AXP

American Express Company

NYQ · Financial Services

$305.66

$3.70 (+1.23%)up 1.23%

24 September 2026 · delayed 15+ min

D-

Quality score61.8 / 100

Cut-offs are the grader's own: 97+ for an A+, below 60 is an F.

American Express Company earns a D- on good profit margins (>10%) and strong ROE (>20%) but high debt-to-equity ratio (>2.0) and MACD bearish (negative histogram). Consider alternatives with better risk/reward profiles.

Model stance WEAK HOLD Suggested position 4.0% · $400.00 IQInvest estimate
Adjusted for Moderate investors, Medium-term investors 4.0% suggested allocation Change these

These change the suggested position size and the stance, not the category scores. Amount is in dollars.

IQ-AXP-20260924engine v1 · 7-category weighted scorecard

What it is worth, depending who you ask.

Today’s price against the year it has had and the targets analysts publish. Every marker is a reported figure, not a projection of ours.

52-week low

$290.97

Today's price

$305.66

Lowest analyst target

$329.00

Mean analyst target

$378.54

52-week high

$387.49

Highest analyst target

$450.00

AXP trades 15% of the way up its 52-week range, between $290.97 and $387.49. The mean analyst target of $378.54 is 23.8% above today's price.

Today’s price 52-week range Analyst price targets

Scored categories

Financial healthGood profit margins (>10%); Strong ROE (>20%); High debt-to-equity ratio (>2.0) 90.023%

Profit margin

16.14%

Net profit per unit of revenue

healthyWhat this means

Of every 100 units of revenue, this much survives as profit.

A comfortable buffer between revenue and costs.

Operating margin

20.32%

Before interest and tax

healthyWhat this means

Profit from operations, before interest and tax, per 100 of revenue.

The operations themselves are comfortably profitable.

Gross margin

62.34%

After the cost of goods only

highWhat this means

What is left of revenue after only the direct cost of the product.

Little marginal cost per sale, which is what lets software and pharma fund heavy R&D.

Return on equity

34.38%

Profit per unit of shareholder capital

very strongWhat this means

Profit generated per unit of shareholder capital.

Rare when sustained — check whether debt is flattering it, since borrowing shrinks the equity denominator.

Return on assets

3.79%

Profit per unit of assets

lowWhat this means

Profit generated per unit of everything the company owns.

Common in asset-heavy industries such as utilities, telecoms and airlines.

Debt to equity

172.38

Borrowings against equity

heavily gearedWhat this means

Borrowings measured against shareholder capital.

Debt magnifies both good years and bad, and raises the stakes when rates rise.

Current ratio

1.55

Short-term assets over short-term debts

adequateWhat this means

Short-term assets against short-term obligations.

Enough to cover near-term bills.

Quick ratio

1.54

As above, excluding inventory

comfortableWhat this means

Short-term assets excluding inventory, against short-term debts.

Liquid assets exceed short-term obligations.

Revenue growth

12.80%

Year on year

growingWhat this means

Change in revenue against the same period last year.

A healthy expansion rate.

Earnings growth

11.00%

Year on year

strongWhat this means

Change in earnings against the same period last year.

Profit is compounding at a good clip.

Revenue

$21.73B

Trailing twelve months

Operating cash flow

$18.47B

Cash from the business itself

Payout ratio

21.48%

Dividends as a share of earnings

conservativeWhat this means

The share of earnings paid out as dividends.

Comfortably covered, with room to keep raising it.

Growth & momentumLow Sharpe ratio (0.49) 35.022%

Return, 1 month

-9.02%

Return, 3 months

-10.50%

Return, 6 months

2.41%

Return, year to date

-17.51%

Return, 1 year

-9.53%

Return, 3 years

98.61%

Sharpe ratio

0.49

Return earned per unit of risk

modestWhat this means

Return earned per unit of risk taken.

Below 1 is the common case; return did not strongly outpace the volatility.

Win rate

51.68%

Share of days that closed up

about evenWhat this means

The share of trading days that closed higher.

Close to a coin flip, which is the norm — returns come from the size of moves, not their count.

Average daily return

0.07%

Best day

13.38%

Worst day

-9.97%

ValuationHigh P/B ratio (6.02) 55.018%

P/E ratio

18.54

Price against trailing earnings

moderateWhat this means

You pay 18.54 for every 1 unit of annual earnings.

Roughly the long-run market average band.

Forward P/E

15.15

Price against forecast earnings

moderateWhat this means

Price against next year's *forecast* earnings.

A conventional range.

PEG ratio

1.22

P/E adjusted for growth

fairWhat this means

P/E divided by the growth rate — it asks whether the price is justified by the growth.

Between 1 and 2 price and growth are roughly in step.

Price to book

6.02

Price against balance-sheet equity

well above bookWhat this means

Price against the accounting value of the company's net assets.

Normal for asset-light businesses, where the value sits in brands and software the balance sheet never records.

Price to sales

2.91

Price against revenue

moderateWhat this means

Price against revenue — usable when a company has no profit yet.

A common range for a profitable, growing business.

Enterprise value

$217.26B

Market value plus debt, minus cash — the price of the whole business

Shares outstanding

675,309,833

Shares the profit is split across

Dividend yield

1.26%

Annual dividend against price

modestWhat this means

Annual dividend as a percentage of the share price.

A small income component.

TechnicalRSI in healthy range (30-70); MACD bearish (negative histogram) 50.015%

RSI (14)

32.2

Above 70 overbought, below 30 oversold

neutralWhat this means

A 0–100 momentum gauge over the last 14 sessions.

The middle band, where most trading days sit.

MACD

-7.61

Momentum against its own trend

MACD histogram

-1.75

Positive is bullish

ADX

24.1

Trend strength; above 25 is a real trend

trendingWhat this means

Trend strength, regardless of direction.

Above 25 is conventionally read as a genuine trend in force.

20-day average

$322.29

50-day average

$334.11

200-day average

$333.52

Price vs 50-day

-8.52%

Price vs 200-day

-8.35%

Bollinger upper

$341.30

Bollinger lower

$303.27

Average true range

6.52

Typical daily trading range

Stochastic %K

16.4

RiskModerate beta (market-like risk) 50.012%

Volatility, annualised

29.52%

How far it swings in a year

normalWhat this means

How far the price typically swings over a year.

A typical range for an individual share.

Beta

1.05

Moves against the wider market

market-likeWhat this means

How much the price moves relative to the wider market.

Moves roughly in step with the index.

Maximum drawdown

-31.55%

Worst peak-to-trough fall

significantWhat this means

The worst peak-to-trough fall in the period measured.

A serious decline, though not unusual over a multi-year window.

Risk category

High

The engine's own banding

Analyst viewAnalyst consensus: Buy; Significant upside potential (23.8%) 100.010%

Consensus

Buy

What covering analysts rate it

Analysts covering

24

Mean price target

$378.54

Highest target

$450.00

Lowest target

$329.00

Implied upside

23.84%

Target against today's price

meaningfulWhat this means

How far the mean analyst target sits above today's price.

Analysts see real room above today's price.

Price against the S&P 500

180 trading days to 2026-09-24

AXP is 19.8% down over the window, against 10.9% up for the S&P 500 — behind by 30.8 points.
AXP -19.8%S&P 500 +10.9%
Show the numbers
Sampled across the window. Both columns are rebased to 100 on 2026-01-06, so they can be compared directly.
DateCloseAXP rebasedS&P 500 rebased
2026-01-06$381.31100.0100.0
2026-01-28$354.8993.1100.5
2026-02-19$340.6489.398.8
2026-03-12$300.1278.796.1
2026-04-02$299.3678.594.8
2026-04-24$313.2282.1103.2
2026-05-15$312.6282.0106.7
2026-06-08$311.4581.7106.6
2026-06-30$337.3388.5108.0
2026-07-22$348.7491.5108.0
2026-08-12$344.0890.2111.6
2026-09-02$329.9886.5110.4

How the score was built

Each category is scored 0–100, then multiplied by its weight. The seven contributions sum to the quality score.
CategoryScoreWeightContribution
Financial health90.023%20.7
Growth & momentum35.022%7.7
Valuation55.018%9.9
Technical50.015%7.5
Risk50.012%6.0
Analyst view100.010%10.0
ESG50.00%0.0
Quality score100%61.8

ESG is scored but carries no weight in this grade. Add ?esg=1 to the address to include it — the engine then redistributes weight across the other six, so the whole scorecard changes, not just one row.

Argue with the model

Every other grader hands you a number. This one hands you the model.

Move a slider, press Recalculate, and the grade is rebuilt from the same category scores. Nothing is hidden: the scores are the engine's, only the weighting is yours.

What each model believes. Pick one above, or set your own sliders below.
ModelThe emphasis
IQInvest defaultThe engine's own weighting: financial health 23% and performance 22% lead, valuation 18%, then technicals, risk and analysts.
Value investorPrice against worth dominates: valuation 40%, financial health 25%. Chart signals count for almost nothing.
Growth investorMomentum first: performance 40% and technicals 20%. Whether the price is fair today gets just 5%.
Sleep at nightStability over everything: risk 35% and financial health 30% together outweigh all other categories combined.
ChartistThe tape over the fundamentals: technicals 45% and performance 25%. Valuation is nearly ignored.
18%
23%
22%
12%
15%
10%
0%

These are IQInvest's own weights, totalling 100%.

Your grade

D-

61.8 / 100

Identical to the IQInvest grade.

All 64 metricsOne flat sortable table, for when you want everything at once.
Metric Category Value Source
20-day averageTechnical$322.29Yahoo Finance
200-day averageTechnical$333.52Yahoo Finance
50-day averageTechnical$334.11Yahoo Finance
52-week highMarket data$387.49Yahoo Finance
52-week lowMarket data$290.97Yahoo Finance
ADXTechnical24.1Yahoo Finance
Analysts coveringAnalyst view24Yahoo Finance
Average daily returnGrowth & momentum0.07%Yahoo Finance
Average true rangeTechnical6.52Yahoo Finance
Average volumeMarket data2,903,658Yahoo Finance
Best dayGrowth & momentum13.38%Yahoo Finance
BetaRisk1.05Yahoo Finance
Bollinger lowerTechnical$303.27Yahoo Finance
Bollinger upperTechnical$341.30Yahoo Finance
ConsensusAnalyst viewBuyYahoo Finance
Current ratioFinancial health1.55Yahoo Finance
Day highMarket data$305.87Yahoo Finance
Day lowMarket data$299.91Yahoo Finance
Debt to equityFinancial health172.38Yahoo Finance
Dividend yieldValuation1.26%Yahoo Finance
Earnings growthFinancial health11.00%Yahoo Finance
EmployeesMarket data76,800Yahoo Finance
Enterprise valueValuation$217.26BYahoo Finance
Forward P/EValuation15.15Yahoo Finance
Gross marginFinancial health62.34%Yahoo Finance
Highest targetAnalyst view$450.00Yahoo Finance
Implied upsideAnalyst view23.84%Yahoo Finance
Lowest targetAnalyst view$329.00Yahoo Finance
MACDTechnical-7.61Yahoo Finance
MACD histogramTechnical-1.75Yahoo Finance
Maximum drawdownRisk-31.55%Yahoo Finance
Mean price targetAnalyst view$378.54Yahoo Finance
OpenMarket data$302.28Yahoo Finance
Operating cash flowFinancial health$18.47BYahoo Finance
Operating marginFinancial health20.32%Yahoo Finance
P/E ratioValuation18.54Yahoo Finance
Payout ratioFinancial health21.48%Yahoo Finance
PEG ratioValuation1.22Yahoo Finance
Previous closeMarket data$301.96Yahoo Finance
Price to bookValuation6.02Yahoo Finance
Price to salesValuation2.91Yahoo Finance
Price vs 200-dayTechnical-8.35%Yahoo Finance
Price vs 50-dayTechnical-8.52%Yahoo Finance
Profit marginFinancial health16.14%Yahoo Finance
Quick ratioFinancial health1.54Yahoo Finance
Return on assetsFinancial health3.79%Yahoo Finance
Return on equityFinancial health34.38%Yahoo Finance
Return, 1 monthGrowth & momentum-9.02%Yahoo Finance
Return, 1 yearGrowth & momentum-9.53%Yahoo Finance
Return, 3 monthsGrowth & momentum-10.50%Yahoo Finance
Return, 3 yearsGrowth & momentum98.61%Yahoo Finance
Return, 6 monthsGrowth & momentum2.41%Yahoo Finance
Return, year to dateGrowth & momentum-17.51%Yahoo Finance
RevenueFinancial health$21.73BYahoo Finance
Revenue growthFinancial health12.80%Yahoo Finance
Risk categoryRiskHighYahoo Finance
RSI (14)Technical32.2Yahoo Finance
Shares outstandingValuation675,309,833Yahoo Finance
Sharpe ratioGrowth & momentum0.49Yahoo Finance
Stochastic %KTechnical16.4Yahoo Finance
Volatility, annualisedRisk29.52%Yahoo Finance
VolumeMarket data3,827,731Yahoo Finance
Win rateGrowth & momentum51.68%Yahoo Finance
Worst dayGrowth & momentum-9.97%Yahoo Finance
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