Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI Summary - About
American Express Company(AXP)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for AXP
10/26/2026: AXP (2-star) is currently NOT-A-BUY. Pass it for now.
American Express is a globally recognized financial services company that operates a unique, closed-loop network providing credit and payment products. The firm’s strength lies in its premium brand, which attracts a loyal, high-spending customer base and generates steady fee-based revenue. Its primary growth story revolves around expanding digital payment services and B2B expense management tools to capture a larger share of commercial spending. Investors should monitor risks related to increased competition from fintech platforms, potential regulatory fee caps, and macroeconomic sensitivity to travel and discretionary spending. The stock may suit investors seeking a stable, well-capitalized company with a proven premium business model, though its dividend yield is modest compared to traditional income equities.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers steady growth, though it lacks the explosive pace often sought by aggressive growth investors. |
| Momentum investor | Strong fit while signal remains positive | Momentum investors may favor the stock when it shows sustained relative strength in consumer spending trends. |
| Value investor | Strong fit | The stock often trades at a reasonable multiple relative to its brand strength and long-term earnings potential. |
| Dividend investor | Mixed fit | While dividends are safe and growing, the yield is typically lower than higher-yielding income stocks. |
| Low-risk investor | Strong fit | The company's well-established market position and strong balance sheet provide stability for conservative portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can be sensitive to macroeconomic cycles that affect consumer and business discretionary spending. |
| Valuation risk | Medium | Changes in market sentiment regarding interest rates and credit risk can lead to fluctuations in P/E multiples. |
| Competition risk (fintech and payments competition) | Medium / high | New entrants in digital payments continue to challenge traditional fee structures and service models. |
| Business quality | Strong | The company benefits from a powerful brand, loyal customer base, and high barriers to entry in the premium segment. |
| Dividend income | Low | The dividend yield is modest, making it less suitable for investors prioritizing immediate high income. |
| Execution risk | Medium | Successfully managing credit risk while expanding the card member base requires disciplined underwriting. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 49.16% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/26/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 211.52B USD | Price to earnings Ratio 19.01 | 1Y Target Price 368.72 |
Price to earnings Ratio 19.01 | 1Y Target Price 368.72 | ||
Volume (30-day avg) 3.5M shares | Beta 1.08 | 52 Weeks Range 288.37 - 383.18 | Updated Date 10/25/2026 |
52 Weeks Range 288.37 - 383.18 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 1.13% | Basic EPS (TTM) 16.48 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Discount Revenue | Fees collected from merchants for processing transactions on the American Express network. | This is the core commission fee the company earns whenever a cardholder swipes their card. |
| Net Card Fees | Annual fees paid by consumers and businesses for premium card membership benefits. | Recurring revenue from loyal customers who pay for exclusive travel and lifestyle perks. |
| Net Interest Income | Interest earned on revolving credit balances from card members. | Traditional banking revenue derived from credit card debt. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-23 | When Before Market | Estimate 4.47 | Actual 4.68 |
Profitability
Profit Margin 16.83% | Operating Margin (TTM) 22.94% |
Management Effectiveness
Return on Assets (TTM) 4.03% | Return on Equity (TTM) 35.93% |
Valuation
Trailing PE 19.01 | Forward PE 15.5 | Enterprise Value 227.55B | Price to Sales(TTM) 2.91 |
Enterprise Value 227.55B | Price to Sales(TTM) 2.91 | ||
Enterprise Value to Revenue 3.54 | Enterprise Value to EBITDA - | Shares Outstanding 675.31M | Shares Floating 520.44M |
Shares Outstanding 675.31M | Shares Floating 520.44M | ||
Percent Insiders 22.56 | Percent Institutions 64.57 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.