American Express Company (AXP) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-02, American Express Company (NYSE: AXP) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $319.11 (-1.42% 1D, market cap $217.06B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, AXP ranks #168 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), AXP carries a Roarable C+ (68/100 RQD), trailing P/E of 20.0x, gross margin of —, and ROIC of 9.5%. By comparison, SPGI (S&P Global Inc.) holds a B grade (73/100 RQD, P/E 29.9x, ROIC 12.2%, cap $133.55B) and MCO (Moody's Corporation) posts a B grade (73/100 RQD, P/E 34.3x, ROIC 30.6%, cap $84.27B). Among the 5-stock peer group, AXP leads on earnings multiple (20.0x) while MCO leads on capital efficiency (30.6% ROIC).
Per AXP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000004962), American Express Company generated $41.30B in revenue (+6.4% YoY), $10.83B in net income, and $16.00B in free cash flow against $300.05B in total assets and $119.96B in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 38.7% FCF Margin ($16.00B FCF) & 52% Gross Margin
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Macro rate sensitivity & RSI-14 (58) create a -12 pt regime headwind
Even with a 68/100 (C+) score, AXP faces multiple-compression risk if 20.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($316.68) or 200D SMA ($325.70) invalidates the momentum regime and cuts Target Base ($333.47) toward Bear Floor ($260.11).
American Express Company (AXP) slipped -1.42% to $319.11, trading at 29% of its 52-week range ($290.97 – $387.49). Solid steady margins (10% return on capital), mixed timing at 20x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Barchart.com report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Airbnb swings wildly quarter to quarter, while Chewy climbs steadily—but which pattern better serves investor returns?
American Express has added a new redemption option to certain Amex cash-back cards, allowing direct deposits into eligible American Express bank accounts.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on AXP today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for AXP. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, American Express Company (AXP) ranks #168 by composite RQD confidence (68/100, grade C+) and #11 by equity capitalization ($217.06B). Within this direct 5-issuer industry benchmark cohort, AXP leads on earnings valuation at 20.0x trailing P/E, while MCO leads on capital efficiency and profitability with 30.6% ROIC and — gross margin. SPGI currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with AXP at 68/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| AXP
ACTIVE
American Express Company | C+ | 68/100 | 20.0x | — | 9.5% | -1.42% | $217.06B | Benchmark Subject |
| SPGI S&P Global Inc. | B | 73/100 | 29.9x | — | 12.2% | +1.28% | $133.55B | /spgi-vs-axp → |
| MCO Moody's Corporation | B | 73/100 | 34.3x | — | 30.6% | +1.04% | $84.27B | /mco-vs-axp → |
| NU Nu Holdings Ltd. (Class A) | D+ | 52/100 | 32.8x | — | 9.9% | -3.65% | $58.51B | /nu-vs-axp → |
| RKT Rocket Companies Inc. | E | 34/100 | — | — | -0.2% | +7.38% | $33.75B | /rkt-vs-axp → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), American Express Company (AXP) reported GAAP revenue of $41.30B (+6.4% vs. FY2024 revenue of $38.83B , and +11.0% cumulative change since FY2023) , GAAP net income of $10.83B, operating cash flow of $18.43B, and free cash flow of $16.00B (+31.8% YoY). On the balance sheet, AXP closed FY2025 with $300.05B in total assets against $119.96B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $41.30B | $10.83B | $18.43B | $16.00B | $300.05B | $119.96B |
| FY2024 (FY) | 2024-12-31 | $38.83B | $10.13B | $14.05B | $12.14B | $271.46B | $108.54B |
| FY2023 (FY) | 2023-12-31 | $37.22B | $8.37B | $18.56B | $16.88B | $119.39B | $27.94B |
As of 2026-11-02, American Express Company (NYSE: AXP) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $319.11 (-1.42% 1D, market cap $217.06B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, AXP ranks #168 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), AXP carries a Roarable C+ (68/100 RQD), trailing P/E of 20.0x, gross margin of —, and ROIC of 9.5%. By comparison, SPGI (S&P Global Inc.) holds a B grade (73/100 RQD, P/E 29.9x, ROIC 12.2%, cap $133.55B) and MCO (Moody's Corporation) posts a B grade (73/100 RQD, P/E 34.3x, ROIC 30.6%, cap $84.27B). Among the 5-stock peer group, AXP leads on earnings multiple (20.0x) while MCO leads on capital efficiency (30.6% ROIC).
Per AXP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000004962), American Express Company generated $41.30B in revenue (+6.4% YoY), $10.83B in net income, and $16.00B in free cash flow against $300.05B in total assets and $119.96B in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
AXP last traded at $319.11 (-1.42% on volume of 2,565,345 shares), positioning the stock +0.77% above its 50-day simple moving average ($316.68) and -2.02% below its 200-day simple moving average ($325.70). Across its 52-week range of $290.97 to $387.49, AXP sits at the 29.2% percentile with a 14-day RSI of 58.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.4% ($305.07 to $333.15).
Why AXP Stock slipped -1.42% Today — RQD Quant Desk Flash. Solid steady margins (10% return on capital), mixed timing at 20x P/E—hold if owned, no rush to chase.
Per the Roarable RQD rating, American Express Company (AXP) scores 68 out of 100 with a letter grade of C+ and a verdict label of "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are:
Taken together, the rating reads as a balanced profile: cash generation and balance sheet quality support the case, while macro fit and institutional flow temper it. The "Watch for Breakout" label indicates the rating sees the stock near a neutral midpoint rather than at a clear directional extreme. This is an analytical summary, not personalized advice.
Real-time company headlines, analyst actions, and sector developments for American Express Company (AXP) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Barchart.com report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.
Welcome to the AXP (American Express Company) Roar Pit. Current RQD Composite is 68/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on AXP, but look at what you are paying: 20.0x trailing P/E with tightening sector spreads. Unless American Express Company expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on AXP, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $323.71 (52-wk range $290.97 - $387.49), any beat on forward guidance forces shorts and underweight funds to chase.
To protect compute speed and zero-delay Cboe BZX data quality for active members, our current $9.95/month Roarable Pro cohort is 100% full. Join the priority waiting list below and we will notify you the moment the next batch of Pro accounts opens (and lock in your $9.95/mo rate).
Link your personal ChatGPT, Claude Desktop, or Cursor via Roarable's Model Context Protocol (`mcp.roarable.com`) to query all 5,289 stocks, inspect Butterfly supply chains, and trade your `$100K Arena` account.
Interrogate SEC 10-K/10-Q filings on demand and ask custom ticker, valuation, or short-thesis questions directly to any of our 8 specialized AI Quant Analysts.
Command our AI agents to sort and sift 5,289 stocks by custom formulas, follow multi-indicator technical & cash-flow setups, and send you instant Email/SMS breakout & downgrade alerts.
Unlock sub-second Cboe BZX streaming quotes, pre-market/after-hours delta scanners, instant SEC Form 4 insider cluster alerts, and unlimited portfolio stress-testing.
All 8 Roarable Analysts (Mara Quenwick, Devon Kess, Gideon Vane, Eliott Vance, Sorel Thorne, Corin Hale, Tessa Rane, and Felix Orven) are proprietary AI Quant Analysts and automated algorithmic specialists — not human financial advisors, fiduciaries, or registered broker-dealers. While one-to-many daily stock ratings and briefings are free, custom 1-on-1 Q&A, custom AI sifting/indicator alert agents, and personal ChatGPT/Claude MCP connections consume dedicated per-user compute and require a $9.95/month Roarable Pro membership. All AI outputs are for educational and research purposes only and never constitute individualized investment advice.
Enter your Google email below for instant 1-step account activation, daily A–E stock rating alerts, and immediate access to your $100,000.00 Virtual Cash Arena account (100% free — no credit card required).