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Net Charge Offs to Average Loans % is the net charge-offs divided by the average total loans during a specific period. This ratio measures the proportion of debt owed to a company that is unlikely to be recovered. A higher ratio means there’s more bad debt that is unlikely to be collected, which leads investors to believe it has a very risky portfolio.
The historical rank and industry rank for American Express Co's Net Charge Offs to Average Loans % or its related term are showing as below:
XSWX:AXP's Net Charge Offs to Average Loans % is not ranked *
in the Credit Services industry.
Industry Median: * Ranked among companies with meaningful Net Charge Offs to Average Loans % only.
American Express Co (XSWX:AXP) Net Charge Offs to Average Loans % Explanation
A Net Charge-off (NCO) is the dollar amount representing the difference between gross charge-offs and any subsequent recoveries of delinquent debt. The bad debt often needs to be written off and classified as gross charge-off. If any money is recovered from that debt, the recovered amount needs to be subtracted from gross charge-off, which is how we get the net charge-off.
Net Charge Offs to Average Loans % represents the amount of debt that a company believes it will never collect and is an indicator of a financial institution's loan portfolio performance. A higher ratio, especially when compared to the previous period or to other banks, would suggest that there’s more bad debt that is unlikely to be collected and the loan portfolio may be too risky.
American Express Co Net Charge Offs to Average Loans % Related Terms
American Express Co Net Charge Offs to Average Loans % Historical Data
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The historical data trend for American Express Co's Net Charge Offs to Average Loans % 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.
American Express Co Net Charge Offs to Average Loans % Chart
American Express Co (XSWX:AXP) Net Charge Offs to Average Loans % Calculation
Net Charge Offs to Average Loans % is calculated as
Net Charge Offs to Average Loans %
=
Net Charge-offs
/
Average Total Loans
* 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.
Frequently Asked Questions
What does a Net Charge Offs to Average Loans % of 0.00% mean?
American Express Co (XSWX:AXP) has a Net Charge Offs to Average Loans % of 0.00% as of . 20. Net Charge Offs Average Loans is the net charge-offs divided by the average total loans during a specific period. View historical data on American Express Co and its competitors.
Is American Express Co's Net Charge Offs to Average Loans % too high?
American Express Co's current Net Charge Offs to Average Loans % is 0.00%. Overall, American Express Co has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does American Express Co's Net Charge Offs to Average Loans % compare to COF and PYPL?
American Express Co's Net Charge Offs to Average Loans % of 0.00% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Charge Offs to Average Loans % for a Credit Services company?
A good Net Charge Offs to Average Loans % depends on the Credit Services industry context. However, Net Charge Offs to Average Loans % 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 Net Charge Offs to Average Loans % mean?
A high Net Charge Offs to Average Loans % can signal that a stock is expensive relative to its fundamentals. Net Charge Offs Average Loans is the net charge-offs divided by the average total loans during a specific period. View historical data on American Express Co and its competitors. American Express Co's current Net Charge Offs to Average Loans % is 0.00%. 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 Net Charge Offs to Average Loans % of 0.00%. The stock's GF Value™ is CHF259.77, compared to a current price of CHF270.25 — trading 4% above its estimated fair value. The current Net Charge Offs to Average Loans % is 0.00%. American Express Co's overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Charge Offs to Average Loans % calculated?
Net Charge Offs to Average Loans % is calculated from a company's financial statements. For American Express Co (XSWX:AXP), the current Net Charge Offs to Average Loans % is 0.00% as of . 20. 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 CHF270.25 is trading 4% above its estimated GF Value™ of CHF259.77.
Key valuation signals for XSWX:AXP:
Net Charge Offs to Average Loans %: 0.00%
GF Value™: CHF259.77 vs. price of CHF270.25 (4% above fair value)
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.
83GF Score
Get the complete analysis for XSWX:AXP
Net Charge Offs to Average Loans % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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