Revenue segments as reported by the company.

Non-interest revenues

Interest income

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Interest expense

Provisions for credit losses

Marketing and business development

Card Member rewards

Card Member services

Salaries and employee benefits

Other expenses

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

American Express

American Express Co. engages in the provision of charge and credit card products and travel-related services. It operates through the following segments: U.S Consumer Services (USCS), Commercial Services (CS), International Card Services (ICS), Global Merchant and Network Services (GMNS), and Corporate and Other. The USCS segment issues a wide range of proprietary consumer cards to U.S consumers. The CS segment offers proprietary corporate and small business cards and provides services to U.S. businesses, including payment and expense management, banking and non-card financing products. The ICS segment focuses on a range of proprietary consumer, small business and corporate cards outside the United States. It also provides services to international customers, including travel and lifestyle services, and manages certain international joint ventures and loyalty coalition businesses. The GMNS segment operates a global payments network that processes and settles card transactions, acquires merchants, and provides multi-channel marketing programs and capabilities, services, and data analytics. The Corporate and Other segment covers corporate functions and certain other businesses and operations. The company was founded by Henry Wells, William G. Fargo, and John Warren Butterfield on March 28, 1850 and is headquartered in New York, NY.

Earnings data Q1 2021

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Earnings data Q4 2021

Earnings data Q1 2022

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Earnings data Q1 2023

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Earnings data Q1 2024

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Earnings data Q4 2024

American Express exceeds revenue targets, eyes growth through innovation

American Express (AXP) delivered strong financial performance in Q4 2022, exceeding revenue and EPS guidance. The company focuses on innovation, marketing, and risk management to drive growth in 2023. AXP's revenue growth was driven by discount revenue, net card fee revenues, and net interest income.
Despite challenges such as increased operating expenses and strong competition, AXP's strategic focus on premium customers and efficiencies positions them well for future growth. The company's emphasis on customer retention, efficient marketing spend, and international growth presents opportunities for expansion amidst competitive pressures and potential macroeconomic fluctuations.

American Express reports record Q1 revenues and reaffirms strong outlook

American Express delivered a robust performance in Q1 2023, driven by strong revenue growth, resilient credit metrics, and strategic acquisitions, positioning the company for continued success.
While facing challenges such as evolving spending trends and competitive risks, the company's focus on customer value propositions and operational efficiency provides avenues for sustained growth and profitability.
Opportunities in expanding T&E spending, enhancing competitive positioning, and leveraging capital strength underscore American Express's potential for future growth and value creation.

American Express (AXP) reports record Q2 revenues and eyes global expansion

American Express (AXP) delivered strong financial performance in Q2 2023, driven by record revenues and strategic initiatives.
While facing challenges such as credit normalization and competitive pressures, AXP's focus on partnerships and customer segments positions it for growth.
Opportunities in expanding network partnerships, marketing investments, and revenue diversification pave the way for future success.

American Express (AXP) reports record Q3 revenues and strong growth outlook

American Express (AXP) reported strong Q3 results, showcasing consistent growth and performance across key metrics, including record revenues and earnings per share.
The company's focus on innovation, enhancing value propositions, and attracting premium Card Members positions it well for sustainable growth and value creation in the market.
While facing challenges in regulatory discussions and evolving consumer behaviors, American Express (AXP) remains optimistic about achieving full-year revenue and EPS growth in line with guidance.

American Express reports record revenues and strategic growth plans

American Express (AXP) delivered strong financial performance in 2023, with record revenues and net income. The company's focus on growth post-COVID and strategic partnerships position it well for the future.
While facing challenges in small business spending and potential regulatory changes, American Express remains resilient with a commitment to innovation and enhancing customer value propositions.
Opportunities lie in dividend increases, new business segments, and strategic card acquisition strategies, offering avenues for continued growth and shareholder value creation.

American Express (AXP) reports robust Q1 earnings and outlines growth strategies

American Express (AXP) showcased strong financial performance in Q1, driven by revenue and EPS growth, robust spending trends, and disciplined credit management. While facing challenges in SME spending and Goods & Services growth, the company remains focused on growth opportunities in international markets and premium consumer segments. AXP's strategic focus on showcasing growth strategies and financial performance at the Investor Day underscores its commitment to sustained growth and innovation.

American Express (AXP) reports record Q2 earnings and optimistic outlook

American Express (AXP) delivered exceptional Q2 results, raising EPS guidance and emphasizing growth drivers. Despite elevated marketing spend, they remain confident in their ability to meet expectations and drive long-term growth.

American Express (AXP) reports robust Q3 earnings and eyes dining market for growth

American Express (AXP) delivered strong financial results in Q3, raising full-year guidance and showcasing consistent revenue growth. The company's strategic product refreshes and focus on dining experiences position it well for future growth. While facing some cost challenges, Amex remains resilient with a strong credit performance.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

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Net PPE

Intangibles

Total liabilities

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Income tax payable

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Total equity

Stockholders equity

Minority interest

Total liabilities & equity

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Book value per share

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Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

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Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

American Express Co. is an integrated payments company, which engages in the provision of credit and charge cards to consumers, small businesses, mid-sized companies, and large corporations. It operates through the following segments: the United States Consumer Services (USCS), Commercial Services (CS), International Card Services (ICS), Global Merchant and Network Services (GMNS), and Corporate and Other. The USCS segment includes proprietary consumer cards and provides services to consumers including travel and lifestyle services as well as banking and non-card financing products. The CS segment offers proprietary corporate and small business cards and provides services to businesses including payment and expense management, banking, and non-card financing products. The ICS segment focuses on providing services to international customers including travel and lifestyle services and managing certain international joint ventures and loyalty coalition businesses. The GMNS segment is involved in operating a global payments network that processes and settles card transactions, acquires merchants, and provides multi-channel marketing programs and capabilities, services and data analytics. The Corporate and Other segment covers corporate functions and certain other businesses and operations. The company was founded by Henry Wells, William G. Fargo, and John Warren Butterfield on March 28, 1850 and is headquartered in New York, NY.

Besides Wall Street's top -and-bottom-line estimates for American Express (AXP), review projections for some of its key metrics to gain a deeper understanding of how the company might have fared during the quarter ended December 2023.

Unlocking Q4 Potential of American Express (AXP): Exploring Wall Street Estimates for Key Metrics

Mastercard

Visa

American Express's business model differs from the two largest payment networks. A recognized brand and network effects support the company's strong industry position.

3 Things You Need to Know Before Buying This Top Warren Buffett Stock

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While it is no secret that many stock investors look up to Warren Buffet as one of the most experienced in the field, the Berkshire Hathaway (NYSE: BRK.A) CEO is on the road toward making a massive profit – counting almost $2 billion – based on returns from just three dividend stocks in 2024.

Warren Buffett set to earn $2 billion from these 3 stocks

Between them, Coca-Cola, American Express, and Apple are expected to pay the conglomerate a total of $2 billion in dividends over the next year. Coca-Cola has increased its payouts for 62 consecutive years.

Warren Buffett Is Set to Make $2 Billion in Dividend Income in 2024 From Just 3 Stocks

Ally Financial

Ally's auto lending segment and consumer banking business are driving strong growth. American Express is capturing younger customers and benefitting from a resilient target market.

2 No-Brainer Dividend Stocks to Buy With $1,000 Right Now

The signs of resilient consumer spending run somewhat counter to persistent inflation.

American Express CEO says spending is strong, delinquencies are down from 2019

American Express (AXP) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

American Express (AXP) Earnings Expected to Grow: What to Know Ahead of Next Week's Release

American Express Company (NYSE:AXP, ETR:AEC1) is expected to report its seventh consecutive quarter of record revenue when it reports back for the fourth quarter ahead of the opening bell on Friday, January 16. After reporting record revenue of $15.4 billion in 3Q, analysts polled by Zacks Investment Research expect the payments company to do even better in 4Q, with consensus at $16.03  billion.

American Express likely to ring up record 4Q sales

American Express (AXP) streamlines operations with the sale of its wholly-owned subsidiary Accertify.

American Express (AXP) Announces Sale of Accertify to Accel-KKR

Apple's sales were down last fiscal year, but its services segment remains strong. American Express' top line has been up 16% through the first three quarters of 2023.

61% of Warren Buffett-Led Berkshire Hathaway's $360 Billion Portfolio Is Invested in These 3 Top Consumer Brands

Amazon

Diageo

Berkshire Hathaway's portfolio is filled with consumer stocks. These are types of companies that can grow for decades.

5 Warren Buffett Stocks to Hold Forever

American Express is a compounder, a stock that can grow at a higher-than-average rate for years and years. AXP has a high-moat business and is insulated from regulatory, monetary, and other risks. AXP has shown consistent growth in revenues and profits, has been buying back shares, and has outperformed the S&P 500.

American Express: A Potential 'Forever Hold'

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The Dow Jones Industrial Average is widely expected to continue to perform well in 2024. The index represents 30 of the most prominent U.S. firms that are considered to be the most important Equities within the New York Stock Exchange and the nasdaq.

7 Dow Stocks Poised to Shine in a Strong 2024 U.S. Economy

D.R. Horton

Fair Isaac

Intuitive Surgical

Logitech

Teledyne Technologies

Texas Instruments

This earnings season promises to be an interesting one. A lot is hinging on upcoming earnings, considering company reports set the stage for 2024 while acting as an official close to 2023's holiday shopping season.

Pre-Earnings Power Plays: 7 Stocks to Buy Before They Report Next Week

Improved billed business, card fees and strategic partnerships poise American Express (AXP) well for growth.

Here's Why You Should Buy American Express (AXP) Stock Now

Technology Leader in Fraud Prevention to Become Independent Entity Post-Closing MENLO PARK, Calif. and ITASCA, Ill.

Accel-KKR to Acquire Accertify from American Express

American Express, often grouped with Visa and Mastercard, is undervalued in the market due to the inaccurate comparisons with traditional banks due to its status as a bank holding company. The bank holding company status actually benefits American Express from diversified revenue streams, lower borrowing costs, and access to federal reserve funding. American Express reported robust results in its financial metrics like network volume, cards-in-force, and strong free cash flow compared to Visa and Mastercard.

American Express: Undervalued And Misjudged In The Banking Sector Comparison

Bank of America

Citigroup

Wells Fargo

The credit cycle, as well as the business cycle in the United States economy, is getting underway for a major pivot coming into 2024. Whether you are a long-term investor or enjoy dabbling in and out of markets in trading, this new cycle could bring you several potential opportunities for your money to be deployed.

Rising credit card delinquencies make these stocks your safer bet

Nu operates a digital banking platform in several Latin America countries. The company's popularity among its user base has led to risng revenue and consistent profits.

Visa, Mastercard, or American Express? Buy This Warren Buffett Fintech Stock Instead.

The Oracle of Omaha has been delivering outsized returns for Berkshire Hathaway's shareholders since becoming CEO nearly six decades ago. Portfolio concentration has been a key factor that's propelled Berkshire's outperformance.

71% of Warren Buffett's $358 Billion Portfolio Is Invested in Only 4 Stocks

Chevron

The company's products and services also comprise: Merchant acquisition and processing Servicing and settlement Point-of-sale marketing Information products and services for merchants Fraud prevention services and the design and operation of customer loyalty programs Berkshire Hathaway owns 151,610,700 shares, which is 20.8 % of American Express's float, and 8% of the portfolio.

5 Blue Chip Dividend Stocks Make Up a Massive 75% of Warren Buffett's Portfolio

Debit card users in nearly a dozen states have been granted the ability to pursue class-action claims against American Express.  This follows a Tuesday (Jan. 9) ruling by U.S. District Judge Nicholas Garaufis, Reuters reported Wednesday (Jan. 10).

American Express Faces Class-Action Lawsuit on Rules for Merchants

A U.S. judge on Tuesday said debit card users in nearly a dozen states may pursue class-action claims accusing American Express of driving up merchants' fees on transactions and causing consumers to pay hundreds of millions of dollars in overcharges.

Debit card users can sue American Express as a class over fees, judge rules

American Express Company (NYSE:AXP) continues to be on the watchlist for many investors. The ex-dividend date earlier in January was a key factor supporting the stock price.

Can American Express (AXP) sustain a $189 valuation ahead of Q4 earnings?

Goldman Sachs

American Express Co., Citigroup Inc. and Goldman Sachs Group Inc. marked the largest of six financial firms to draw downgrades at BMO Capital Markets on Wednesday.

News for American Express Stock (AXP)