AMERICAN EXPRESS CO

10-K & 10-Q Filings

American Express is a globally integrated payments company that provides customers with access to products, insights, and experiences. Its business model focuses on generating revenues by driving spending on its cards and secondarily through finance charges and fees. American Express offers a range of card products, rewards, and services to consumers, small businesses, mid-sized companies, and large corporations around the world. The company's strategic imperatives include expanding leadership in the premium consumer space, building on its strong position in commercial payments, strengthening its global, integrated network, and promoting diversity, equity, and inclusion. American Express operates through four reportable segments: U.S. Consumer Services, Commercial Services, International Card Services, and Global Merchant and Network Services. The company's website is www.americanexpress.com, and its ticker symbol is AXP.

12 mos ending Dec 31, 201112 mos ending Dec 31, 201212 mos ending Dec 31, 201312 mos ending Dec 31, 201412 mos ending Dec 31, 201512 mos ending Dec 31, 201612 mos ending Dec 31, 201712 mos ending Dec 31, 201812 mos ending Dec 31, 201912 mos ending Dec 31, 202012 mos ending Dec 31, 202112 mos ending Dec 31, 202212 mos ending Dec 31, 20233 mos ending Mar 31, 20233 mos ending Mar 31, 2024CAGR %YoY %Revenue (+)
$29962.00
31582.00
32974.00
34292.00
32818.00
32119.00
30712.00
36986.00
39983.00
36087.00
42380.00
52862.00
60515.00
13226.00
14532.00
6.03%9.87%Net Interest Income (+)
$4641.00
4628.00
5047.00
5472.00
5922.00
5771.00
6441.00
7663.00
8620.00
7985.00
7750.00
9895.00
13134.00
2983.00
3769.00
9.06%26.35%Interest Expense (-)
$2320.00
2226.00
1958.00
1707.00
1623.00
1704.00
2112.00
2943.00
3464.00
2098.00
1283.00
2763.00
6849.00
1433.00
2006.00
9.44%39.99%Non Interest Income (+)
$25321.00
26954.00
27927.00
28820.00
26896.00
26348.00
27030.00
32675.00
34936.00
28102.00
34630.00
42967.00
47381.00
10243.00
10763.00
5.36%5.08%Selling, General & Administrative (-)
$
3217.00
6470.00
7114.00
6747.00
9053.00
5458.00
5213.00
1341.00
1476.00
10.07%Marketing Expenses (-)
$
3217.00
6470.00
7114.00
6747.00
9053.00
5458.00
5213.00
1341.00
1476.00
10.07%Operating Expenses (-)
$21894.00
23141.00
22976.00
23257.00
22892.00
21997.00
23298.00
28864.00
31554.00
27061.00
33110.00
41095.00
45079.00
11059.00
11387.00
6.20%2.97%Operating Income/Loss (+)
$7298.00
7699.00
9209.00
10243.00
9189.00
9426.00
6619.00
7185.00
7466.00
9026.00
9270.00
11767.00
15436.00
2167.00
3145.00
6.44%45.13%Provision for Loan Loss (-)
$342.00
1248.00
1321.00
1252.00
1251.00
1330.00
1964.00
2415.00
2610.00
4730.00
-1419.00
2182.00
4923.00
1055.00
1269.00
24.89%20.28%Earnings before Tax (+)
$6956.00
6451.00
7888.00
8991.00
7938.00
8096.00
7414.00
8122.00
8429.00
4296.00
10689.00
9585.00
10513.00
2167.00
3145.00
3.50%45.13%Tax Expense (-)
$2057.00
1969.00
2529.00
3106.00
2775.00
2688.00
4678.00
1201.00
1670.00
1161.00
2629.00
2071.00
2139.00
351.00
708.00
0.33%101.71%Income/Loss (Continuing Operations) (+)
$4899.00
4482.00
5359.00
5885.00
5163.00
5408.00
2736.00
6921.00
6759.00
3135.00
8060.00
7514.00
8374.00
1816.00
2437.00
4.57%34.20%Income/Loss (Discontinued Operations) (+)
$36.00
Net Income/Loss (+)
$4935.00
4482.00
5359.00
5885.00
5163.00
5408.00
2736.00
6921.00
6759.00
3135.00
8060.00
7514.00
8374.00
1816.00
2437.00
4.51%34.20%Net Income/Loss (Common) (+)
$4935.00
4482.00
5359.00
5885.00
5163.00
5408.00
2736.00
6921.00
6759.00
3135.00
8060.00
7514.00
8374.00
1816.00
2437.00
4.51%34.20%EPS (Basic)
$4.14
3.91
4.91
5.58
5.07
5.67
2.98
7.93
8.00
3.77
10.04
9.86
11.23
2.41
3.34
8.67%38.59%EPS (Diluted)
$4.12
3.89
4.88
5.56
5.05
5.65
2.97
7.91
7.99
3.77
10.02
9.85
11.21
2.40
3.33
8.70%38.75%Weighted Avg Shares (Basic)
1178.00
1135.00
1082.00
1045.00
999.00
933.00
883.00
856.00
828.00
805.00
789.00
751.00
735.00
743.00
721.00
-3.85%-2.96%Weighted Avg Shares (Diluted)
1184.00
1141.00
1089.00
1051.00
1003.00
935.00
886.00
859.00
830.00
806.00
790.00
752.00
736.00
744.00
722.00
-3.88%-2.96%Cash
$24893.00
22250.00
19486.00
22288.00
22762.00
25208.00
32927.00
27445.00
23932.00
32965.00
22028.00
33914.00
46596.00
40836.00
54213.00
5.36%32.76%Short-term Investments
$
166.00
138.00
157.00
188.00
307.00
166.00
207.00
69.00
-66.67%Receivables
$44528.00
46465.00
47793.00
47920.00
47949.00
50073.00
56689.00
58227.00
56794.00
Securities & Long-term Investments
$67894.00
69372.00
70993.00
73615.00
61304.00
68618.00
77459.00
88043.00
84998.00
114077.00
141697.00
166958.00
188074.00
168086.00
188437.00
8.86%12.11%Property, Plant & Equipment (Net)
$3367.00
3635.00
3875.00
3938.00
4108.00
4433.00
4329.00
4416.00
4834.00
5015.00
4988.00
5215.00
5138.00
5204.00
5138.00
3.58%-1.27%Other Assets
$12655.00
11418.00
11228.00
11342.00
25061.00
10561.00
9755.00
10305.00
27625.00
39153.00
19647.00
21960.00
21134.00
21509.00
21404.00
4.37%-0.49%Assets (Total)
$153337.00
153140.00
153375.00
159103.00
161184.00
158893.00
181159.00
188602.00
198321.00
191367.00
188548.00
228354.00
261108.00
235842.00
269261.00
4.54%14.17%Deposits
$37898.00
39803.00
41763.00
44171.00
54997.00
53042.00
64452.00
69960.00
73287.00
86875.00
84382.00
110239.00
129144.00
120806.00
134418.00
10.76%11.27%Accounts Payable
$10458.00
10006.00
10615.00
11300.00
11822.00
11190.00
14657.00
12255.00
12738.00
9444.00
10574.00
12133.00
13109.00
12526.00
13411.00
1.90%7.07%Debt (Current)
$3424.00
3314.00
5021.00
3480.00
4812.00
5581.00
3278.00
3100.00
6442.00
1878.00
2243.00
1348.00
1293.00
1724.00
1742.00
-7.79%1.04%Debt (Non-current)
$62994.00
62287.00
60351.00
61435.00
52873.00
52571.00
59082.00
61523.00
64277.00
44830.00
40918.00
43921.00
49159.00
42862.00
50568.00
-2.05%17.98%Other Liabilities
$19769.00
18844.00
16129.00
18044.00
16007.00
16008.00
21463.00
19474.00
18506.00
25356.00
28254.00
36002.00
40346.00
31932.00
40358.00
6.13%26.39%Liabilities (Total)
$134543.00
134254.00
133879.00
138430.00
140511.00
138392.00
162932.00
166312.00
175250.00
168383.00
166371.00
203643.00
233051.00
209850.00
240497.00
4.68%14.60%Retained Earnings
$7221.00
7525.00
8507.00
9513.00
9665.00
10371.00
8273.00
12499.00
13871.00
13837.00
13474.00
16279.00
19612.00
17427.00
20421.00
8.68%17.18%AOCI
$-876.00
-927.00
-1426.00
-1919.00
-2534.00
-2784.00
-2428.00
-2597.00
-2737.00
-2895.00
-2945.00
-3210.00
-3072.00
-3106.00
-3155.00
-1.58%Shareholder's Equity
$18794.00
18886.00
19496.00
20673.00
20673.00
20501.00
18227.00
22290.00
23071.00
22984.00
22177.00
24711.00
28057.00
25992.00
28764.00
3.40%10.66%Liabilities & Equity
$153337.00
153140.00
153375.00
159103.00
161184.00
158893.00
181159.00
188602.00
198321.00
191367.00
188548.00
228354.00
261108.00
235842.00
269261.00
4.54%14.17%Net Income/Loss
$4935.00
4482.00
5359.00
5885.00
5163.00
5408.00
2736.00
6921.00
6759.00
3135.00
8060.00
7514.00
8374.00
1816.00
2437.00
4.51%34.20%Depreciation & Amortization
$918.00
991.00
1020.00
1012.00
1043.00
1095.00
1321.00
1293.00
1188.00
1543.00
1695.00
1626.00
1651.00
400.00
390.00
5.01%-2.50%Increase/Decrease in Working Capital
$-2427.00
-186.00
9.00
-2700.00
-2038.00
-573.00
-5659.00
3374.00
-1403.00
3810.00
-6751.00
-9017.00
-2497.00
3940.00
-1473.00
-137.39%Share-based Compensation
$301.00
297.00
350.00
290.00
234.00
254.00
282.00
283.00
283.00
249.00
330.00
375.00
450.00
140.00
176.00
3.41%25.71%Adjustments to Reconcile Net Income
$5576.00
2600.00
3188.00
5105.00
5809.00
2816.00
10804.00
2009.00
6873.00
2456.00
6585.00
13565.00
10185.00
-2193.00
3115.00
5.15%242.04%Net Cash (Operating)
$10475.00
7082.00
8547.00
10990.00
10972.00
8224.00
13540.00
8930.00
13632.00
5591.00
14645.00
21079.00
18559.00
-377.00
5552.00
4.88%1572.68%Capital Expenditure
$1799.00
1519.00
1201.00
434.00
1496.00
1852.00
1273.00
1830.00
1997.00
2075.00
1549.00
1870.00
1627.00
424.00
396.00
-0.83%-6.60%Net Cash (Investing)
$-491.00
-6545.00
-7269.00
-7967.00
-8193.00
1868.00
-18273.00
-19615.00
-16707.00
11632.00
-10529.00
-33689.00
-24433.00
-1404.00
-3144.00
-123.93%Increase/Decrease in Debt
$1183.00
1143.00
270.00
4337.00
2589.00
-2071.00
17767.00
8023.00
5502.00
-6609.00
-5881.00
29520.00
23781.00
9300.00
6896.00
28.41%-25.85%Increase/Decrease in Equity
$-1706.00
-3509.00
-3222.00
-3285.00
-3446.00
-4254.00
-4171.00
87.00
86.00
44.00
48.00
-3446.00
-3622.00
-298.00
-1263.00
-323.83%Dividends Paid
$861.00
902.00
939.00
1041.00
1172.00
1207.00
1251.00
1324.00
1422.00
1474.00
1448.00
1565.00
1780.00
405.00
452.00
6.24%11.60%Net Cash (Financing)
$-1384.00
-3268.00
-3891.00
11.00
-2029.00
-7532.00
12245.00
5101.00
-519.00
-9068.00
-14933.00
24509.00
18379.00
8597.00
5181.00
-39.73%Effect of Exchange Rate
$-63.00
88.00
-151.00
-232.00
-276.00
-114.00
207.00
129.00
232.00
364.00
-120.00
-13.00
177.00
106.00
28.00
-73.58%Increase/Decrease in Cash
$8537.00
-2643.00
-2764.00
2802.00
474.00
2446.00
7719.00
-5455.00
-3362.00
8519.00
-10937.00
11886.00
12682.00
6922.00
7617.00
3.35%10.04%Cash (Beginning)
$16356.00
24893.00
22250.00
19486.00
22288.00
22762.00
25208.00
33263.00
27808.00
24446.00
32965.00
22028.00
33914.00
33914.00
46596.00
6.27%37.39%Cash (Ending)
$24893.00
22250.00
19486.00
22288.00
22762.00
25208.00
32927.00
27808.00
24446.00
32965.00
22028.00
33914.00
46596.00
40836.00
54213.00
5.36%32.76%NOPAT
$5139.87
5349.08
6256.47
6704.49
5976.67
6296.42
2442.62
6122.55
5986.79
6586.71
6990.01
9224.54
12295.35
1816.00
2437.00
7.54%34.20%Operating Margin %
24.36%
24.38%
27.93%
29.87%
28.00%
29.35%
21.55%
19.43%
18.67%
25.01%
21.87%
22.26%
25.51%
16.38%
21.64%
NOPAT Margin %
17.15%
16.94%
18.97%
19.55%
18.21%
19.60%
7.95%
16.55%
14.97%
18.25%
16.49%
17.45%
20.32%
13.73%
16.77%
Net Margin %
16.47%
14.19%
16.25%
17.16%
15.73%
16.84%
8.91%
18.71%
16.90%
8.69%
19.02%
14.21%
13.84%
13.73%
16.77%
Tax Rate %
29.57%
30.52%
32.06%
34.55%
34.96%
33.20%
63.10%
14.79%
19.81%
27.03%
24.60%
21.61%
20.35%
16.20%
22.51%
ROA
3.35%
3.49%
4.08%
4.21%
3.71%
3.96%
1.35%
3.25%
3.02%
3.44%
3.71%
4.04%
4.71%
0.77%
0.91%
ROE
27.35%
28.32%
32.09%
32.43%
28.91%
30.71%
13.40%
27.47%
25.95%
28.66%
31.52%
37.33%
43.82%
6.99%
8.47%
Equity Multiplier
8.16
8.11
7.87
7.70
7.80
7.75
9.94
8.46
8.60
8.33
8.50
9.24
9.31
9.07
9.36
Debt/Equity Ratio
5.55
5.58
5.50
5.28
5.45
5.42
6.96
6.04
6.24
5.81
5.75
6.29
6.40
6.36
6.49
Dividend Payout Ratio %
16.75%
16.86%
15.01%
15.53%
19.61%
19.17%
51.22%
21.62%
23.75%
22.38%
20.72%
16.97%
14.48%
22.30%
18.55%
Total Payout
$2567.00
4411.00
4161.00
4326.00
4618.00
5461.00
5422.00
1237.00
1336.00
1430.00
1400.00
5011.00
5402.00
703.00
1715.00
6.40%143.95%Payout Ratio %
49.94%
82.46%
66.51%
64.52%
77.27%
86.73%
221.97%
20.20%
22.32%
21.71%
20.03%
54.32%
43.94%
38.71%
70.37%