American Express Company
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from American Express Company's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales and profit both grew in each of the last 3 years. Steadier than 94% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 94% of Financial Services companies in United States.
Growth Efficiency Ratio
$17Sales grew 37% in 3 years; of every extra $100 of sales, $17 became extra profit.
Lower than 58% of Financial Services companies in United States.
Asset Productivity Ratio
+37% / +31%In 3 years sales changed by +37% while total assets changed by +31%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
98%Of every $100 the company owns, $98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 57% of Financial Services companies in United States.
Tangible Net Worth Ratio
85%Of every $100 of net worth, $85 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 53% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
American Express Company owes $0.89 for every $1 it owns. Net profit rose 7% in the year to Dec 2025, and grew 13% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
19.7Investors pay $19.7 for every $1 of American Express Company's yearly profit, higher than 75% of Financial Services companies in United States.
P/B ratio
6.41The share price is 6.41 times American Express Company's book value per share, higher than 95% of Financial Services companies in United States.
Market cap
$219.6 BThe total market value of all of American Express Company's shares at today's price (share price × number of shares), larger than almost all Financial Services companies in United States. PosiCap size class: Tito Cap.
Net worth (book value)
$34.3 BWhat American Express Company would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$50.76Net worth divided by the number of shares. The share price of $325.17 is 6.4 times this, which is the P/B above.
Return on equity (ROE)
34.4%American Express Company earned 34.4% on its shareholders' money over the last year, higher than 95% of Financial Services companies in United States.
Owes vs Owns
0.89×American Express Company owes $0.89 for every $1 it owns (high), higher than 72% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.17%American Express Company pays 1.17% of its share price as dividends a year, lower than 87% of dividend-paying Financial Services companies in United States.
Revenue growth
+10%Revenue rose 10% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Profit growth
+7%Net profit rose 7% in the year to Dec 2025, and grew 13% a year on average over 3 years.
Profit margin
15.0%American Express Company keeps $15 of every $100 of revenue as net profit.
Questions
What is American Express Company's P/E ratio?
Investors pay $19.7 for every $1 of American Express Company's yearly profit, higher than 75% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For American Express Company: $219.6 B ÷ $34.3 B (30 Jun 2026) = 6.4.
What is American Express Company's return on equity?
American Express Company earned 34.4% on its shareholders' money over the last year, higher than 95% of Financial Services companies in United States.
How much does American Express Company owe compared with what it owns?
American Express Company owes $0.89 for every $1 it owns (high), higher than 72% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does American Express Company pay a dividend?
Yes. American Express Company pays 1.17% of its share price as dividends a year, lower than 87% of dividend-paying Financial Services companies in United States.
Is American Express Company's revenue growing?
Revenue rose 10% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.