Revenue segments as reported by the company.

Non-interest revenues

Interest income

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Interest expense

Provisions for credit losses

Marketing and business development

Card Member rewards

Card Member services

Salaries and employee benefits

Other expenses

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

American Express

American Express Co. engages in the provision of charge and credit card products and travel-related services. It operates through the following segments: U.S Consumer Services (USCS), Commercial Services (CS), International Card Services (ICS), Global Merchant and Network Services (GMNS), and Corporate and Other. The USCS segment issues a wide range of proprietary consumer cards to U.S consumers. The CS segment offers proprietary corporate and small business cards and provides services to U.S. businesses, including payment and expense management, banking and non-card financing products. The ICS segment focuses on a range of proprietary consumer, small business and corporate cards outside the United States. It also provides services to international customers, including travel and lifestyle services, and manages certain international joint ventures and loyalty coalition businesses. The GMNS segment operates a global payments network that processes and settles card transactions, acquires merchants, and provides multi-channel marketing programs and capabilities, services, and data analytics. The Corporate and Other segment covers corporate functions and certain other businesses and operations. The company was founded by Henry Wells, William G. Fargo, and John Warren Butterfield on March 28, 1850 and is headquartered in New York, NY.

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Earnings data Q1 2023

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Earnings data Q1 2024

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Earnings data Q4 2024

American Express exceeds revenue targets, eyes growth through innovation

American Express (AXP) delivered strong financial performance in Q4 2022, exceeding revenue and EPS guidance. The company focuses on innovation, marketing, and risk management to drive growth in 2023. AXP's revenue growth was driven by discount revenue, net card fee revenues, and net interest income.
Despite challenges such as increased operating expenses and strong competition, AXP's strategic focus on premium customers and efficiencies positions them well for future growth. The company's emphasis on customer retention, efficient marketing spend, and international growth presents opportunities for expansion amidst competitive pressures and potential macroeconomic fluctuations.

American Express reports record Q1 revenues and reaffirms strong outlook

American Express delivered a robust performance in Q1 2023, driven by strong revenue growth, resilient credit metrics, and strategic acquisitions, positioning the company for continued success.
While facing challenges such as evolving spending trends and competitive risks, the company's focus on customer value propositions and operational efficiency provides avenues for sustained growth and profitability.
Opportunities in expanding T&E spending, enhancing competitive positioning, and leveraging capital strength underscore American Express's potential for future growth and value creation.

American Express (AXP) reports record Q2 revenues and eyes global expansion

American Express (AXP) delivered strong financial performance in Q2 2023, driven by record revenues and strategic initiatives.
While facing challenges such as credit normalization and competitive pressures, AXP's focus on partnerships and customer segments positions it for growth.
Opportunities in expanding network partnerships, marketing investments, and revenue diversification pave the way for future success.

American Express (AXP) reports record Q3 revenues and strong growth outlook

American Express (AXP) reported strong Q3 results, showcasing consistent growth and performance across key metrics, including record revenues and earnings per share.
The company's focus on innovation, enhancing value propositions, and attracting premium Card Members positions it well for sustainable growth and value creation in the market.
While facing challenges in regulatory discussions and evolving consumer behaviors, American Express (AXP) remains optimistic about achieving full-year revenue and EPS growth in line with guidance.

American Express reports record revenues and strategic growth plans

American Express (AXP) delivered strong financial performance in 2023, with record revenues and net income. The company's focus on growth post-COVID and strategic partnerships position it well for the future.
While facing challenges in small business spending and potential regulatory changes, American Express remains resilient with a commitment to innovation and enhancing customer value propositions.
Opportunities lie in dividend increases, new business segments, and strategic card acquisition strategies, offering avenues for continued growth and shareholder value creation.

American Express (AXP) reports robust Q1 earnings and outlines growth strategies

American Express (AXP) showcased strong financial performance in Q1, driven by revenue and EPS growth, robust spending trends, and disciplined credit management. While facing challenges in SME spending and Goods & Services growth, the company remains focused on growth opportunities in international markets and premium consumer segments. AXP's strategic focus on showcasing growth strategies and financial performance at the Investor Day underscores its commitment to sustained growth and innovation.

American Express (AXP) reports record Q2 earnings and optimistic outlook

American Express (AXP) delivered exceptional Q2 results, raising EPS guidance and emphasizing growth drivers. Despite elevated marketing spend, they remain confident in their ability to meet expectations and drive long-term growth.

American Express (AXP) reports robust Q3 earnings and eyes dining market for growth

American Express (AXP) delivered strong financial results in Q3, raising full-year guidance and showcasing consistent revenue growth. The company's strategic product refreshes and focus on dining experiences position it well for future growth. While facing some cost challenges, Amex remains resilient with a strong credit performance.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

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Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

American Express Co. is an integrated payments company, which engages in the provision of credit and charge cards to consumers, small businesses, mid-sized companies, and large corporations. It operates through the following segments: the United States Consumer Services (USCS), Commercial Services (CS), International Card Services (ICS), Global Merchant and Network Services (GMNS), and Corporate and Other. The USCS segment includes proprietary consumer cards and provides services to consumers including travel and lifestyle services as well as banking and non-card financing products. The CS segment offers proprietary corporate and small business cards and provides services to businesses including payment and expense management, banking, and non-card financing products. The ICS segment focuses on providing services to international customers including travel and lifestyle services and managing certain international joint ventures and loyalty coalition businesses. The GMNS segment is involved in operating a global payments network that processes and settles card transactions, acquires merchants, and provides multi-channel marketing programs and capabilities, services and data analytics. The Corporate and Other segment covers corporate functions and certain other businesses and operations. The company was founded by Henry Wells, William G. Fargo, and John Warren Butterfield on March 28, 1850 and is headquartered in New York, NY.

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AXP experienced strong growth in Q1 2024, with revenue up 11% and EPS up 39%. AXP has a reasonable valuation compared to growth prospects, with room for dividend growth. Initiating coverage with a buy based on American Express' healthy financials, strong management team, and innovation. However, near-term volatility is possible due to approaching all-time highs.

American Express: A Fintech Powerhouse With Growth Momentum, Buy

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American Express' stock (NYSE: AXP) has gained 23% YTD, compared to the 15% rise in the S&P500 over the same period. In sharp contrast, American Express' peer Capital One (NYSE: COF) was up just 5% YTD.

American Express Stock Is Up 23% YTD, What To Expect?

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AmEx (AXP) also agrees to buy technology company Rooam, which runs mobile payments, to expand its mobile ordering and payment capabilities.

AmEx (AXP) Buys Tock for $400M to Lock in High-End Businesses

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American Express is buying Squarespace-owned restaurant booking platform Tock for $400 million to expand its foothold in the dining industry, a category that accounted for $100 billion in spending on its cards last year.

American Express buys Tock restaurant booking platform for $400 million

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American Express has announced agreements to acquire two technology providers — Tock and Rooam — to expand its suite of digital tools for restaurants and merchants. Both transactions are subject to customary closing conditions, and the Tock acquisition also requires regulatory approval, American Express said in a Friday (June 21) press release.

American Express to Acquire Restaurant Tech Providers Tock, Rooam

Squarespace

American Express will acquire the dining reservation and event management platform Tock from Squarespace for $400 million cash.

AmEx buys dining reservation company Tock from Squarespace for $400M

American Express Company (NYSE: AXP) is in focus this morning after announcing two new acquisitions.  Shares of the credit card company have gained more than 25% since their year-to-date low in mid-January.

American Express just announced two acquisitions: find out more

American Express is buying Squarespace-owned restaurant booking platform Tock for $400 million to expand its foothold in the dining industry, one of the biggest spending categories on its cards.

AmEx to buy restaurant booking platform Tock for $400 mln

NEW YORK , June 21, 2024 /PRNewswire/ -- Squarespace (NYSE: SQSP), the design-driven platform helping entrepreneurs build brands and businesses online, today announced an agreement to sell Tock, the reservation, table, and event management technology provider, to American Express (NYSE: AXP) for $400 million. "American Express has demonstrated its commitment to the hospitality industry, and we believe that as part of American Express, Tock will deliver enhanced value to our customers through access to a broad network of diners," said Matthew Tucker, Head of Tock.

Squarespace Agrees to Sell Tock Platform to American Express for $400 Million

NEW YORK--(BUSINESS WIRE)--American Express (NYSE: AXP) today announced an agreement to acquire Tock, a reservation, table, and event management technology provider, from Squarespace (NYSE: SQSP), the design-driven platform helping entrepreneurs build brands and businesses online. The Company also announced an agreement to acquire Rooam, a technology company that powers mobile payments, ordering and integrations with point of sale, marketing and loyalty systems used by restaurants and entertain.

To Enhance Dining Platform, American Express Enters Agreement to Acquire Tock from Squarespace; Also Agrees to Acquire Rooam

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American Express (AXP) reachead $230.21 at the closing of the latest trading day, reflecting a +0.39% change compared to its last close.

Why the Market Dipped But American Express (AXP) Gained Today

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News for American Express Stock (AXP)