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Equity to Asset ratio is calculated as total stockholders equity divided by total asset. American Express Co's Total Stockholders Equity for the quarter that ended in Mar. 2026 was CHF26,764 Mil. American Express Co's Total Assets for the quarter that ended in Mar. 2026 was CHF243,192 Mil.
Therefore, American Express Co's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.11.
The historical rank and industry rank for American Express Co's Equity-to-Asset or its related term are showing as below:
XSWX:AXP'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.11 Max: 0.14
Current: 0.11
During the past 13 years, the highest Equity to Asset Ratio of American Express Co was 0.14. The lowest was 0.10. And the median was 0.11.
XSWX:AXP's Equity-to-Asset is ranked worse than 88.62% of 545
companies
in the Credit Services industry
Industry Median: 0.41
vs XSWX:AXP: 0.11
American Express Co (XSWX:AXP) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
American Express Co Equity-to-Asset Related Terms
American Express Co Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for American Express Co's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
XSWX:AXP vs COF, PYPL, AFRM: Equity-to-Asset Comparison
For the Credit Services subindustry, American Express Co's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
American Express Co Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, American Express Co's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where American Express Co's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
American Express Co's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
American Express Co (XSWX:AXP) has a Equity-to-Asset of 0.11 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on American Express Co and its competitors. This is near median its historical median of 0.11. Over the past decade, American Express Co's Equity-to-Asset has ranged from 0.10 to 0.14. According to the industry distribution chart, American Express Co ranks #483 out of 545 companies in the Credit Services industry, placing it in the top 88.6%.
Is American Express Co's Equity-to-Asset too high?
American Express Co's current Equity-to-Asset of 0.11 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.14. The Credit Services industry median Equity-to-Asset is 0.41. American Express Co's value of 0.11 is 73.2% below this industry median. Based on the distribution chart, American Express Co ranks #483 out of 545 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, American Express Co has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does American Express Co's Equity-to-Asset compare to COF and PYPL?
According to the Credit Services industry distribution chart, American Express Co ranks #483 out of 545 companies for Equity-to-Asset. This places American Express Co in the lower half of its industry. The industry median Equity-to-Asset is 0.41. American Express Co's value of 0.11 is 73.2% below this benchmark. Historically, American Express Co's own Equity-to-Asset has ranged from 0.10 to 0.14 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.41, American Express Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.41, based on 545 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Express Co's current Equity-to-Asset of 0.11 is 73.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on American Express Co and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Express Co's current Equity-to-Asset is 0.11, which is near median its own 10-year median of 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is American Express Co stock overvalued right now?
American Express Co (XSWX:AXP) has a current Equity-to-Asset of 0.11. The stock's GF Value™ is CHF261.84, compared to a current price of CHF290.55 — trading 11% above its estimated fair value. The current Equity-to-Asset is 0.11, which is near median its 10-year median of 0.11 and 73.2% below the Credit Services industry median of 0.41. American Express Co's overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For American Express Co (XSWX:AXP), the current Equity-to-Asset is 0.11 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is American Express Co (XSWX:AXP) Overvalued in 2026?
Based on GuruFocus' analysis, American Express Co stock appears to be overvalued.
The current stock price of CHF290.55 is trading 11% above its estimated GF Value™ of CHF261.84.
Key valuation signals for XSWX:AXP:
Equity-to-Asset: 0.11 (near median its 10-year median of 0.11)
GF Value™: CHF261.84 vs. price of CHF290.55 (11% above fair value)
Industry Position: 73.2% below the Credit Services median (#483 of 545)
No single metric tells the full story. See the XSWX:AXP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
American Express is a global financial institution, operating in about 130 countries, that provides consumers and businesses charge and credit card payment products. The company also operates a highly profitable merchant payment network. It operates in four segments: US consumer services, US commercial services, international card services, and global merchant and network services. In addition to payment products, the company's commercial business offers expense management tools, consulting services, and business loans.
80GF Score
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