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 revenue.

Balance Sheet

Assets, liabilities, and equity

16 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%
Property,Plant and Equipment	23.9%	22.6%	25.7%	41.2%	55.2%
Other Assets	98.9%	94.2%	106.6%	175.9%	219.6%
Total Assets	1172.2%	1140.8%	1306.7%	1801.2%	2092.3%
Liabilities
Deposits	595.7%	585.9%	646.3%	870.9%	934.2%
Short Term Borrowings	5.4%	5.8%	6.5%	10.6%	24.8%
Long Term Debt	220.3%	208.9%	239.5%	336.3%	428.2%
Other Liabilities	220.1%	213.0%	274.0%	390.9%	454.7%
Total Liabilities	1041.4%	1013.6%	1166.2%	1608.8%	1841.8%
Equity
Total Stockholders Equity	130.8%	127.2%	140.4%	195.2%	245.5%
Common Stock	0.5%	0.6%	0.7%	1.2%	1.7%
Retained Earnings	99.6%	93.1%	98.1%	128.6%	149.2%
Accumulated Other Comprehensive Income	-12.8%	-14.3%	-15.4%	-25.4%	-32.6%
Preferred Stock	0.0%	0.0%	0.0%	0.0%	0.0%
Additional Paid In Capital	43.5%	47.8%	56.9%	90.8%	127.3%
Total Liabilitiesand Equity	1172.2%	1140.8%	1306.7%	1804.0%	2087.3%

Income Statement

Revenue, expense, and profitability

11 accounts · 5 years

Revenue $25.6B

Operating income Not reported

Net income $10.8B

Account	2025	2024	2023	2022	2021
IncomeStatement
Interest Income Total Interest Income	100.0%	100.0%	100.0%	100.0%	100.0%
Interest Expense Interest Expense	32.2%	34.7%	34.3%	21.8%	14.2%
net Interest Income net Interest Income	67.8%	65.3%	65.7%	78.2%	85.8%
Noninterest Income Total Noninterest Income	214.3%	211.8%	237.1%	339.4%	383.4%
Expenses Noninterest Expense	207.7%	201.2%	225.6%	324.7%	366.5%
Income Tax Income Tax Expense	11.6%	11.6%	10.7%	16.4%	29.1%
net Income Other Items Below Tax	-20.5%	-21.8%	-24.6%	-17.2%	15.7%
net Income net Income	42.3%	42.6%	41.9%	59.4%	89.2%
Earnings Per Share Diluted Eps	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%
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

14 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 Cash From Operating Activities	72.0%	59.0%	92.9%	166.5%	162.1%
Operating Activities net Income	42.3%	42.6%	41.9%	59.4%	89.2%
Operating Activities Depreciation and Amortization	6.9%	7.0%	8.3%	12.8%	18.8%
Operating Activities Stock Based Compensation	2.2%	2.1%	2.3%	3.0%	3.7%
Operating Activities Other Non Cash Items	20.6%	7.3%	40.5%	91.4%	50.5%
Investing Activities net Cash From Investing Activities	-89.4%	-102.6%	-122.3%	-266.1%	-116.6%
Investing Activities Capital Expenditures	-9.5%	-8.0%	-7.8%	-14.7%	-17.2%
Investing Activities Other Investing Activities	-80.0%	-94.5%	-114.4%	-251.5%	-99.4%
Financing Activities net Cash From Financing Activities	43.8%	18.6%	92.0%	193.6%	-165.3%
Financing Activities Dividends Paid	-8.9%	-8.4%	-8.9%	-12.4%	-16.0%
Financing Activities Repurchase of Common Stock	-22.7%	-25.3%	-18.3%	-27.7%	-84.7%
Financing Activities Other Financing Activities	75.4%	52.3%	119.1%	233.7%	-64.6%
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%

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	—	—	—	—	—
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	—	—	—	—	—

Valuation

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FY2025 fundamentals · no price

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American Express

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