Growth Dynamics | Loan growth decelerated from 9.7% to 8.6% as the company balances premium acquisition focus with operational efficiency and profitability goals |
Analyst Outlook | Price targets range from $355 to $367, with EPS projections of $17.60 for FY1 and $20.30 for FY2, reflecting mid-teens growth expectations |
Credit Excellence | Net charge-off rates reached 2.13%, outperforming expectations of 2.24%, with delinquencies stable year-over-year through strong risk management |
Premium Strategy | American Express pivots toward Platinum cardholders, investing heavily in enhanced benefits while maintaining disciplined underwriting standards |

Metrics to compare | AXP | Sector Sector - Average of metrics from a broad group of related Financials sector companies | Relationship RelationshipAXPPeersSector | |
|---|---|---|---|---|
P/E Ratio | 19.2x | 0.0x | 9.8x | |
PEG Ratio | 1.62 | 0.00 | 0.03 | |
Price / Book | 6.3x | 0.0x | 1.0x | |
Price / LTM Sales | 3.1x | 0.0x | 2.8x | |
Upside (Analyst Target) | 13.1% | 0.0% | 16.9% | |
Fair Value Upside | Unlock | 0.0% | 2.0% | Unlock |
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.