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American Express (AXP)
NYSE:AXP
US Market

American Express (AXP) Ratios

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American Express Ratios

AXP's free cash flow for Q1 2025 was $0.90. For the 2025 fiscal year, AXP's free cash flow was decreased by $ and operating cash flow was $0.21. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
7.89 1.00 2.73 2.08 8.36
Quick Ratio
7.89 1.00 0.33 -3.89 -1.66
Cash Ratio
2.31 0.32 2.49 1.71 2.87
Solvency Ratio
0.05 0.04 0.26 0.24 0.21
Operating Cash Flow Ratio
0.81 0.13 1.56 1.16 0.49
Short-Term Operating Cash Flow Coverage
10.23 14.35 15.64 6.53 2.98
Net Current Asset Value
$ -104.09B$ -86.74B$ -166.16B$ -140.82B$ -72.30B
Leverage Ratios
Debt-to-Assets Ratio
0.19 0.19 0.19 0.22 0.24
Debt-to-Equity Ratio
1.69 1.75 1.76 1.86 1.96
Debt-to-Capital Ratio
0.63 0.64 0.64 0.65 0.66
Long-Term Debt-to-Capital Ratio
0.00 0.63 0.63 0.64 0.65
Financial Leverage Ratio
8.97 9.31 9.12 8.59 8.30
Debt Service Coverage Ratio
3.47 1.50 2.56 3.00 -0.29
Interest Coverage Ratio
4.38 1.57 4.47 8.33 2.05
Debt to Market Cap
<0.01 0.36 0.40 0.32 0.46
Interest Debt Per Share
83.34 76.20 62.27 53.59 58.51
Net Debt to EBITDA
0.30 0.18 0.83 1.48 0.00
Profitability Margins
Gross Profit Margin
56.89%51.23%61.95%64.24%67.42%
EBIT Margin
-2.26%18.82%20.73%27.14%-4.28%
EBITDA Margin
48.75%21.27%23.81%31.14%0.00%
Operating Profit Margin
48.75%15.97%23.36%25.22%11.90%
Pretax Profit Margin
17.38%15.60%18.13%25.22%11.90%
Net Profit Margin
13.65%12.43%14.21%19.02%8.69%
Continuous Operations Profit Margin
13.65%12.43%14.21%19.02%8.69%
Net Income Per EBT
78.55%79.65%78.39%75.40%72.97%
EBT Per EBIT
35.65%97.69%77.62%100.00%100.00%
Return on Assets (ROA)
3.73%3.21%3.30%4.26%1.64%
Return on Equity (ROE)
33.47%29.85%30.06%36.64%13.63%
Return on Capital Employed (ROCE)
14.23%9.42%5.76%6.06%2.39%
Return on Invested Capital (ROIC)
22.46%146.29%3.83%28.95%2.67%
Return on Tangible Assets
3.79%3.26%3.35%4.36%1.68%
Earnings Yield
4.79%6.08%6.77%6.24%3.22%
Efficiency Ratios
Receivables Turnover
1.25 1.12 0.00 15.70 0.83
Payables Turnover
2.07 1.97 1.66 1.43 1.24
Inventory Turnover
0.00 0.00 0.62 0.20 0.10
Fixed Asset Turnover
13.81 13.11 10.14 8.50 7.20
Asset Turnover
0.27 0.26 0.23 0.22 0.19
Working Capital Turnover Ratio
1.25 5.91 2.86 0.87 0.47
Cash Conversion Cycle
115.20 141.25 367.01 1.58K 3.71K
Days of Sales Outstanding
291.46 326.34 0.00 23.25 439.31
Days of Inventory Outstanding
0.00 0.00 587.19 1.81K 3.56K
Days of Payables Outstanding
176.25 185.09 220.17 254.70 293.19
Operating Cycle
291.46 326.34 587.19 1.83K 4.00K
Cash Flow Ratios
Operating Cash Flow Per Share
19.73 25.25 28.07 18.56 6.95
Free Cash Flow Per Share
17.05 23.12 25.60 16.60 5.11
CapEx Per Share
2.68 2.13 2.47 1.96 1.84
Free Cash Flow to Operating Cash Flow
0.86 0.92 0.91 0.89 0.74
Dividend Paid and CapEx Coverage Ratio
3.59 5.55 6.16 4.88 1.89
Capital Expenditure Coverage Ratio
7.35 11.87 11.36 9.45 3.78
Operating Cash Flow Coverage Ratio
0.28 0.38 0.48 0.36 0.12
Operating Cash Flow to Sales Ratio
0.19 0.28 0.40 0.35 0.15
Free Cash Flow Yield
5.74%12.34%17.33%10.14%4.23%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
20.86 16.44 14.77 16.01 31.05
Price-to-Sales (P/S) Ratio
2.85 2.04 2.10 3.05 2.70
Price-to-Book (P/B) Ratio
6.98 4.91 4.44 5.87 4.23
Price-to-Free Cash Flow (P/FCF) Ratio
17.41 8.10 5.77 9.86 23.66
Price-to-Operating Cash Flow Ratio
15.04 7.42 5.26 8.81 17.41
Price-to-Earnings Growth (PEG) Ratio
0.90 1.17 -8.23 0.10 -0.59
Price-to-Fair Value
6.98 4.91 4.44 5.87 4.23
Enterprise Value Multiple
6.14 9.79 9.65 11.26 0.00
EV to EBITDA
6.14 9.79 9.65 11.26 0.00
EV to Sales
2.99 2.08 2.30 3.51 3.03
EV to Free Cash Flow
18.30 8.26 6.32 11.34 26.62
EV to Operating Cash Flow
15.81 7.56 5.76 10.14 19.59
Tangible Book Value Per Share
36.45 32.80 28.05 22.81 23.46
Shareholders’ Equity Per Share
42.51 38.17 33.29 27.88 28.57
Tax and Other Ratios
Effective Tax Rate
0.21 0.20 0.22 0.25 0.27
Revenue Per Share
104.20 91.66 70.39 53.71 44.83
Net Income Per Share
14.23 11.39 10.01 10.22 3.89
Tax Burden
0.79 0.80 0.78 0.75 0.73
Interest Burden
-7.69 0.83 0.87 0.93 -2.78
Research & Development to Revenue
0.00 0.00 <0.01 <0.01 <0.01
SG&A to Revenue
0.11 0.12 0.14 0.15 0.16
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
1.39 2.22 2.81 1.82 1.78
Currency in USD
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