American Express Co.

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AXP : NYSE : Finance
$97.35 -0.15 | -0.15%
Today's Range: 97.05 - 98.0715
Avg. Daily Volume: 3623200.0
02/22/18 - 4:00 PM ET

Financial Analysis

AMERICAN EXPRESS CO's gross profit margin for the fourth quarter of its fiscal year 2017 has increased when compared to the same period a year ago. Even though sales increased, the net income has decreased, representing a decrease to the bottom line.

During the same period, stockholders' equity ("net worth") has decreased by 12.19% from the same quarter last year.

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Income Statement Q4 FY17 Q4 FY16
Net Sales ($mil)9419.08435.0
EBITDA ($mil)0.01679.0
EBIT ($mil)2021.01394.0
Net Income ($mil)-1197.0825.0

Balance Sheet Q4 FY17 Q4 FY16
Cash & Equiv. ($mil)33000.025830.0
Total Assets ($mil)181000.0158893.0
Total Debt ($mil)59000.052571.0
Equity ($mil)18000.020501.0

Profitability Q4 FY17 Q4 FY16
Gross Profit Margin21.4619.91
EBITDA Margin0.019.9
Operating Margin21.4616.53
Sales Turnover0.20.21
Return on Assets1.513.4
Return on Equity14.7525.98
Debt Q4 FY17 Q4 FY16
Current Ratio0.00.0
Interest Expense200.0182.0
Interest Coverage10.117.66

Share Data Q4 FY17 Q4 FY16
Shares outstanding (mil)859.0904.0
Div / share0.350.32
Book value / share20.9522.68
Institutional Own % n/a n/a
Avg Daily Volume3783789.03117179.0


HOLD. AMERICAN EXPRESS CO's P/E ratio indicates a premium compared to an average of 24.05 for the Consumer Finance industry and a premium compared to the S&P 500 average of 25.51. To use another comparison, its price-to-book ratio of 4.61 indicates a premium versus the S&P 500 average of 3.26 and a significant premium versus the industry average of 2.81. The current price-to-sales ratio is similar to the S&P 500 average, but it is above the industry average, indicating a premium. Upon assessment of these and other key valuation criteria, AMERICAN EXPRESS CO proves to trade at a premium to investment alternatives within the industry.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
AXP 33.30 Peers 24.05   AXP NA Peers 10.90

Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.

AXP is trading at a significant premium to its peers.


Neutral. The P/CF ratio is the stock’s price divided by the sum of the company's cash flow from operations. It is useful for comparing companies with different capital requirements or financing structures.

Ratio not available.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
AXP 12.21 Peers 14.11   AXP 1.26 Peers 0.73

Average. An average price-to-projected earnings ratio can signify an industry neutral stock price and average future growth expectations.

AXP is trading at a valuation on par with its peers.


Premium. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

AXP trades at a significant premium to its peers.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
AXP 4.61 Peers 2.81   AXP -48.50 Peers -21.28

Premium. A higher price-to-book ratio makes a stock less attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

AXP is trading at a significant premium to its peers.


Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, AXP is expected to significantly trail its peers on the basis of its earnings growth rate.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
AXP 2.33 Peers 2.08   AXP 5.20 Peers 9.01

Premium. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

AXP is trading at a premium to its industry on this measurement.


Lower. A sales growth rate that trails the industry implies that a company is losing market share.

AXP significantly trails its peers on the basis of sales growth



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