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Market Price

71.35 

-0.57 -0.8%

as of Apr 02 '20

52 Week Range:

62.63 127.58


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

American Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide. The company operates through three segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. Its products and services include payment and financing products; network services; expense management products and services; and lifestyle services. The company's products and services also comprise merchant acquisition and processing, servicing and settlement, point-of-sale marketing, and information products and services for merchants; and fraud prevention services, as well as the design and operation of customer loyalty programs. It sells its products and services to consumers, small businesses, mid-sized companies, and large corporations through mobile and online applications, third-party vendors and business partners, direct mail, telephone, in-house sales teams, and direct response advertising. American Express Company was founded in 1850 and is headquartered in New York, New York.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 8.16
10.06
12.00
13.31
13.13
16.26
20.15
21.99
20.57
22.17
25.42
growth rate 23.3% 19.3% 10.9% -1.4% 23.8% 23.9% 9.1% -6.5% 7.8% 14.7%
Earnings BIT 2,840.00
5,960.00
6,960.00
6,450.00
9,086.00
9,202.00
8,747.00
growth rate 109.9% 16.8% -7.3% 12.1% 1.3% -4.9%
Avg.PE 26.25
12.72
11.61
12.95
2.56
2.56
2.56
12.95
26.76
11.13
13.90
growth rate -51.5% -8.7% 11.5% -80.2% 0.0% 0.0% 405.9% 106.6% -58.4% 24.9%
ROA 1.70
2.96
3.29
2.89
3.47
3.74
3.16
3.30
1.55
3.67
3.43
growth rate 74.1% 11.2% -12.2% 20.1% 7.8% -15.5% 4.4% -53.0% 136.8% -6.5%
ROE 16.23
26.15
28.18
23.53
27.68
29.07
24.49
25.67
13.60
33.50
29.24
growth rate 61.1% 7.8% -16.5% 17.6% 5.0% -15.8% 4.8% -47.0% 146.3% -12.7%
ROIC 4.88
6.84
7.36
7.17
8.31
8.65
growth rate 40.2% 7.6% -2.6% 15.9% 4.1%
Leverage 8.61
9.06
8.16
8.11
7.86
7.70
7.80
7.75
9.94
8.46
8.60
growth rate 5.2% -9.9% -0.6% -3.1% -2.0% 1.3% -0.6% 28.3% -14.9% 1.7%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 33,197.00
36,880.00
40,452.00
42,338.00
117,104.00
105,494.00
115,534.00
131,035.00
138,716.00
146,418.00
growth rate 11.1% 9.7% 4.7% 66.3% -9.9% 9.5% 13.4% 5.9% 5.6%
Acct.Payable 55,471.00
66,819.00
64,232.00
79,109.00
82,215.00
86,025.00
growth rate 20.5% -3.9% 23.2% 3.9% 4.6%
Cur.Assets 0.00
0.00
0.00
0.00
142,113.00
144,858.00
142,279.00
165,106.00
166,920.00
170,932.00
growth rate 1.9% -1.8% 16.0% 1.1% 2.4%
Total Assets 96,624.45
113,531.13
118,391.50
118,239.39
118,420.84
159,103.00
161,184.00
158,893.00
181,196.00
188,602.00
198,321.00
growth rate 17.5% 4.3% -0.1% 0.2% 34.4% 1.3% -1.4% 14.0% 4.1% 5.2%
Cash 9,678.27
12,396.07
19,219.89
17,179.23
15,045.14
22,084.00
22,721.00
25,093.00
32,879.00
27,381.00
23,845.00
growth rate 28.1% 55.1% -10.6% -12.4% 46.8% 2.9% 10.4% 31.0% -16.7% -12.9%
Inventory 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 0.00
0.00
0.00
0.00
67,602.00
79,622.00
78,317.00
93,323.00
89,637.00
97,643.00
growth rate 17.8% -1.6% 19.2% -4.0% 8.9%
Liabilities 85,501.58
100,999.95
103,880.65
103,657.51
103,367.98
138,430.00
140,511.00
138,392.00
162,935.00
166,312.00
175,250.00
growth rate 18.1% 2.9% -0.2% -0.3% 33.9% 1.5% -1.5% 17.7% 2.1% 5.4%
LT Debt 1,551.15
1,551.92
1,552.69
1,553.47
1,554.24
57,924.00
48,032.00
46,966.00
55,781.00
58,404.00
57,810.00
growth rate 0.1% 0.1% 0.1% 0.1% 3,626.8% -17.1% -2.2% 18.8% 4.7% -1.0%
Equity 11,122.87
12,531.18
14,510.85
14,581.88
15,052.86
20,673.00
20,673.00
20,501.00
18,261.00
22,290.00
23,071.00
growth rate 12.7% 15.8% 0.5% 3.2% 37.3% 0.0% -0.8% -10.9% 22.1% 3.5%
Common Shares 1,171.00
1,195.00
1,184.00
1,141.00
1,089.00
1,051.00
1,003.00
935.00
886.00
859.00
830.00
growth rate 2.1% -0.9% -3.6% -4.6% -3.5% -4.6% -6.8% -5.2% -3.1% -3.4%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 557.46
677.90
918.03
813.02
776.73
1,198.00
1,383.00
1,377.00
1,063.00
1,311.00
1,688.00
growth rate 21.6% 35.4% -11.4% -4.5% 54.2% 15.4% -0.4% -22.8% 23.3% 28.8%
Cash Dividends 713.42
669.41
664.78
696.43
725.00
1,041.00
1,172.00
1,207.00
1,251.00
1,324.00
1,422.00
growth rate -6.2% -0.7% 4.8% 4.1% 43.6% 12.6% 3.0% 3.7% 5.8% 7.4%
Cash From OA 4,892.80
6,739.66
7,541.87
5,468.01
6,599.14
10,990.00
10,706.00
8,291.00
13,540.00
8,930.00
13,632.00
growth rate 37.8% 11.9% -27.5% 20.7% 66.5% -2.6% -22.6% 63.3% -34.1% 52.7%
FCF per Share 2.83
4.96
5.09
8.94
2.48
5.97
8.34
6.55
9.94
14.22
8.02
growth rate 75.3% 2.6% 75.6% -72.3% 140.7% 39.7% -21.5% 51.8% 43.1% -43.6%
Sale Purchase of Stock 362.00
193.00
177.00
129.00
growth rate -46.7% -8.3% -27.1%
FCF 5,612.00
8,401.00
9,286.00
6,029.00
7,541.00
9,795.00
9,631.00
6,849.00
12,478.00
7,620.00
11,987.00
growth rate 49.7% 10.5% -35.1% 25.1% 29.9% -1.7% -28.9% 82.2% -38.9% 57.3%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 18,669.36
20,998.18
22,810.07
24,022.82
25,103.11
32,001.00
30,747.00
33,227.00
33,872.00
36,986.00
39,983.00
growth rate 12.5% 8.6% 5.3% 4.5% 27.5% -3.9% 8.1% 1.9% 9.2% 8.1%
Op.Income 2,162.85
4,540.39
5,295.60
4,911.15
6,005.13
9,097.00
8,228.00
7,238.00
7,503.00
8,164.00
8,591.00
growth rate 109.9% 16.6% -7.3% 22.3% 51.5% -9.6% -12.0% 3.7% 8.8% 5.2%
IBT 2,841.00
5,964.00
6,956.00
6,451.00
8,991.00
7,938.00
8,042.00
7,425.00
8,122.00
8,429.00
growth rate 109.9% 16.6% -7.3% 18.1% -11.7% 1.3% -7.7% 9.4% 3.8%
Net Income 1,621.57
3,088.59
3,757.02
3,412.15
4,079.81
5,885.00
5,163.00
5,375.00
2,748.00
6,921.00
6,759.00
growth rate 90.5% 21.6% -9.2% 19.6% 44.3% -12.3% 4.1% -48.9% 151.9% -2.3%
EPS 1.54
3.35
4.12
3.89
4.88
5.56
5.05
5.61
2.99
7.91
7.99
growth rate 117.5% 23.0% -5.6% 25.5% 13.9% -9.2% 11.1% -46.7% 164.6% 1.0%
Gross Profit 12,613.00
14,498.00
14,612.00
15,452.00
24,248.00
22,733.00
24,308.00
23,793.00
25,513.00
27,322.00
growth rate 14.9% 0.8% 5.8% 25.3% -6.3% 6.9% -2.1% 7.2% 7.1%

Quarterly Statements

Item Name Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Earnings BIT
growth rate
Balance Sheet Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Acct.Receivable 141,623.00
142,194.00
146,386.00
144,619.00
146,418.00
growth rate 0.4% 3.0% -1.2% 1.2%
Acct.Payable 82,215.00
89,019.00
89,108.00
86,164.00
86,025.00
growth rate 8.3% 0.1% -3.3% -0.2%
Cur.Assets 171,285.00
175,929.00
173,854.00
170,183.00
170,932.00
growth rate 2.7% -1.2% -2.1% 0.4%
Total Assets 188,602.00
197,193.00
197,603.00
194,184.00
198,321.00
growth rate 4.6% 0.2% -1.7% 2.1%
Cash 27,381.00
32,869.00
26,807.00
24,235.00
23,845.00
growth rate 20.0% -18.4% -9.6% -1.6%
Cur.Liabilities 94,087.00
93,492.00
94,017.00
90,906.00
97,643.00
growth rate -0.6% 0.6% -3.3% 7.4%
Liabilities 166,312.00
174,975.00
174,511.00
171,159.00
175,250.00
growth rate 5.2% -0.3% -1.9% 2.4%
LT Debt 58,404.00
58,418.00
57,736.00
58,474.00
57,810.00
growth rate 0.0% -1.2% 1.3% -1.1%
Equity 22,290.00
22,218.00
23,092.00
23,025.00
23,071.00
growth rate -0.3% 3.9% -0.3% 0.2%
Common Shares 170.00
168.00
167.00
165.00
163.00
growth rate -1.2% -0.6% -1.2% -1.2%
Cash Flow Statement Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Capital Expenditures 439.00
348.00
526.00
381.00
433.00
growth rate -20.7% 51.2% -27.6% 13.7%
Cash Dividends 354.00
355.00
347.00
346.00
374.00
growth rate 0.3% -2.3% -0.3% 8.1%
Cash From OA -1,252.00
8,547.00
2,930.00
-1,041.00
3,196.00
growth rate 100.0% -65.7% -100.0% 100.0%
Sale Purchase of Stock
growth rate
FCF -1,691.00
8,199.00
2,404.00
-1,422.00
2,763.00
growth rate 100.0% -70.7% -100.0% 100.0%
Income Statement Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Sales 9,520.00
9,555.00
9,977.00
10,110.00
10,341.00
growth rate 0.4% 4.4% 1.3% 2.3%
Op.Income 1,901.00
1,954.00
2,196.00
2,241.00
2,200.00
growth rate 2.8% 12.4% 2.1% -1.8%
IBT 1,831.00
1,958.00
2,219.00
2,266.00
1,986.00
growth rate 6.9% 13.3% 2.1% -12.4%
Net Income 2,010.00
1,550.00
1,761.00
1,755.00
1,693.00
growth rate -22.9% 13.6% -0.3% -3.5%
EPS
growth rate
Gross Profit 6,509.00
6,554.00
6,762.00
6,938.00
7,068.00
growth rate 0.7% 3.2% 2.6% 1.9%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (62.07)

YOY Growth Grade:

D (40.92)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.09 8.93 14.94
EPS / Growth 7.99

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 6.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 6.0% 6.0% 6.0%
Future PE 10.09 12.32 12.32
Future EPS 14.26 14.26 14.26
Value Price
MOS %
35.55
-50.2%
43.40
-39.2%
43.40
-39.2%
MOS Price 17.78 21.70 21.70
IRT 7.03 7.03 7.03

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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