American Express Company (AXP) Financial Ratios Annual - Discounting Cash Flows
AXP
American Express Company
AXP (NYSE)
Period Ending: LTM
(Last Twelve Months)
2025
12-31
2024
12-31
2023
12-31
2022
12-31
2021
12-31
2020
12-31
2019
12-31
2018
12-31
2017
12-31
2016
12-31
2015
12-31
2014
12-31
2013
12-31
2012
12-31
2011
12-31
2010
12-31
2009
12-31
2008
12-31
2007
12-31
2006
12-31
2005
12-31
2004
12-31
2003
12-31
2002
12-31
2001
12-31
2000
12-31
1999
12-31
1998
12-31
1997
12-31
1996
12-31
1995
12-31
1994
12-31
1993
12-31
1992
12-31
1991
12-31
1990
12-31
1989
12-31
1988
12-31
1987
12-31
1986
12-31
1985
12-31
Price Ratios
Price to Earnings Ratio 21.95 23.86 20.89 16.44 14.77 16.01 31.05 15.25 11.79 31.91 12.86 13.46 16.52 18.32 14.56 11.26 12.57 22.22 7.93 15.21 19.84 17.28 18.2 18.32 15.43 31.84 22.92 26.53 19.21 18.37 12.75 11.63 9.27 11.32 22.16 10.82 44.51 11.2 9.51 16.41 10.17 13.22
Price to Sales Ratio 2.96 3.2 2.85 2.04 1.99 2.91 2.54 2.19 1.89 2.25 1.8 2.02 2.77 2.82 1.93 1.72 1.7 1.8 0.671 1.93 2.66 2.6 2.78 2.12 1.73 1.85 2.72 3.09 2.15 2.06 1.49 1.15 0.917 1.18 0.379 0.331 0.331 0.518 0 0 0 0
Price to Book Ratio 7.1 7.68 6.99 4.91 4.49 5.82 4.23 4.47 3.66 4.8 3.37 3.36 4.7 5.04 3.45 2.96 3.14 3.29 1.81 5.53 7 6.01 3.91 3.57 2.97 3.47 5.51 6.5 4.03 3.82 2.84 2.21 2.04 1.92 1.36 1.14 1.21 2.28 0 0 0 0
Price to Free Cash Flow Ratio 14.9 16.07 17.43 8.1 5.77 9.86 23.66 8.6 10.71 7.03 10.09 7.21 9.93 13.02 10.82 5.98 6.07 8.43 2.78 8.09 9.03 8.53 7.46 36.07 5.15 9.35 11.85 10 11.58 7.58 5.39 6.72 8.84 131.8 -6.27 -34.28 2.08 2.59 0 0 0 0
Price to Operating Cash Flow Ratio 12.91 13.95 15.06 7.42 5.26 8.81 17.41 7.56 9.14 6.48 8.4 6.33 8.85 11.49 9.21 5.3 5.49 7.41 2.47 7.19 8.17 7.89 6.86 21.56 4.75 7.84 10.14 8.89 9.32 7.08 4.91 5.96 7.22 40.52 -9.63 20.97 1.76 2.17 0 0 0 0
Price Earnings to Growth Ratio 6.04 2.46 0.835 1.17 -8.23 0.096 -0.587 -15.42 0.069 -0.673 1.09 -1.47 1.21 0.716 -2.62 0.493 0.106 -0.65 -0.251 1.29 20.03 1.63 1.03 1.19 0.148 -0.597 1.57 1.49 1.96 1.84 0.51 0.892 0.516 0.071 -0.511 0.028 -0.507 1.15 0.095 -0.328 0.261 0
EV to EBITDA 15.82 16.04 15.16 11.36 10.39 11.75 15.02 14 11.8 12.66 10.22 11.09 13.63 15.61 14.15 12.01 15.18 20.8 13.39 19.74 22.22 20.67 22.79 18.01 14.72 26.64 22.59 27.62 24.57 20.72 15.88 15.77 13.94 12.6 47.06 34.56 41.99 24.14
Liquidity Ratios
Current Ratio 0.284 0.284 0.266 0.334 0.305 0.275 0.577 0.949 1.02 0.462 0.436 0.345 0.41 0.39 0.465 0.518 0.434 0.634 0.982 0.261 0.191 0.176 1.2 0.918 0.999 0.796 0.782 0.792 0.797 0.865 0.829 0.839 0.829 0.14 0.338 0.271 0.163 0.297 0 0 0 0
Quick Ratio 0.284 0.284 0.266 0.334 0.305 0.275 0.577 0.949 1.02 0.462 0.436 0.345 0.41 0.39 0.465 0.518 0.434 0.634 0.982 0.261 0.191 0.176 1.2 0.918 0.999 0.796 0.782 0.792 0.797 0.865 0.829 0.839 0.829 0.14 0.338 0.271 0.163 0.297 0 0 0 0
Cash Ratio 0.279 0.279 0.259 0.32 0.266 0.217 0.33 0.258 0.315 0.38 0.339 0.295 0.341 0.303 0.372 0.417 0.327 0.369 0.506 0.185 0.123 0.13 0.227 0.142 0.261 0.157 0.17 0.174 0.124 0.139 0.096 0.116 0.138 0.14 0.056 0.064 0.085 0.107 0 0 0 0
Debt Ratio 0.192 0.192 0.188 0.188 0.192 0.217 0.234 0.324 0.326 0.326 0.331 0.328 0.386 0.393 0.407 0.417 0.476 0.437 0.548 0.488 0.452 0.407 0.243 0.227 0.241 0.264 0.267 0.25 0.233 0.237 0.23 0.235 0.227 0.224 0.511 0.439 0.435 0.402 0 0 0 0
Debt to Equity Ratio 1.73 1.73 1.69 1.75 1.78 1.85 1.95 2.79 2.76 3.24 2.56 2.56 2.97 3.1 3.3 3.4 4.3 3.8 5.83 6.62 5.52 4.4 2.95 2.59 2.74 3.31 3.53 3.68 2.9 2.97 2.93 3.07 3.42 2.41 11.97 8.61 9.04 9.24 0 0 0 0
Long Term Debt to Capitalization 0.627 0.627 0.622 0.63 0.633 0.635 0.651 0.715 0.724 0.753 0.696 0.699 0.737 0.739 0.757 0.76 0.803 0.784 0.835 0.833 0.802 0.744 0.671 0.574 0.548 0.408 0.308 0.392 0.408 0.451 0.434 0.479 0.527 0.495 0.668 0.64 0.654 0.716 0 0 0 0
Total Debt to Capitalization 0.633 0.633 0.628 0.637 0.64 0.649 0.661 0.736 0.734 0.764 0.719 0.719 0.748 0.756 0.767 0.773 0.811 0.791 0.854 0.869 0.847 0.815 0.747 0.722 0.732 0.768 0.779 0.786 0.744 0.748 0.745 0.754 0.774 0.707 0.923 0.896 0.9 0.902 0 0 0 0
Interest Coverage Ratio 1.68 5.91 1.56 1.53 3.47 8.33 2.05 2.43 2.76 3.52 4.72 4.89 5.27 4.03 2.9 3 2.46 1.29 1.01 1.43 1.77 2.22 2.39 4.69 3.44 1.06 2.89 3.27 2.93 2.98 2.39 1.76 1.87 1.3 0.101 0.092 0.085 0.155 0 0 0 0
Cash Flow to Debt Ratio 0.319 0.319 0.275 0.378 0.48 0.358 0.125 0.212 0.145 0.229 0.156 0.208 0.179 0.142 0.114 0.164 0.133 0.117 0.126 0.116 0.155 0.173 0.194 0.064 0.229 0.134 0.154 0.199 0.149 0.182 0.198 0.121 0.083 0.02 -0.012 0.006 0.076 0.114 0 0 0 0
Margins
Gross Profit Margin 83.23% 62.85% 81.89% 82.52% 91.11% 100.3% 82.19% 85.06% 85.45% 87.5% 86.62% 89.5% 89.33% 89.12% 88.34% 89.37% 84.57% 71.44% 70.7% 75.01% 80.41% 82.11% 84.19% 96.5% 95.46% 93.35% 94.28% 95.06% 94.78% 94.8% 93.13% 92.16% 92.92% 87.42% 71.63% 67.97% 65.1% 60.56% 0% 0% 0% 0%
Operating Profit Margin 17.14% 20.64% 17.38% 15.61% 17.23% 24.06% 11.21% 17.9% 18.78% 19.04% 20.96% 23.09% 25.58% 22.65% 19.1% 21.55% 19.88% 10.79% 11.22% 18.05% 18.32% 18% 16.97% 16.42% 15.66% 7.07% 16.51% 16.16% 15.29% 15.48% 16.41% 13.78% 13.24% 16.41% 2.87% 2.95% 2.98% 6.1% 0% 0% 0% 0%
Pretax Profit Margin 17.14% 17.14% 17.38% 15.61% 17.23% 24.06% 11.21% 17.9% 18.78% 19.04% 20.96% 23.09% 25.58% 22.65% 19.1% 21.55% 19.88% 10.79% 11.22% 18.05% 18.6% 17.41% 16.97% 16.42% 15.66% 7.07% 16.51% 16.16% 15.29% 15.48% 16.41% 13.78% 13.24% 16.41% 2.87% 2.95% 2.98% 6.1% 0% 0% 0% 0%
Net Profit Margin 13.46% 13.39% 13.65% 12.43% 13.51% 18.14% 8.18% 14.35% 16% 7.05% 14.01% 15.02% 16.74% 15.39% 13.27% 15.29% 13.52% 8.09% 8.46% 12.72% 13.39% 15.04% 15.26% 11.55% 11.22% 5.81% 11.87% 11.63% 11.19% 11.21% 11.71% 9.87% 9.89% 10.43% 1.71% 3.06% 0.744% 4.62% 0% 0% 0% 0%
Operating Cash Flow Margin 22.9% 22.9% 18.94% 27.55% 37.89% 32.96% 14.58% 28.94% 20.64% 34.73% 21.44% 31.91% 31.27% 24.54% 20.96% 32.45% 30.95% 24.24% 27.15% 26.9% 32.52% 32.97% 40.51% 9.81% 36.43% 23.58% 26.83% 34.71% 23.07% 29.11% 30.42% 19.28% 12.7% 2.91% -3.94% 1.58% 18.84% 23.86% 0% 0% 0% 0%
Free Cash Flow Margin 19.89% 19.89% 16.36% 25.23% 34.56% 29.47% 10.73% 25.45% 17.62% 32% 17.85% 28.01% 27.87% 21.65% 17.85% 28.77% 28% 21.31% 24.09% 23.93% 29.41% 30.47% 37.23% 5.86% 33.62% 19.77% 22.95% 30.86% 18.56% 27.18% 27.72% 17.09% 10.37% 0.896% -6.05% -0.967% 15.88% 20.01% 0% 0% 0% 0%
Return
Return on Assets 3.61% 3.59% 3.73% 3.21% 3.29% 4.27% 1.64% 3.41% 3.67% 1.52% 3.38% 3.2% 3.7% 3.49% 2.93% 3.22% 2.77% 1.7% 2.14% 2.68% 2.89% 3.22% 1.77% 1.71% 1.7% 0.868% 1.82% 1.67% 1.69% 1.66% 1.75% 1.46% 1.46% 1.57% 0.263% 0.539% 0.131% 0.884% 0% 0% 0% 0%
Return on Equity 33.49% 32.19% 33.47% 29.85% 30.41% 36.34% 13.64% 29.3% 31.05% 15.05% 26.22% 24.97% 28.47% 27.49% 23.73% 26.26% 25% 14.79% 22.79% 36.38% 35.27% 34.8% 21.5% 19.49% 19.27% 10.89% 24.05% 24.52% 20.99% 20.8% 22.29% 19.03% 21.96% 16.92% 6.15% 10.57% 2.73% 20.33% 0% 0% 0% 0%
Return on Capital Employed 10.67% 12.85% 11.25% 9.1% 9.35% 11.94% 4.68% 8.1% 7.99% 7.84% 9.47% 9.44% 9.52% 8.81% 6.91% 7.43% 6.17% 3.54% 4.19% 5.6% 5.95% 7.44% 2.4% 3.15% 3.16% 1.52% 3.74% 3.25% 3.11% 3.06% 3.31% 2.73% 2.62% 3.3% 0.972% 1.07% 1.16% 2.49% 0% 0% 0% 0%
Return on Invested Capital 13.29% 15.99% 13.67% 12.14% 10.89% 11.85% 5.32% 8.47% 9.31% 4.45% 8.99% 8.42% 8.14% 7.64% 6.3% 7.12% 5.05% 3.36% 4.42% 4.45% 4.47% 6.48% 1.77% 2.33% 2.48% 1.34% 2.93% 2.52% 2.38% 2.32% 2.44% 2.04% 2.01% 2.39% 0.586% 1.2% 0.604% 2.14% 0% 0% 0% 0%
Turnover Ratios
Receivables Turnover Ratio 0 0 0 0 0 16.46 12.78 0.829 0.743 12.15 11.87 11.37 13.45 10.22 9.45 8.83 8.44 4.6 6.14 10.27 12.15 10.7 0.697 0.827 0.818 0.766 0.775 0.804 0.861 0.816 0.792 0.795 0.833 0 0 0 0 0 0 0 0 0
Payables Turnover Ratio 0.918 2.03 0.968 0.898 0.408 -0.013 0.723 0.552 0.514 0.332 0.334 0.305 0.332 0.357 0.394 0.328 0.478 0.83 1.11 1.02 0.625 0.582 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Inventory Turnover Ratio 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Fixed Asset Turnover Ratio 11.31 11.31 12.02 11.4 10.67 8.91 7.64 9.74 9.8 9.01 8.65 8.37 8.93 8.99 9.29 9.59 10.33 9.47 10.83 11.72 11.78 10.94 9.48 8.12 7.99 8.03 9.45 10.66 11.69 11.59 9.69 8.88 7.76 7.17 7.71 6.99 7.02 7.46 0 0 0 0
Asset Turnover Ratio 0.268 0.268 0.273 0.258 0.244 0.236 0.2 0.237 0.229 0.215 0.241 0.213 0.221 0.227 0.221 0.211 0.205 0.21 0.253 0.211 0.216 0.214 0.116 0.148 0.151 0.149 0.153 0.143 0.151 0.148 0.15 0.147 0.147 0.151 0.153 0.176 0.177 0.191 0 0 0 0
Per Share Items ()
Revenue Per Share 117.1 115.8 104.1 91.65 74.07 56.31 47.62 56.88 50.54 44.16 41.12 34.41 33.64 32.18 29.76 27.4 25.26 22.54 27.66 26.89 22.85 19.79 17.93 20.14 18.04 17.06 17.84 15.87 14.05 12.76 11.15 10.6 9.48 7.7 19.33 18.23 18.33 19.84 0 0 0 0
Operating Cash Flow Per Share 26.82 26.52 19.71 25.25 28.07 18.56 6.95 16.46 10.43 15.33 8.81 10.98 10.52 7.9 6.24 8.89 7.82 5.47 7.51 7.23 7.43 6.52 7.26 1.98 6.57 4.02 4.79 5.51 3.24 3.71 3.39 2.04 1.2 0.224 -0.761 0.288 3.45 4.73 0 0 0 0
Free Cash Flow Per Share 23.29 23.03 17.03 23.12 25.6 16.6 5.11 14.48 8.9 14.13 7.34 9.64 9.37 6.97 5.31 7.88 7.07 4.8 6.66 6.43 6.72 6.03 6.67 1.18 6.06 3.37 4.09 4.9 2.61 3.47 3.09 1.81 0.983 0.069 -1.17 -0.176 2.91 3.97 0 0 0 0
Cash & Short Term Investments 70.65 69.83 58.55 66.19 51.12 31.05 67.66 39.48 37.43 40.81 30.35 22.78 21.33 18.01 19.6 21.13 13.77 17.69 28.57 7.57 4.38 5.97 7.07 4.46 7.79 5.45 6.4 5.57 3 3 1.84 2.14 2.28 1.8 23.27 14.55 9.23 16.35 0 0 0 0
Earnings Per Share 15.77 15.5 14.21 11.39 10.01 10.22 3.89 8.16 8.09 3.11 5.76 5.17 5.63 4.95 3.95 4.19 3.41 1.82 2.34 3.42 3.06 2.98 2.74 2.33 2.02 0.99 2.12 1.85 1.57 1.43 1.3 1.05 0.938 0.803 0.331 0.558 0.136 0.917 0 0 0 0
EBITDA Per Share 22 23.89 20.44 16.55 14.93 15.7 7.25 11.61 11 9.9 9.79 8.99 9.57 8.23 6.56 6.68 5.79 3.35 3.72 5.41 4.69 4.02 3.52 3.83 3.54 2.11 3.24 2.57 1.99 2.11 2.01 1.71 1.51 1.49 1.03 1.07 1 1.47 0.824 0.411 0.82 0.59
Dividend Per Share 3.17 3.27 2.8 2.42 2.08 1.84 1.83 1.72 1.55 1.42 1.29 1.17 0.996 0.868 0.795 0.731 0.73 0.791 0.724 0.607 0.545 0.484 0.425 0.367 0.326 0.32 0.317 0.301 0.304 0.304 0.299 0.307 0.335 0.286 0.371 0.338 0.328 0.296 0 0 0 0
Enterprise Value Per Share 348 383.2 309.9 188 155.1 184.4 108.9 162.6 129.8 125.4 100.1 99.69 130.5 128.5 92.75 80.29 87.93 69.65 49.8 106.7 104.1 83.14 80.22 69.07 52.16 56.18 73.22 71.07 48.94 43.71 31.93 26.92 21 18.72 48.41 36.98 42.01 35.58 0 0 0 0
Book Value Per Share 47.09 48.16 42.45 38.17 32.9 28.11 28.55 27.86 26.04 20.68 21.97 20.69 19.78 18.02 16.64 15.95 13.66 12.33 10.26 9.4 8.67 8.56 12.72 11.93 10.5 9.09 8.8 7.53 7.49 6.88 5.85 5.5 4.27 4.74 5.38 5.28 5 4.51 0 0 0 0
Price Per Share 334.6 370 296.8 187.3 147.8 163.6 120.9 124.5 95.32 99.31 74.08 69.55 93.04 90.73 57.48 47.17 42.92 40.52 18.55 52.02 60.67 51.46 49.8 42.61 31.23 31.53 48.54 48.96 30.19 26.28 16.64 12.18 8.69 9.09 7.33 6.04 6.07 10.27 0 0 0 0
Dividend Ratios
Dividend Payout Ratio 20.96% 21.08% 19.74% 21.26% 20.83% 17.97% 47.02% 21.04% 19.13% 45.52% 22.46% 22.7% 17.69% 17.52% 20.12% 17.45% 21.37% 43.38% 30.97% 17.75% 17.83% 16.26% 15.53% 15.77% 16.1% 32.34% 14.98% 16.32% 19.34% 21.25% 22.94% 29.28% 35.67% 35.59% 112.2% 60.46% 240.3% 32.24% 30.3% 35.73% 21.67% 28.8%
Annual Dividend Yield 0.947% 0.883% 0.945% 1.29% 1.41% 1.12% 1.51% 1.38% 1.62% 1.43% 1.75% 1.69% 1.07% 0.957% 1.38% 1.55% 1.7% 1.95% 3.91% 1.17% 0.899% 0.941% 0.853% 0.861% 1.04% 1.02% 0.654% 0.615% 1.01% 1.16% 1.8% 2.52% 3.85% 3.14% 5.07% 5.59% 5.4% 2.88% 3.19% 2.18% 2.13% 2.18%
Effective Tax Rate 21.47% 21.47% 21.45% 20.35% 21.61% 24.6% 27.03% 19.81% 14.79% 62.99% 33.16% 34.96% 34.55% 32.06% 30.52% 29.57% 31.98% 24.78% 19.83% 27.54% 29.64% 23.33% 29.89% 29.36% 28.33% 17.86% 28.1% 28.01% 26.8% 27.6% 28.64% 28.36% 27.02% 31% 43.74% -3.95% 53.38% 24.23% 0% 0% 0% 0%
Short Term Coverage Ratio 13.44 13.44 10.23 14.35 15.64 6.53 2.98 2.12 2.88 4.13 1.47 2.28 3.16 1.7 2.14 2.42 2.72 2.72 0.964 0.478 0.591 0.515 0.629 0.133 0.411 0.169 0.176 0.241 0.195 0.251 0.268 0.173 0.122 0.033 -0.014 0.008 0.097 0.156 0 0 0 0
Capital Expenditure Coverage Ratio 7.6 7.6 7.35 11.87 11.36 9.45 3.78 8.29 6.82 12.75 5.98 8.18 9.2 8.5 6.73 8.81 10.47 8.27 8.87 9.04 10.46 13.23 12.36 2.49 12.95 6.2 6.91 9.02 5.12 15.07 11.28 8.8 5.45 1.44 -1.86 0.62 6.38 6.21 0 0 0 0
EBIT Per Revenue 0.171 0.206 0.174 0.156 0.172 0.241 0.112 0.179 0.188 0.19 0.21 0.231 0.256 0.227 0.191 0.215 0.199 0.108 0.112 0.181 0.183 0.18 0.17 0.164 0.157 0.071 0.165 0.162 0.153 0.155 0.164 0.138 0.132 0.164 0.029 0.029 0.03 0.061 0 0 0 0
EBITDA Per Revenue 0.188 0.206 0.196 0.181 0.202 0.279 0.152 0.204 0.218 0.224 0.238 0.261 0.285 0.256 0.22 0.244 0.229 0.149 0.134 0.201 0.205 0.203 0.196 0.19 0.196 0.124 0.182 0.162 0.142 0.165 0.18 0.161 0.159 0.193 0.053 0.059 0.055 0.074 None None None None
Days of Sales Outstanding 0 0 0 0 0 22.18 28.56 440.2 491.3 30.04 30.75 32.1 27.14 35.72 38.64 41.35 43.23 79.37 59.46 35.54 30.04 34.12 523.9 441.2 446 476.8 470.9 454 424 447.5 460.6 458.8 438.2 0 0 0 0 0 0 0 0 0
Days of Inventory Outstanding 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Days of Payables Outstanding 397.7 179.5 377.1 406.5 895.6 -28,379 504.8 660.7 710.6 1,098 1,094 1,195 1,100 1,022 927.4 1,112 764 439.9 328.9 358.4 583.8 627.3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Cash Conversion Cycle -397.7 -179.5 -377.1 -406.5 -895.6 28,401 -476.3 -220.6 -219.3 -1,068 -1,064 -1,163 -1,072 -986.6 -888.8 -1,071 -720.7 -360.5 -269.4 -322.9 -553.8 -593.1 523.9 441.2 446 476.8 470.9 454 424 447.5 460.6 458.8 438.2 0 0 0 0 0 0 0 0 0
Cash Conversion Ratio 1.7 1.71 1.39 2.22 2.81 1.82 1.78 2.02 1.29 4.93 1.53 2.13 1.87 1.59 1.58 2.12 2.29 3 3.21 2.11 2.43 2.19 2.65 0.85 3.25 4.06 2.26 2.98 2.06 2.6 2.6 1.95 1.28 0.279 -2.3 0.516 25.33 5.16 0 0 0 0
Free Cash Flow to Earnings 1.48 1.49 1.2 2.03 2.56 1.62 1.31 1.77 1.1 4.54 1.27 1.87 1.66 1.41 1.35 1.88 2.07 2.63 2.85 1.88 2.2 2.03 2.44 0.508 3 3.41 1.93 2.65 1.66 2.42 2.37 1.73 1.05 0.086 -3.54 -0.316 21.35 4.33 0 0 0 0
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Discounting Cash Flows

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