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
                    
                    +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%
                    
                    P79
                    
                    +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 revenue.

Balance Sheet

Assets, liabilities, and equity

25 accounts · 5 years

Total assets $300.1B

Total liabilities $266.6B

Shareholders equity $33.5B

Account	2025	2024	2023	2022	2021
Assets
Cash and Cash Equivalents	186.7%	170.8%	233.2%	267.9%	243.9%
Short Term Investments	2.9%	0.9%	0.8%	2.4%	2.1%
Accounts Receivable	0.0%	0.0%	0.0%	0.0%	0.0%
Property,Plant and Equipment	23.9%	22.6%	25.7%	41.2%	55.2%
Goodwill	2.3%	17.6%	19.3%	29.9%	42.1%
Intangible Assets	0.0%	0.5%	0.5%	1.2%	2.2%
Long Term Investments	2.9%	0.9%	0.8%	2.4%	2.1%
Other Noncurrent Assets	94.8%	89.0%	95.7%	139.7%	12.4%
Total Assets	1172.2%	1140.8%	1306.7%	1804.0%	2087.3%
Liabilities
Accounts Payable	57.4%	58.3%	65.6%	95.9%	117.1%
Accrued Liabilities	0.0%	11.2%	12.8%	20.0%	28.0%
Current Portion of Long Term Debt	5.4%	5.8%	6.5%	10.6%	24.8%
Other Current Liabilities	162.6%	154.7%	208.4%	295.1%	337.6%
Total Current Liabilities	1041.4%	1013.6%	1166.2%	1608.8%	1841.8%
Long Term Debt	220.3%	208.9%	239.5%	336.3%	428.2%
Other Noncurrent Liabilities	162.6%	154.7%	208.4%	295.1%	337.6%
Total Liabilities	1041.4%	1013.6%	1166.2%	1608.8%	1841.8%
Equity
Preferred Stock	0.0%	0.0%	0.0%	0.0%	0.0%
Common Stock	0.5%	0.6%	0.7%	1.2%	1.7%
Additional Paid In Capital	43.5%	47.8%	56.9%	90.8%	127.3%
Retained Earnings	99.6%	93.1%	98.1%	128.6%	149.2%
Treasury Stock	20.7%	24.6%	17.6%	26.3%	84.1%
Accumulated Other Comprehensive Income	-12.8%	-14.3%	-15.4%	-25.4%	-32.6%
Total Stockholders Equity	130.8%	127.2%	140.4%	195.2%	245.5%
Total Liabilitiesand Equity	1172.2%	1140.8%	1306.7%	1804.0%	2087.3%

Income Statement

Revenue, expense, and profitability

16 accounts · 5 years

Revenue $25.6B

Operating income Not reported

Net income $10.8B

Account	2025	2024	2023	2022	2021
IncomeStatement
Revenues Total Revenue	100.0%	100.0%	100.0%	100.0%	100.0%
Expenses Selling,General and Administrative	0.0%	0.0%	0.0%	0.0%	100.2%
Expenses Depreciation and Amortization	0.1%	0.2%	0.2%	0.4%	0.6%
Expenses Share Based Compensation	2.2%	2.1%	2.3%	3.0%	3.7%
Expenses Restructuring and Asset Impairment	0.4%	0.5%	0.9%	—	—
Expenses Operating Expenses	0.7%	0.8%	0.8%	1.5%	1.8%
Other Income Expense Interest Income	100.0%	100.0%	100.0%	100.0%	100.0%
Other Income Expense Other Income/expense	0.9%	2.4%	-3.3%	-2.9%	8.5%
Other Income Expense Income Before Tax	53.9%	54.2%	52.6%	75.7%	118.3%
Income Tax Income Tax Expense	11.6%	11.6%	10.7%	16.4%	29.1%
net Income net Income	42.3%	42.6%	41.9%	59.4%	89.2%
net Income Comprehensive Income	42.8%	41.2%	42.6%	57.3%	88.7%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	2.7%	3.0%	3.7%	5.9%	8.7%
Earnings Per Share Weighted Average Shares Diluted	2.7%	3.0%	3.7%	5.9%	8.7%

Cash Flow Statement

Operating, investing, and financing flows

21 accounts · 5 years

Operating cash flow $18.4B

Investing cash flow $-22.9B

Financing cash flow $11.2B

Account	2025	2024	2023	2022	2021
CashFlow
Operating Activities net Income	42.3%	42.6%	41.9%	59.4%	89.2%
Operating Activities Depreciation and Amortization	0.1%	0.2%	0.2%	0.4%	0.6%
Operating Activities Stock Based Compensation	2.2%	2.1%	2.3%	3.0%	3.7%
Operating Activities Deferred Income Taxes	-2.1%	-4.2%	-6.7%	-9.4%	3.3%
Operating Activities Changes In Operating Assets and Liabilities	0.0%	0.0%	0.0%	0.0%	0.0%
Operating Activities net Cash From Operating Activities	72.0%	59.0%	92.9%	166.5%	162.1%
Investing Activities Capital Expenditures	9.5%	8.0%	7.8%	14.7%	17.2%
Investing Activities Business Acquisitions	2.5%	1.9%	0.3%	0.1%	-0.0%
Investing Activities Purchases of Investments	6.9%	6.7%	7.9%	33.0%	16.8%
Investing Activities Proceeds From Sale of Investments	5.7%	9.2%	19.5%	14.9%	221.8%
Investing Activities net Cash From Investing Activities	-89.4%	-102.6%	-122.3%	-266.1%	-116.6%
Financing Activities Proceeds From Debt	95.2%	53.0%	78.4%	183.5%	86.2%
Financing Activities Repayment of Debt	70.9%	45.2%	53.6%	149.4%	129.1%
Financing Activities Repurchase of Common Stock	22.7%	25.3%	18.3%	27.7%	84.7%
Financing Activities Dividends Paid	8.9%	8.4%	8.9%	12.4%	16.0%
Financing Activities Proceeds From Stock Issuance	0.2%	0.4%	0.1%	0.4%	0.7%
Financing Activities net Cash From Financing Activities	43.8%	18.6%	92.0%	193.6%	-165.3%
Cash Reconciliation Effect of Exchange Rate On Cash	1.6%	-0.2%	0.9%	-0.1%	-1.3%
Cash Reconciliation net Change In Cash	27.9%	-25.0%	63.5%	93.9%	-121.1%
Cash Reconciliation Cash At Beginning of Period	186.7%	170.8%	233.2%	267.9%	243.9%
Cash Reconciliation Cash At End of Period	186.7%	170.8%	233.2%	267.9%	243.9%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	—	—	—	—	—
Operating margin	—	—	—	—	—
Net margin	+42.3%	+42.6%	+41.9%	+59.4%	+89.2%
FCF margin	+62.5%	+51.0%	+85.1%	+151.9%	+145.0%
Growth
Revenue CAGR (3y)	+26.5%	+38.1%	+25.6%	+1.6%	-5.2%
Returns
ROE	+32.4%	+33.5%	+29.8%	+30.4%	+36.3%
ROA	+3.6%	+3.7%	+3.2%	+3.3%	+4.3%
ROIC	—	—	—	—	—
Liquidity
Current ratio	—	—	—	—	—
Quick ratio	0.18x	0.17x	0.20x	0.17x	0.13x
Leverage
D/E	7.96x	7.97x	8.31x	8.24x	7.50x
Interest coverage	—	—	—	—	—
Efficiency
Asset turnover	0.09x	0.09x	0.08x	0.06x	0.05x
Cash conversion cycle	—	—	—	—	—

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American Express

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