American Express

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

                    Revenue
                    FY2025
                
$25.6B
                    3y CAGR +26.5%
                    
                    P83
                    
                    +7.6%
                    
                    Net income
                    FY2025
                
$10.8B
                    Net margin +42.3%
                    
                    P88
                    
                    +7.0%
                    
                    Total assets
                    FY2025
                
$300.1B
                    ROA +3.6%
                    
                    P60
                    
                    +10.5%
                    
                    Operating cash flow
                    FY2025
                
$18.4B
                    FCF margin +62.5%
                    
                    P91
                    
                    +31.2%

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

16 accounts · 10 years

Total assets $300.1B

Total liabilities $266.6B

Shareholders equity $33.5B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash and Cash Equivalents	15.9%	15.0%	17.8%	14.9%	11.7%	17.3%	12.3%	14.5%	18.1%	15.1%
Property,Plant and Equipment	2.0%	2.0%	2.0%	2.3%	2.6%	2.6%	2.4%	2.3%	2.4%	2.8%
Other Assets	8.4%	8.3%	8.2%	9.8%	10.5%	9.3%	7.2%	9.1%	8.6%	10.3%
Total Assets	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
Liabilities
Deposits	50.8%	51.4%	49.5%	48.4%	44.6%	45.5%	37.0%	37.1%	35.6%	33.4%
Short Term Borrowings	0.5%	0.5%	0.5%	0.6%	1.2%	1.0%	3.2%	1.6%	1.8%	3.5%
Long Term Debt	18.8%	18.3%	18.3%	18.7%	20.5%	22.5%	29.2%	31.0%	30.8%	29.6%
Other Liabilities	18.8%	18.7%	21.0%	21.7%	21.7%	19.2%	19.0%	18.5%	21.7%	20.6%
Total Liabilities	88.8%	88.9%	89.3%	89.3%	88.0%	88.2%	88.4%	88.2%	89.9%	87.1%
Equity
Total Stockholders Equity	11.2%	11.1%	10.7%	10.8%	11.7%	12.0%	11.6%	11.8%	10.1%	12.9%
Common Stock	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
Retained Earnings	8.5%	8.2%	7.5%	7.1%	7.1%	7.2%	7.0%	6.6%	4.6%	6.5%
Accumulated Other Comprehensive Income	-1.1%	-1.3%	-1.2%	-1.4%	-1.6%	-1.5%	-1.4%	-1.4%	-1.3%	-1.8%
Preferred Stock	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Additional Paid In Capital	3.7%	4.2%	4.4%	5.0%	6.1%	6.2%	5.9%	6.5%	6.7%	8.0%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%	100.2%	99.8%	100.2%	100.0%	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

11 accounts · 10 years

Revenue $25.6B

Operating income Not reported

Net income $10.8B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
IncomeStatement
Interest Income Total Interest Income	8.5%	8.8%	7.7%	5.6%	4.8%	5.3%	6.1%	5.6%	4.7%	4.7%
Interest Expense Interest Expense	2.7%	3.0%	2.6%	1.2%	0.7%	1.1%	1.7%	1.6%	1.2%	1.1%
net Interest Income net Interest Income	5.8%	5.7%	5.0%	4.3%	4.1%	4.2%	4.3%	4.1%	3.6%	3.6%
Noninterest Income Total Noninterest Income	18.3%	18.6%	18.1%	18.8%	18.3%	14.7%	17.6%	17.3%	14.9%	16.6%
Expenses Noninterest Expense	17.7%	17.6%	17.3%	18.0%	17.5%	14.2%	15.9%	15.3%	12.9%	13.8%
Income Tax Income Tax Expense	1.0%	1.0%	0.8%	0.9%	1.4%	0.6%	0.8%	0.6%	2.6%	1.7%
net Income Other Items Below Tax	-1.8%	-1.9%	-1.9%	-1.0%	0.8%	-2.5%	-1.8%	-1.8%	—	—
net Income net Income	3.6%	3.7%	3.2%	3.3%	4.3%	1.6%	3.4%	3.7%	1.5%	3.4%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—
Earnings Per Share Weighted Average Shares Diluted	0.2%	0.3%	0.3%	0.3%	0.4%	0.4%	0.4%	0.5%	0.5%	0.6%

Cash Flow Statement

Operating, investing, and financing flows

14 accounts · 10 years

Operating cash flow $18.4B

Investing cash flow $-22.9B

Financing cash flow $11.2B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
CashFlow
Operating Activities net Cash From Operating Activities	6.1%	5.2%	7.1%	9.2%	7.7%	2.9%	6.9%	4.7%	7.5%	5.2%
Operating Activities net Income	3.6%	3.7%	3.2%	3.3%	4.3%	1.6%	3.4%	3.7%	1.5%	3.4%
Operating Activities Depreciation and Amortization	0.6%	0.6%	0.6%	0.7%	0.9%	0.8%	0.6%	0.7%	0.7%	0.7%
Operating Activities Stock Based Compensation	0.2%	0.2%	0.2%	0.2%	0.2%	0.1%	0.1%	0.2%	0.2%	0.2%
Operating Activities Other Non Cash Items	1.8%	0.6%	3.1%	5.1%	2.4%	0.3%	2.7%	0.2%	5.1%	0.9%
Investing Activities net Cash From Investing Activities	-7.6%	-9.0%	-9.4%	-14.8%	-5.6%	6.1%	-8.4%	-10.4%	-10.1%	1.2%
Investing Activities Capital Expenditures	-0.8%	-0.7%	-0.6%	-0.8%	-0.8%	-0.8%	-0.8%	-0.7%	-0.6%	-0.9%
Investing Activities Other Investing Activities	-6.8%	-8.3%	-8.8%	-14.0%	-4.8%	6.9%	-7.6%	-9.7%	-9.5%	2.0%
Financing Activities net Cash From Financing Activities	3.7%	1.6%	7.0%	10.7%	-7.9%	-4.7%	-0.3%	2.7%	6.8%	-4.7%
Financing Activities Dividends Paid	-0.8%	-0.7%	-0.7%	-0.7%	-0.8%	-0.8%	-0.7%	-0.7%	-0.7%	-0.8%
Financing Activities Repurchase of Common Stock	-1.9%	-2.2%	-1.4%	-1.5%	-4.0%	-0.5%	-2.4%	-0.9%	-2.4%	-2.8%
Financing Activities Other Financing Activities	6.4%	4.6%	9.1%	13.0%	-3.1%	-3.4%	2.8%	4.3%	9.9%	-1.2%
Cash Reconciliation Effect of Exchange Rate On Cash	0.1%	-0.0%	0.1%	-0.0%	-0.1%	0.2%	0.1%	0.1%	0.1%	-0.1%
Cash Reconciliation net Change In Cash	2.4%	-2.2%	4.9%	5.2%	-5.8%	4.5%	-1.7%	-2.9%	4.3%	1.5%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 10 years

Ratio	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Profitability
Gross margin	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—
Net margin	+42.3%	+42.6%	+41.9%	+59.4%	+89.2%	+31.1%	+55.9%	+65.3%	+32.0%	+72.3%
FCF margin	+62.5%	+51.0%	+85.1%	+151.9%	+145.0%	+40.8%	+99.2%	+71.8%	+145.9%	+91.6%
Growth
Revenue CAGR (3y)	+26.5%	+38.1%	+25.6%	+1.6%	-5.2%	+5.6%	+17.4%	+12.0%	+6.0%	+2.2%
Returns
ROE	+32.4%	+33.5%	+29.8%	+30.4%	+36.3%	+13.6%	+29.3%	+31.0%	+15.0%	+26.4%
ROA	+3.6%	+3.7%	+3.2%	+3.3%	+4.3%	+1.6%	+3.4%	+3.7%	+1.5%	+3.4%
ROIC	—	—	—	—	—	—	—	—	—	—
Liquidity
Current ratio	—	—	—	—	—	—	—	—	—	—
Quick ratio	—	—	—	—	—	—	—	—	—	—
Leverage
D/E	7.96x	7.97x	8.31x	8.24x	7.50x	7.33x	7.60x	7.46x	8.92x	6.75x
Interest coverage	—	—	—	—	—	—	—	—	—	—
Efficiency
Asset turnover	0.09x	0.09x	0.08x	0.06x	0.05x	0.05x	0.06x	0.06x	0.05x	0.05x
Cash conversion cycle	—	—	—	—	—	—	—	—	—	—

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American Express

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