American Express

Financials Consumer Finance New York City, New York Last filing Feb 6, 2026 · FY2025

                    Revenue
                    FY2025
                
$25.6B
                    3y CAGR +26.5%
                    
                    P80
                    
                    n/a
                    
                    Net income
                    FY2025
                
$10.8B
                    Net margin +42.3%
                    
                    P88
                    
                    n/a
                    
                    Total assets
                    FY2025
                
$300.1B
                    ROA +3.6%
                    
                    P60
                    
                    n/a
                    
                    Operating cash flow
                    FY2025
                
$18.4B
                    FCF margin +62.5%
                    
                    P79
                    
                    n/a

19 yrs · FY2007–FY2025 8 filed · 0 derived · 1 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s total assets.

Balance Sheet

Assets, liabilities, and equity

25 accounts · 1 year

Total assets $300.1B

Total liabilities $266.6B

Shareholders equity $33.5B

Account	2025	Trend
Assets
Cash and Cash Equivalents	15.9%
Short Term Investments	0.2%
Accounts Receivable	0.0%
Property,Plant and Equipment	2.0%
Goodwill	0.2%
Intangible Assets	0.0%
Long Term Investments	0.2%
Other Noncurrent Assets	8.1%
Total Assets	100.0%
Liabilities
Accounts Payable	4.9%
Accrued Liabilities	0.0%
Current Portion of Long Term Debt	0.5%
Other Current Liabilities	13.9%
Total Current Liabilities	88.8%
Long Term Debt	18.8%
Other Noncurrent Liabilities	13.9%
Total Liabilities	88.8%
Equity
Preferred Stock	0.0%
Common Stock	0.0%
Additional Paid In Capital	3.7%
Retained Earnings	8.5%
Treasury Stock	1.8%
Accumulated Other Comprehensive Income	-1.1%
Total Stockholders Equity	11.2%
Total Liabilitiesand Equity	100.0%

Income Statement

Revenue, expense, and profitability

16 accounts · 1 year

Revenue $25.6B

Operating income Not reported

Net income $10.8B

Account	2025	Trend
IncomeStatement
Revenues Total Revenue	8.5%
Expenses Selling,General and Administrative	0.0%
Expenses Depreciation and Amortization	0.0%
Expenses Share Based Compensation	0.2%
Expenses Restructuring and Asset Impairment	0.0%
Expenses Operating Expenses	0.1%
Other Income Expense Interest Income	8.5%
Other Income Expense Other Income/expense	0.1%
Other Income Expense Income Before Tax	4.6%
Income Tax Income Tax Expense	1.0%
net Income net Income	3.6%
net Income Comprehensive Income	3.6%
Earnings Per Share Basic Eps	0.0%
Earnings Per Share Diluted Eps	0.0%
Earnings Per Share Weighted Average Shares Basic	0.2%
Earnings Per Share Weighted Average Shares Diluted	0.2%

Cash Flow Statement

Operating, investing, and financing flows

21 accounts · 1 year

Operating cash flow $18.4B

Investing cash flow $-22.9B

Financing cash flow $11.2B

Account	2025	Trend
CashFlow
Operating Activities net Income	3.6%
Operating Activities Depreciation and Amortization	0.0%
Operating Activities Stock Based Compensation	0.2%
Operating Activities Deferred Income Taxes	-0.2%
Operating Activities Changes In Operating Assets and Liabilities	0.0%
Operating Activities net Cash From Operating Activities	6.1%
Investing Activities Capital Expenditures	0.8%
Investing Activities Business Acquisitions	0.2%
Investing Activities Purchases of Investments	0.6%
Investing Activities Proceeds From Sale of Investments	0.5%
Investing Activities net Cash From Investing Activities	-7.6%
Financing Activities Proceeds From Debt	8.1%
Financing Activities Repayment of Debt	6.1%
Financing Activities Repurchase of Common Stock	1.9%
Financing Activities Dividends Paid	0.8%
Financing Activities Proceeds From Stock Issuance	0.0%
Financing Activities net Cash From Financing Activities	3.7%
Cash Reconciliation Effect of Exchange Rate On Cash	0.1%
Cash Reconciliation net Change In Cash	2.4%
Cash Reconciliation Cash At Beginning of Period	15.9%
Cash Reconciliation Cash At End of Period	15.9%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 1 year

Ratio	2025
Profitability
Gross margin	—
Operating margin	—
Net margin	+42.3%
FCF margin	+62.5%
Growth
Revenue CAGR (3y)	+26.5%
Returns
ROE	+32.4%
ROA	+3.6%
ROIC	—
Liquidity
Current ratio	—
Quick ratio	0.18x
Leverage
D/E	7.96x
Interest coverage	—
Efficiency
Asset turnover	0.09x
Cash conversion cycle	—

Valuation

Price against fundamentals

FY2025 fundamentals · no price

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American Express

Assets, liabilities, and equity

Revenue, expense, and profitability

Operating, investing, and financing flows

Margins, returns, liquidity, leverage, efficiency

Price against fundamentals

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