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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.41
AXP's Cash to Debt is ranked higher than
60% of the 343 Companies
in the Global Credit Services industry.

( Industry Median: 0.69 vs. AXP: 0.41 )
AXP' s 10-Year Cash to Debt Range
Min: 0.09   Max: 0.47
Current: 0.41

0.09
0.47
Equity to Asset 0.14
AXP's Equity to Asset is ranked higher than
52% of the 278 Companies
in the Global Credit Services industry.

( Industry Median: 0.32 vs. AXP: 0.14 )
AXP' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.14
Current: 0.14

0.07
0.14
Interest Coverage 5.27
AXP's Interest Coverage is ranked higher than
60% of the 232 Companies
in the Global Credit Services industry.

( Industry Median: 9.60 vs. AXP: 5.27 )
AXP' s 10-Year Interest Coverage Range
Min: 1.01   Max: 5.27
Current: 5.27

1.01
5.27
F-Score: 6
Z-Score: 0.91
WACC vs ROIC
7.61%
10.06%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 26.73
AXP's Operating margin (%) is ranked higher than
74% of the 363 Companies
in the Global Credit Services industry.

( Industry Median: 20.88 vs. AXP: 26.73 )
AXP' s 10-Year Operating margin (%) Range
Min: 7.57   Max: 26.22
Current: 26.73

7.57
26.22
Net-margin (%) 17.56
AXP's Net-margin (%) is ranked higher than
69% of the 364 Companies
in the Global Credit Services industry.

( Industry Median: 16.32 vs. AXP: 17.56 )
AXP' s 10-Year Net-margin (%) Range
Min: 6.22   Max: 17.16
Current: 17.56

6.22
17.16
ROE (%) 29.05
AXP's ROE (%) is ranked higher than
93% of the 353 Companies
in the Global Credit Services industry.

( Industry Median: 11.45 vs. AXP: 29.05 )
AXP' s 10-Year ROE (%) Range
Min: 11.05   Max: 37.25
Current: 29.05

11.05
37.25
ROA (%) 3.87
AXP's ROA (%) is ranked higher than
77% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 2.98 vs. AXP: 3.87 )
AXP' s 10-Year ROA (%) Range
Min: 0.86   Max: 3.77
Current: 3.87

0.86
3.77
ROC (Joel Greenblatt) (%) 232.57
AXP's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 361 Companies
in the Global Credit Services industry.

( Industry Median: 17.98 vs. AXP: 232.57 )
AXP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 5.58   Max: 230.15
Current: 232.57

5.58
230.15
Revenue Growth (3Y)(%) 8.80
AXP's Revenue Growth (3Y)(%) is ranked higher than
75% of the 288 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. AXP: 8.80 )
AXP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0.1   Max: 12.5
Current: 8.8

0.1
12.5
EBITDA Growth (3Y)(%) 12.70
AXP's EBITDA Growth (3Y)(%) is ranked higher than
80% of the 241 Companies
in the Global Credit Services industry.

( Industry Median: -1.40 vs. AXP: 12.70 )
AXP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -10.4   Max: 25
Current: 12.7

-10.4
25
EPS Growth (3Y)(%) 11.00
AXP's EPS Growth (3Y)(%) is ranked higher than
75% of the 238 Companies
in the Global Credit Services industry.

( Industry Median: 8.50 vs. AXP: 11.00 )
AXP' s 10-Year EPS Growth (3Y)(%) Range
Min: -19.2   Max: 36.2
Current: 11

-19.2
36.2
» AXP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

AXP Guru Trades in Q2 2014

Robert Olstein 55,000 sh (+48.65%)
Ken Fisher 11,381,952 sh (+3.83%)
Pioneer Investments 747,947 sh (+1.60%)
James Barrow 19,182,429 sh (+0.72%)
First Eagle Investment 7,744,938 sh (+0.51%)
Tom Russo 129,770 sh (+0.26%)
Jeff Auxier 8,268 sh (unchged)
Brian Rogers 3,388,300 sh (unchged)
PRIMECAP Management 739,000 sh (unchged)
Warren Buffett 151,610,700 sh (unchged)
Caxton Associates 100,000 sh (unchged)
Tom Gayner 349,000 sh (unchged)
John Hussman Sold Out
Jim Simons Sold Out
Tweedy Browne 289,746 sh (-0.27%)
Ruane Cunniff 1,398,272 sh (-0.42%)
Dodge & Cox 220,483 sh (-0.78%)
Mario Gabelli 3,246,676 sh (-1.01%)
Bill Frels 90,475 sh (-2.77%)
Chris Davis 25,616,662 sh (-8.30%)
Jeremy Grantham 183,600 sh (-20.71%)
Paul Tudor Jones 2,450 sh (-75.69%)
» More
Q3 2014

AXP Guru Trades in Q3 2014

John Rogers 5,492 sh (New)
Steven Cohen 51,700 sh (New)
Ray Dalio 224,123 sh (New)
Jim Simons 368,700 sh (New)
George Soros 235,000 sh (New)
Paul Tudor Jones 5,100 sh (+108.16%)
Jeremy Grantham 280,300 sh (+52.67%)
Robert Olstein 63,000 sh (+14.55%)
First Eagle Investment 7,895,427 sh (+1.94%)
Bill Frels 91,475 sh (+1.11%)
Mario Gabelli 3,271,440 sh (+0.76%)
Ken Fisher 11,387,462 sh (+0.05%)
Ruane Cunniff 1,399,011 sh (+0.05%)
Tom Gayner 349,000 sh (unchged)
Pioneer Investments 741,376 sh (unchged)
Warren Buffett 151,610,700 sh (unchged)
PRIMECAP Management 739,000 sh (unchged)
Brian Rogers 3,388,300 sh (unchged)
Tom Russo 128,535 sh (-0.95%)
Dodge & Cox 218,138 sh (-1.06%)
Jeff Auxier 8,068 sh (-2.42%)
Tweedy Browne 282,228 sh (-2.59%)
Chris Davis 24,533,544 sh (-4.23%)
James Barrow 17,699,628 sh (-7.73%)
» More
Q4 2014

AXP Guru Trades in Q4 2014

Paul Tudor Jones 17,577 sh (+244.65%)
John Rogers 7,082 sh (+28.95%)
Robert Olstein 69,000 sh (+9.52%)
Bill Frels 92,550 sh (+1.18%)
James Barrow 17,901,396 sh (+1.14%)
First Eagle Investment 7,918,243 sh (+0.29%)
Warren Buffett 151,610,700 sh (unchged)
Jeff Auxier 8,068 sh (unchged)
Brian Rogers 3,388,300 sh (unchged)
Tom Gayner 349,000 sh (unchged)
Steven Cohen Sold Out
Jim Simons Sold Out
George Soros Sold Out
Ruane Cunniff 1,397,969 sh (-0.07%)
Tom Russo 127,999 sh (-0.42%)
Ken Fisher 11,264,810 sh (-1.08%)
Mario Gabelli 3,189,567 sh (-2.50%)
Dodge & Cox 210,950 sh (-3.30%)
Tweedy Browne 272,094 sh (-3.59%)
Chris Davis 22,239,723 sh (-9.35%)
Pioneer Investments 638,252 sh (-13.91%)
Jeremy Grantham 231,700 sh (-17.34%)
PRIMECAP Management 601,700 sh (-18.58%)
Ray Dalio 28,517 sh (-87.28%)
» More
Q1 2015

AXP Guru Trades in Q1 2015

Jim Simons 1,186,600 sh (New)
Louis Moore Bacon 50,000 sh (New)
David Dreman 7,196 sh (New)
Joel Greenblatt 2,843 sh (New)
Lee Ainslie 3,200 sh (New)
Andreas Halvorsen 2,973,038 sh (New)
Jeremy Grantham 1,792,700 sh (+673.72%)
Paul Tudor Jones 59,031 sh (+235.84%)
John Rogers 20,390 sh (+187.91%)
Pioneer Investments 1,594,709 sh (+149.86%)
Ray Dalio 48,417 sh (+69.78%)
First Eagle Investment 11,736,352 sh (+48.22%)
Bill Frels 101,390 sh (+9.55%)
James Barrow 18,617,244 sh (+4.00%)
Tom Gayner 361,000 sh (+3.44%)
Ken Fisher 11,372,034 sh (+0.95%)
Brian Rogers 3,388,300 sh (unchged)
Jeff Auxier 8,068 sh (unchged)
Warren Buffett 151,610,700 sh (unchged)
Arnold Van Den Berg 3,775 sh (unchged)
Tom Russo 127,994 sh (unchged)
Robert Olstein Sold Out
Ruane Cunniff 1,397,551 sh (-0.03%)
Tweedy Browne 268,205 sh (-1.43%)
Mario Gabelli 3,138,729 sh (-1.59%)
PRIMECAP Management 576,700 sh (-4.15%)
Dodge & Cox 201,973 sh (-4.26%)
Chris Davis 20,841,207 sh (-6.29%)
» More
» Details

Insider Trades

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Guru Investment Theses on American Express Co

Mario Gabelli Comments on American Express Co - Mar 12, 2015

American Express Co. (1.7% of net assets as of December 31, 2014) (AXP – $93.04 – NYSE) is the largest closed-loop credit card company in the world. The company operates its eponymous premiere branded payment network and lends to its largely affluent customer base. American Express has 110 million cards in force and over $67 billion in loans, while its customers charged nearly $950 billion of spending on their cards in 2013. The company’s strong consumer brand has allowed American Express to enter the deposit gathering market as an alternate source of funding, while the company’s affluent customers have picked up spending. Longer term, American Express should capitalize on its higher spending customer base and continue to expand into other payment related businesses, such as corporate purchasing, while also growing in emerging markets. Similarly, the company is looking at the growing success of social media as an opportunity to expand its product base and payment options.

From Mario Gabelli (Trades, Portfolio)’s Asset Fund Q4 2014 Commentary

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Chris Davis Comments on American Express - Jun 24, 2014

Another example of a global market leader in the Portfolio is American Express (AXP), which combines a strong, upscale charge card brand with ownership of the underlying payment network to create a unique business model. The company attracts some of the most desirable cardholders whose affluence leads to average spending about three times as great as ordinary bank cards. American Express reinforces this higher charge card spending with a market-leading cardholder rewards program, creating a virtuous circle of higher spending and higher rewards. The company earns much of its revenue from the transaction or interchange fees it charges merchants that accept its card. Because its payment network is wholly owned, American Express avoids sharing this important revenue source, generating significantly better economics than the payment networks of its competitors whose interchange fees are shared with banks. We believe American Express is well positioned to benefit over the long term as card-based transactions continue to increase at the expense of cash-based transactions.



From Chris Davis' Davis New York Venture Fund First Quarter 2014 Update.



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Gabelli Asset Management Comments on American Express - May 13, 2014

American Express Co. (2.5% of net assets as of March 31, 2014) (AXP)(AXP - $90.03 - NYSE) is the largest closed loop credit card company in the world. The company operates its eponymous premiere branded payment network and lends to its largely affluent customer base. American Express has 107 million cards in force and over $67 billion in loans, while its customers charged nearly $950 billion of spending on their cards in 2013. The company's strong consumer brand has allowed American Express to enter the deposit gathering market as an alternate source of funding, while the company's affluent customers have picked up spending. Longer term, American Express should capitalize on its higher spending customer base and continue to expand into other payment related businesses like corporate purchasing, while also growing in emerging markets. Similarly, the company is looking at the growing success of social media as an opportunity to expand its product base and payment options.

From Mario Gabelli (Trades, Portfolio)'s Value 25 Fund first quarter 2014 shareholder commentary.

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Mario Gabelli Comments on American Express Co. - Jan 06, 2014

American Express Co. (1.5% of net assets as of September 30, 2013) (AXP - $75.52 - NYSE)(AXP) is the largest closed loop credit card company in the world. The company operates its eponymous premiere branded payment network and lends to its largely affluent customer base. American Express has 104 million cards in force and over $63 billion in loans, while its customers charged nearly $900 billion of spending on their cards in 2012. The company's strong consumer brand has allowed American Express to enter the deposit gathering market as an alternate source of funding, while the company's affluent customers have picked up spending. Longer term, American Express should capitalize on its higher spending customer base and continue to expand into other payment related businesses like corporate purchasing, while also growing in emerging markets. Similarly, the company is looking at the growing success of social media as an opportunity to expand its product base and payment options.

From Mario Gabelli (Trades, Portfolio)'s third quarter 2013 commentary.

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Chris Davis Comments on American Express - Oct 03, 2013

Our next largest investment is American Express (AXP). In terms of business, American Express has a unique business model that combines one of the strongest brands in financial services with ownership of the underlying payment network. The company’s strong brand, which stands for high-quality service, success and prestige, attracts affluent credit and charge cardholders who spent an average of $15,700 per primary card in 2012, or about four times the level of Visa and MasterCard credit cardholders. American Express reinforces this higher spending with best-in-class customer service and its leading cardholder rewards program, creating a virtuous circle of strong customer satisfaction, higher share of wallet per customer and lower customer turnover.

In reviewing the company’s competitive advantages, we should start with the obvious observation that using charge cards and credit cards is vastly superior to using cash and checks in terms of convenience, safety and record keeping and thus cards should continue to gain market share from cash and checks for years to come. As noted above, American Express is not the only option within the card industry. However, in comparison to Visa and MasterCard, the company has a number of key competitive advantages. Chief among these are the American Express brand and the higher spending patterns of its wealthy consumer, corporate and small business cardholders. Because American Express customers spend more, merchants are willing to pay the company a higher fee. Furthermore, because American Express is primarily a charge card, rather than a credit card, it is far less reliant on consumer lending for revenue and profits than typical card issuers. For example, the company generates almost four times as much revenue through transaction or interchange fees from merchants ($18 billion) as it does from lending to cardholders ($4.6 billion of net interest income before $2 billion in charge-offs). Cardholder rewards are a key enticement for customers, and with $6.3 billion allocated to rewards in 2012 American Express has the largest program in the industry.

In terms of growth, if the company maintains its appeal and usefulness for consumers over time, per-card spending and transaction fees should increase with disposable income as should market share gains from cash and checks. Because the Internet does not accept cash, the high growth of Internet commerce provides an additional tailwind. The total amount spent by American Express cardholders, or “billed business,” has increased from $124 billion in 1993 to $888 billion in 2012, an increase of seven times in 19 years, or almost 12% per year. International billed business has almost doubled since 2006 and now accounts for $313 billion or 35% of the total, up from 30% then.

Finally, because its payment network is wholly owned, American Express largely avoids sharing its transaction fees with others. This closed loop allows the company to generate significantly greater revenue per transaction dollar than the networks of its competitors Visa and MasterCard, whose interchange fees are shared with issuing banks and other payment processors. Full control over the payment network should also lead to better customer insight over time, perhaps enhancing targeted customer offers and driving higher spending per card.

Turning to people, Ken Chenault (age 62) has been CEO for 12 years, having joined the company in 1981, and we give him high marks. Working closely with his predecessor Harvey Golub, Mr. Chenault helped refocus the company on the core charge/credit card business while spinning off the financial advisors business (Ameriprise) in 2005 and other unrelated businesses before that. Since becoming CEO he has repeatedly lowered the cost structure of the business, including cutting costs in the corporate and retail travel business in late 2012 with a goal of reinvesting at least half the savings in the card business. President Ed Gilligan (age 53), Mr. Chenault’s likely successor, also has had a long and distinguished career at the company, having joined in 1980 and previously run the travel, international and corporate services divisions. In addition to the fact this team has done a good job managing their business, they also deserve praise for avoiding both large acquisitions and, to use another excellent term coined by Peter Lynch, “diworsification.” Finally, we commend this team for maintaining generally sensible compensation practices and exercising unusual restraint in the granting of large amounts of dilutive equity compensation.

Turning now to price, American Express trades at approximately 14 times our 2013 estimate of owner earnings, what an owner of the entire business could distribute or choose to reinvest on a discretionary basis. Put differently, purchased at today’s price, the company generates about a 7% earnings yield. The dividend yield is 1.2%. The company’s return on equity has consistently been above 20%, and the company generates substantial discretionary free cash flow that can be returned to shareholders, often in the form of share repurchases and dividends. The number of shares outstanding has declined 24% since 1993, a decrease of about 1.5% per year. More recently, shares outstanding at year-end 2012 were down 4.2% from year-end 2011, and we expect the trend of higher share repurchases to continue in 2013. At the same time, the dividend has increased from $0.33 per share a year in 1993 to $0.80 per share a year, an increase of 2.4 times or 5% per year. The potential capital returns are enabled by a very strong capital position, with a Tier 1 capital ratio of 11.9%.

Finally, and most important, we should discuss our view of the major risks facing this wonderful business. Chief among these is the possibility of the company losing its consumer relevancy in terms of convenience, brand, service, or the value proposition (rewards). Although such a decline can happen slowly or quickly, we are reassured that management continues to plough money into marketing and cardholder rewards rather than “milk” the business for short-term earnings. A second critical risk lies in the possibility of a dramatic upheaval in the payments industry, likely enabled by Internet technology. In considering this possibility, we note that a number of small and larger companies have attempted to break into the electronic payments industry, but so far PayPal is the only clear success story. Others, such as Square, actually have expanded the reach of the industry by allowing smaller merchants to accept cards. In addressing this risk, the company has also made a number of small acquisitions of new technologies, which might be viewed as a type of R&D expense. A third major risk is that the economics of American Express’s existing business could be slowly eroded as other card issuers pursue the same transaction-based (rather than lending-based) customers. JPMorgan Chase has been a particularly determined competitor in the affluent customer segment, with aggressive marketing and rewards programs. For example in its most recent financial statements, JPMorgan indicates that its total payment volume and customer spending per card are almost as large as American Express’s U.S. retail card business. While this trend must be watched closely, we feel management is doing a good job meeting these competitive challenges. For example, since 1999 American Express has grown its share of U.S. credit card purchases from 20% to 26%, a meaningful increase in market share in 13 years. Next, we must always consider the actions of regulators. Retailers are not forced to accept credit or charge cards, but they often complain to regulators and legislators about the fees they pay. Although this is a more modest risk for American Express than Visa or MasterCard and also less likely today than a few years ago, it could become an issue again at some point. Finally, we must consider the possibility of American Express making a large, dilutive acquisition, a risk we also noted above in our discussion of Bank of New York Mellon. Fortunately, as with Bank of New York Mellon, we consider this risk a remote one under American Express’s current management.

From Chris Davis' Davis Funds fall 2013 manager commentary.

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Top Ranked Articles about American Express Co

Mario Gabelli Comments on American Express Co
American Express Co. (1.7% of net assets as of December 31, 2014) (AXP – $93.04 – NYSE) is the largest closed-loop credit card company in the world. The company operates its eponymous premiere branded payment network and lends to its largely affluent customer base. American Express has 110 million cards in force and over $67 billion in loans, while its customers charged nearly $950 billion of spending on their cards in 2013. The company’s strong consumer brand has allowed American Express to enter the deposit gathering market as an alternate source of funding, while the company’s affluent customers have picked up spending. Longer term, American Express should capitalize on its higher spending customer base and continue to expand into other payment related businesses, such as corporate purchasing, while also growing in emerging markets. Similarly, the company is looking at the growing success of social media as an opportunity to expand its product base and payment options. Read more...
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Chris Davis Comments on American Express
Another example of a global market leader in the Portfolio is American Express (AXP), which combines a strong, upscale charge card brand with ownership of the underlying payment network to create a unique business model. The company attracts some of the most desirable cardholders whose affluence leads to average spending about three times as great as ordinary bank cards. American Express reinforces this higher charge card spending with a market-leading cardholder rewards program, creating a virtuous circle of higher spending and higher rewards. The company earns much of its revenue from the transaction or interchange fees it charges merchants that accept its card. Because its payment network is wholly owned, American Express avoids sharing this important revenue source, generating significantly better economics than the payment networks of its competitors whose interchange fees are shared with banks. We believe American Express is well positioned to benefit over the long term as card-based transactions continue to increase at the expense of cash-based transactions. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 14.10
AXP's P/E(ttm) is ranked higher than
78% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 25.80 vs. AXP: 14.10 )
AXP' s 10-Year P/E(ttm) Range
Min: 5.2   Max: 35.97
Current: 14.1

5.2
35.97
Forward P/E 14.06
AXP's Forward P/E is ranked higher than
100% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. AXP: 14.06 )
N/A
PE(NRI) 13.90
AXP's PE(NRI) is ranked higher than
81% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 25.30 vs. AXP: 13.90 )
AXP' s 10-Year PE(NRI) Range
Min: 4.9   Max: 33.55
Current: 13.9

4.9
33.55
P/B 3.80
AXP's P/B is ranked higher than
50% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 2.04 vs. AXP: 3.80 )
AXP' s 10-Year P/B Range
Min: 0.95   Max: 7.24
Current: 3.8

0.95
7.24
P/S 2.50
AXP's P/S is ranked higher than
100% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 4.04 vs. AXP: 2.50 )
AXP' s 10-Year P/S Range
Min: 0.44   Max: 3.13
Current: 2.5

0.44
3.13
PFCF 9.90
AXP's PFCF is ranked higher than
86% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. AXP: 9.90 )
AXP' s 10-Year PFCF Range
Min: 1.96   Max: 47.21
Current: 9.9

1.96
47.21
POCF 8.48
AXP's POCF is ranked higher than
85% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. AXP: 8.48 )
AXP' s 10-Year POCF Range
Min: 1.72   Max: 31.53
Current: 8.48

1.72
31.53
EV-to-EBIT 12.63
AXP's EV-to-EBIT is ranked higher than
87% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 34.26 vs. AXP: 12.63 )
AXP' s 10-Year EV-to-EBIT Range
Min: -80.8   Max: 35.7
Current: 12.63

-80.8
35.7
PEG 0.71
AXP's PEG is ranked higher than
94% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. AXP: 0.71 )
AXP' s 10-Year PEG Range
Min: 0.92   Max: 6.04
Current: 0.71

0.92
6.04
Shiller P/E 19.10
AXP's Shiller P/E is ranked higher than
83% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. AXP: 19.10 )
AXP' s 10-Year Shiller P/E Range
Min: 3.54   Max: 26.38
Current: 19.1

3.54
26.38
Days Sales Outstanding 463.97
AXP's Days Sales Outstanding is ranked higher than
66% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 344.00 vs. AXP: 463.97 )
AXP' s 10-Year Days Sales Outstanding Range
Min: 447.35   Max: 577.77
Current: 463.97

447.35
577.77

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.30
AXP's Dividend Yield is ranked lower than
63% of the 232 Companies
in the Global Credit Services industry.

( Industry Median: 1.97 vs. AXP: 1.30 )
AXP' s 10-Year Dividend Yield Range
Min: 0.72   Max: 8.77
Current: 1.3

0.72
8.77
Dividend Payout 0.18
AXP's Dividend Payout is ranked higher than
97% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. AXP: 0.18 )
AXP' s 10-Year Dividend Payout Range
Min: 0.15   Max: 2
Current: 0.18

0.15
2
Dividend growth (3y) 19.90
AXP's Dividend growth (3y) is ranked higher than
84% of the 141 Companies
in the Global Credit Services industry.

( Industry Median: 17.60 vs. AXP: 19.90 )
AXP' s 10-Year Dividend growth (3y) Range
Min: -2.9   Max: 19.9
Current: 19.9

-2.9
19.9
Yield on cost (5-Year) 1.88
AXP's Yield on cost (5-Year) is ranked lower than
64% of the 235 Companies
in the Global Credit Services industry.

( Industry Median: 2.88 vs. AXP: 1.88 )
AXP' s 10-Year Yield on cost (5-Year) Range
Min: 1.04   Max: 12.65
Current: 1.88

1.04
12.65
Share Buyback Rate 3.90
AXP's Share Buyback Rate is ranked higher than
88% of the 205 Companies
in the Global Credit Services industry.

( Industry Median: -1.70 vs. AXP: 3.90 )
AXP' s 10-Year Share Buyback Rate Range
Min: 3.9   Max: -0.8
Current: 3.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.80
AXP's Price/Tangible Book is ranked higher than
50% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 2.60 vs. AXP: 3.80 )
AXP' s 10-Year Price/Tangible Book Range
Min: 1.27   Max: 6.96
Current: 3.8

1.27
6.96
Price/DCF (Projected) 0.90
AXP's Price/DCF (Projected) is ranked higher than
90% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. AXP: 0.90 )
AXP' s 10-Year Price/DCF (Projected) Range
Min: 0.19   Max: 1.24
Current: 0.9

0.19
1.24
Price/Median PS Value 1.10
AXP's Price/Median PS Value is ranked higher than
77% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. AXP: 1.10 )
AXP' s 10-Year Price/Median PS Value Range
Min: 0.26   Max: 1.46
Current: 1.1

0.26
1.46
Price/Peter Lynch Fair Value 5.90
AXP's Price/Peter Lynch Fair Value is ranked higher than
91% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. AXP: 5.90 )
AXP' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1   Max: 6.92
Current: 5.9

1
6.92
Price/Graham Number 1.50
AXP's Price/Graham Number is ranked higher than
71% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 4.70 vs. AXP: 1.50 )
AXP' s 10-Year Price/Graham Number Range
Min: 0.56   Max: 2.74
Current: 1.5

0.56
2.74
Earnings Yield (Greenblatt) 7.80
AXP's Earnings Yield (Greenblatt) is ranked higher than
82% of the 355 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. AXP: 7.80 )
AXP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.8   Max: 14
Current: 7.8

2.8
14
Forward Rate of Return (Yacktman) 18.89
AXP's Forward Rate of Return (Yacktman) is ranked higher than
88% of the 156 Companies
in the Global Credit Services industry.

( Industry Median: 8.79 vs. AXP: 18.89 )
AXP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.4   Max: 63.5
Current: 18.89

3.4
63.5

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, DFS, COF » details
Traded in other countries:AEC1.Germany, AXPB34.Brazil, AXP.Mexico, AXP.Argentina, AXP.Chile, AXP.Switzerland,
American Express Co began operations as a joint stock association on March 28, 1850. It converted to a New York corporation on June 10, 1965. The Company together with its subsidiaries is a service company that provides customers with access to products, insights and experiences that enrich lives and build business success. Its main products and services are charge and credit payment card products and travel-related services offered to consumers and businesses. The Company is mainly engaged in business comprising four operating segments: U.S. Card Services, International Card Services, Global Commercial Services, and Global Network & Merchant Services. The Company's products and services include charge and credit card products; expense management products and services; consumer and business travel services; stored value products such as Travelers Cheques and other prepaid products; network services; merchant acquisition and processing, servicing and settlement, and point-of-sale, marketing and information products and services for merchants; and fee services, including market and trend analyses and related consulting services, fraud prevention services, and the design of customized customer loyalty and rewards programs. The Company's products and services are sold to diverse customer groups, including consumers, small businesses, middle-market companies, and large corporations. These products and services are sold through various channels including direct mail, on-line, targeted sales forces, and direct response advertising. Its general-purpose card network, card-issuing and merchant-acquiring and processing businesses are global in scope. The Company is engaged in providing charge and credit cards to consumers, small businesses and corporations. These cards include cards issued by American Express as well as cards issued by third-party banks and other institutions that are accepted on the American Express network. The Global Network & Merchant Services ("GNMS") segment operates a global payments network that processes and settles proprietary and non-proprietary card transactions. GNMS acquires merchants and provides point-of-sale products, multi-channel marketing programs and capabilities, services and data, leveraging its global closed-loop network. It provides ATM services and enters into partnership agreements with third-party card issuers and acquirers, licensing the American Express brand and extending the reach of the global network. In its Global Commercial Services segment, the Company provides expense management services to companies and organizations worldwide through its Global Corporate Payments and Global Business Travel businesses. Global Corporate Payments offers a range of expense management solutions to companies worldwide through its Corporate Card Programs and Business-to-Business Payment Solutions. American Express Global Business Travel provides globally integrated solutions, both online and offline, as well
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