AXP (American Express Co) Moat Score: 9/10 (As of Jun. 24, 2026)


AXP American Express Co AXP
78 GF Score
Price $342.56
GF Value $321.08
Valuation Fairly Valued
! 3 Warning Signs
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What is American Express Co Moat Score?

American Express Co AXP +1.42% 78 Moat Score is 9 as of Jun. 24, 2026. GuruFocus rates AXP with a GF Score™ of 78/100 and a GF Value™ of $321.08 (Fairly Valued). The stock has 3 warning signs investors should review. Among 567 Credit Services companies, American Express Co ranks better than 99.82% on this metric.

American Express Co has the Moat Score of 9, which implies that the company might have Wide Moat - Clear and robust wide moat.

American Express Co has Wide Moat: American Express Co has a robust wide moat due to strong brand strength, significant customer loyalty, and network effects. Its durable cost advantages, regulatory barriers, and superior distribution network further enhance its competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes American Express Co might have Wide Moat - Clear and robust wide moat.

American Express Co  (NYSE:AXP) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

American Express Co Moat Score Related Terms

AXP vs COF, PYPL, AFRM: Moat Score Comparison

For the Credit Services subindustry, American Express Co's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, American Express Co's Moat Score distribution charts can be found below:

* The bar in red indicates where American Express Co's Moat Score falls into.


AXP
78GF Score
American Express Co AXP
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 9 mean?
American Express Co (AXP) has a Moat Score of 9 as of Jun. 24, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, American Express Co ranks #1 out of 567 companies in the Credit Services industry, placing it in the top 0.2%.
Is American Express Co's Moat Score too high?
American Express Co's current Moat Score is 9. Based on the distribution chart, American Express Co ranks #1 out of 567 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, American Express Co has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does American Express Co's Moat Score compare to COF and PYPL?
According to the Credit Services industry distribution chart, American Express Co ranks #1 out of 567 companies for Moat Score. This places American Express Co in the top 0% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. American Express Co's current Moat Score is 9. 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?
Based on GuruFocus' analysis, American Express Co (AXP) is currently considered Fairly Valued. The stock's GF Value™ is $321.08, compared to a current price of $342.56 — trading 6.7% above its estimated fair value. The current Moat Score is 9. American Express Co's overall GF Score™ is 78/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For American Express Co (AXP), the current Moat Score is 9 as of Jun. 24, 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 (AXP) Overvalued in 2026?

Based on GuruFocus' analysis, American Express Co stock appears to be overvalued. The current stock price of $342.56 is trading 6.7% above its estimated GF Value™ of $321.08. GuruFocus considers American Express Co to be Fairly Valued.

Key valuation signals for AXP:

  • Moat Score: 9
  • GF Value™: $321.08 vs. price of $342.56 (6.7% above fair value)
  • GF Score™: 78/100 with 3 warning signs

No single metric tells the full story. See the AXP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

American Express Co Business Description

Address 200 Vesey Street, New York, NY, USA, 10285
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.
78GF Score

Get the complete analysis for AXP

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$342.56
Price
$321.08
GF Value