AXP - American Express Co
A premium payments and financial services network known for its charge cards, travel benefits, and affluent customer base — a franchise built on loyalty and brand prestige.
Finlify Score
45.6 / 100
Data Quality
PARTIAL
Penalty
-1.0
Sector
Financials
Close Price
$324.69
+1.24%
52W Range
$290.97 - $387.49
Market Cap
$223.0B
+1.2%Compared to previous day
2026 Q1 Revenue
-
Changes from last reporting quarter
2026 Q1 EPS
$4.28
Diluted shares
Analyst Rating
37 analysts in latest ratings feed
RSI
33.3
<40 oversold
2Y Range Position
62%
-16.2% from high / +47.3% from low
Beta
1.11
Relative to market benchmark
MACD
-0.92
MACD line -4.39 / signal line -3.47
Fundamental Trend
Growth 67.5Financial Health
Quality 70.4Data Quality
PARTIALValuation Reference
Price Chart
Close price, two-year source window
Finlify Score
AVOID45.6 / 100
Score History
Finlify Score and component trend
Financial Statements
Calendar year view. Figures are estimates only. For official figures, refer to the company website.
| 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | |
|---|---|---|---|---|
| Revenue | - | - | - | - |
| Gross Profit | - | - | - | - |
| Operating Income | - | - | - | - |
| Net Income | $3.0B+20.7% | $2.5B-15.2% | $2.9B+0.6% | $2.9B+11.6% |
Columns use the calendar quarter of each reported period end date. QoQ is shown for adjacent company reporting quarters only.
AI Signal
Generated Aug 1, 2026
The Finlify signal for AXP is HOLD, with an overall Finlify Score of 54.8 out of 100, which appears to reflect a neutral stance influenced by mixed component scores. This assessment is made with a "PARTIAL" data quality context, indicating some data limitations.
Technical
The asset's Relative Strength score of 39.5/100 suggests below-average price performance compared to its peers, while the Accumulation / Volume score of 68.7/100 indicates some positive buying interest. The RSI(14) is at a neutral 47.4, and AXP has seen a -3.0% return over the last 20 days, although it has gained 5.7% over 60 days. The current price is also 12.3% below its 52-week high.
Fundamentals
Fundamental Trend at 67.5/100 and Financial Quality at 70.4/100 appear to indicate generally sound underlying financial health and positive trends for American Express. However, valuation metrics such as a P/E of 21.0x, P/B of 7.6x, and P/S of 2.9x may suggest a premium valuation. The asset has a Beta of 1.1, implying slightly higher volatility than the market, and offers a Dividend Yield of 1.13%.
Macro Context
The prevailing macro environment, characterized by elevated inflation (CPI YoY at 3.7%) and a positive yield spread of 0.5% (10Y-2Y), could influence the financial services sector. A relatively strong labor market, with an unemployment rate of 4.2%, may support consumer spending, which is relevant for American Express.
Key Risks
- Partial Data Coverage: The "PARTIAL" data quality, with flags for missing_revenue_qoq and missing_margin_trend, indicates that the Finlify score is based on incomplete data, potentially limiting the full scope of the analysis.
- Below-Average Relative Strength: A Relative Strength score of 39.5/100 suggests that AXP has recently underperformed its peers, which could indicate a lack of strong positive price momentum.
- Potential Valuation Premium: Valuation multiples such as a P/E of 21.0x, P/B of 7.6x, and P/S of 2.9x may suggest the asset is trading at a premium, which could limit future upside potential.