American Express Co Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $43.1B+11.0% YoYTTM through 30 Jun 2026
Net Income $11.4B+13.0% YoYTTM through 30 Jun 2026
Free Cash Flow $15.1BTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 34.3% |
| Net Margin | 26.6% |
Returns
33.4%ROE
3.7%ROA
24.9%ROIC
Balance Sheet Health
Debt / Equity1.66x
Net Debt$11.8B
Cash & Equivalents$45.2B
Quality Metrics
Piotroski F-Score7 / 9
FCF Margin34.9%
Earnings-Beat Rate75.0%
Multi-Year Trend
RevenueFY2025: $41.3B
Diluted EPS$16.48TTMFY2025: $15.38
Dividend
$2.72Per share, FY20260.89%Yield+9.6%5-yr growth
Capital Allocation
Capex Intensity7.9%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| U.S. Consumer Services | $9.5B | +11.0% | View detailsPlatinum portfolio is the fastest growing in the U.S. Consumer business. |
| Commercial Services | $4.5B | +7.0% | View detailsExpect a moderation in spend growth as the company exits small business cobrand held-for-sale portfolios. |
| International Card Services | $3.6B | +12.0% | View detailsRemains the fastest-growing segment with strong double-digit spend growth momentum. |
| Global Merchant and Network Services | $2.1B | +8.0% | View detailsContinues to expand merchant coverage and leverage premium cardholder spending. |
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