.21	-1.49	12.02	-2.25
Dividend Per Share, 2 Yr. CAGR %	10.63	7.8	2.41	9.97	18.12
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	6.36	-2.54	5.8	8.22	21.03
Gross Profit, 3 Yr. CAGR %	3.97	-2.45	6.48	1.74	17.14
Earnings From Cont. Operations, 3 Yr. CAGR %	7.94	4.49	5.21	3.59	38.75
Net Income, 3 Yr. CAGR %	7.94	4.49	5.21	3.59	38.75
Normalized Net Income, 3 Yr. CAGR %	5.75	-16.83	6.9	5.79	37.8
Diluted EPS Before Extra, 3 Yr. CAGR %	12.51	8.03	8.2	7.23	43.8
Common Equity, 3 Yr. CAGR %	4.02	7.97	-0.17	2.32	6.87
Total Assets, 3 Yr. CAGR %	7.67	1.84	-0.01	4.81	10.91
Tangible Book Value, 3 Yr. CAGR %	5.27	9.54	-1.38	2.16	8.51
Cash From Operations, 3 Yr. CAGR %	18.03	-25.53	17.93	15.64	49.17
Capital Expenditures, 3 Yr. CAGR %	7.02	11.64	7.71	3.21	1.9
Dividend Per Share, 3 Yr. CAGR %	10.36	8.68	5.14	8.24	11.74
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	4.55	0.39	5.68	8.39	8.49