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Upturn AI SWOT - About
AXP 
American Express Company (AXP)
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Upturn Advisory Summary
10/17/2025: AXP (4-star) is a SELL. SELL since 4 days. Simulated Profits (3.49%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
30 Analysts rated it
Highly popular stock, broad analyst coverage, trusted insights, strong investor interest.
1 Year Target Price $338.91
1 Year Target Price $338.91
| 7 | Strong Buy |
| 4 | Buy |
| 18 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 60.9% | Avg. Invested days 58 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 238.82B USD | Price to earnings Ratio 23.26 | 1Y Target Price 338.91 |
Price to earnings Ratio 23.26 | 1Y Target Price 338.91 | ||
Volume (30-day avg) 30 | Beta 1.29 | 52 Weeks Range 219.32 - 348.70 | Updated Date 10/19/2025 |
52 Weeks Range 219.32 - 348.70 | Updated Date 10/19/2025 | ||
Dividends yield (FY) 0.98% | Basic EPS (TTM) 14.9 |
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 2025-10-17 | When Before Market | Estimate 4 | Actual 4.14 |
Profitability
Profit Margin 16.14% | Operating Margin (TTM) 22.05% |
Management Effectiveness
Return on Assets (TTM) 3.71% | Return on Equity (TTM) 33.94% |
Valuation
Trailing PE 23.26 | Forward PE 18.83 | Enterprise Value 245276753920 | Price to Sales(TTM) 3.66 |
Enterprise Value 245276753920 | Price to Sales(TTM) 3.66 | ||
Enterprise Value to Revenue 4.22 | Enterprise Value to EBITDA - | Shares Outstanding 689000000 | Shares Floating 537214739 |
Shares Outstanding 689000000 | Shares Floating 537214739 | ||
Percent Insiders 21.92 | Percent Institutions 65.31 |
Upturn AI SWOT
American Express Company
Company Overview
History and Background
American Express was founded in 1850 as an express mail business in Buffalo, New York. It evolved into providing financial services, introducing the first traveler's cheques in 1891 and launching its charge card in 1958.
Core Business Areas
- Global Consumer Services Group: Provides a range of charge and credit card products and services to consumers globally. Revenue is derived from merchant discount revenue, card fees, and interest income.
- Global Commercial Services Group: Offers payment and expense management solutions to small businesses, mid-sized companies, and large corporations globally. Revenue is derived from merchant discount revenue, card fees, and interest income.
- Global Merchant and Network Services: Operates a global payments network that processes transactions between merchants and cardmembers. Generates revenue from merchant discount fees and other network services.
Leadership and Structure
Stephen J. Squeri is the Chairman and Chief Executive Officer. The company is structured with various executive vice presidents overseeing different business units and functions.
Top Products and Market Share
Key Offerings
- Consumer Charge Cards (e.g., Platinum Card, Gold Card): High-end charge cards offering travel rewards, purchase protection, and other premium benefits. American Express faces competition from Visa (V) and Mastercard (MA) in the premium card segment. These generate significant revenue from annual fees and higher spending.
- Consumer Credit Cards (e.g., Blue Cash Preferred Card): Credit cards offering cash back rewards and other benefits. Competitors include Chase, Citi, and Capital One. These generate revenue from annual fees, purchase protections, and interest.
- Small Business Cards (e.g., Business Platinum Card): Charge and credit cards designed for small business owners, offering expense management tools and rewards. Competitors include Chase and Capital One. Market share of ~40% amongst small business owners.
- Corporate Cards: Cards used by large companies for travel and entertainment expenses. American Express competes with Visa and Mastercard. Market share in corporate cards: ~30%.
Market Dynamics
Industry Overview
The payments industry is experiencing growth driven by the increasing adoption of digital payments and e-commerce. The industry is highly competitive, with established players and emerging fintech companies.
Positioning
American Express differentiates itself through its premium brand, focus on high-spending customers, and robust rewards program. It operates as both an issuer and a network, giving it more control over the customer experience.
Total Addressable Market (TAM)
The global payments market is projected to reach trillions of dollars. American Express is positioned to capture a portion of this market through its existing customer base and expansion into new areas.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Loyal customer base
- Premium positioning
- Integrated issuer and network model
- Robust rewards program
Weaknesses
- Higher merchant fees compared to Visa and Mastercard
- Reliance on affluent customers
- Vulnerability to economic downturns
- Slower adoption of new technologies compared to fintech companies
Opportunities
- Expansion into emerging markets
- Growth in digital payments
- Partnerships with fintech companies
- Development of new products and services
Threats
- Increased competition from fintech companies
- Regulatory changes
- Economic downturns
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- V
- MA
- COF
- DFS
Competitive Landscape
American Express differentiates itself through its premium brand and focus on high-spending customers. Visa and Mastercard have wider acceptance but Amex have higher spending.
Major Acquisitions
Nipendo
- Year: 2022
- Acquisition Price (USD millions): 0
- Strategic Rationale: Enhanced B2B services.
Growth Trajectory and Initiatives
Historical Growth: American Express has grown organically and through strategic initiatives. Financial data is available on their Investor Relations website.
Future Projections: Analyst estimates project continued growth for American Express in the coming years. These are available on financial analysis websites.
Recent Initiatives: Recent initiatives include expanding its digital payments offerings and partnerships.
Summary
American Express is a strong company with a loyal customer base and a premium brand. Its integrated issuer and network model provides a competitive advantage. However, it needs to address competition from fintech companies and vulnerability to economic downturns and also needs to provide a stronger adoption of new technologies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- American Express Investor Relations, SEC Filings, MarketWatch, Yahoo Finance, Company Presentations, Third-Party Research Reports.
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About American Express Company
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 1972-06-01 | Chairman & CEO Mr. Stephen Joseph Squeri | ||
Sector Financial Services | Industry Credit Services | Full time employees 75100 | Website https://www.americanexpress.com |
Full time employees 75100 | Website https://www.americanexpress.com | ||
American Express Company, together with its subsidiaries, operates as 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's products and services include credit card, charge card, banking, and other payment and financing products; network services; expense management products and services; and travel and lifestyle services. It also provides merchant acquisition and processing, servicing and settlement, point-of-sale marketing, and information products and services for merchants; and fraud prevention services, as well as the design and operation of customer loyalty programs. In addition, the company leases and operates lounges at airports. Further, it designs and develops a software to manage company expenses. The company sells 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, direct mail, telephone, in-house sales teams, telephone, and direct response advertising. American Express Company was founded in 1850 and is based in New York, New York.
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