Cash flow American Express Company

Equities

AXP

US0258161092

Consumer Lending

Market Closed - Nyse Other stock markets 21:00:02 01/08/2025 BST			5-day change	1st Jan Change
294.27 ^USD	-1.68%		-5.56%	-0.85%

08-02	Berkshire takes $3.8 billion Kraft Heinz write-down, operating profit falls	RE
08-02	Berkshire takes $3.8 billion Kraft Heinz write-down, operating profit falls	RE

813402ef49f3282e1247c0196.-PXc7JHYfBSLUwkxPzq2eHWCxGFkg5pMtnxrIkEcbhw.1YbtprydJXDcPl5DaQLHTB3BoFAh0sU2-CQ0QBV3DFK5hZCW65s2U_5kTA

Published financial data: AMERICAN EXPRESS COMPANY

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest and Dividend Income, Total	10.08B	9.03B	12.66B	19.98B	23.8B
Interest Expense, Total	2.1B	1.28B	2.76B	6.85B	8.25B
Net Interest Income	7.98B	7.75B	9.9B	13.13B	15.54B
Commission and Fees	27.23B	33.31B	41.33B	45.68B	48.77B
Gain (Loss) on Sale of Investments, Total (Rev)	-	-	-	-	-
Other Revenues, Total	874M	1.32B	1.64B	1.7B	1.64B
Revenues Before Provison For Loan Losses	36.09B	42.38B	52.86B	60.52B	65.95B
Provision For Loan Losses	4.73B	-1.42B	2.18B	4.92B	5.18B
Total Revenues	31.36B	43.8B	50.68B	55.59B	60.76B
Salaries And Other Employee Benefits	5.72B	6.24B	7.25B	7.89B	8.08B
Cost of Services Provided, Total	16.2B	22.05B	27.36B	30.2B	33.5B
Other Operating Expenses	5.03B	5.34B	6.03B	6.74B	6.86B
Total Operating Expenses	26.95B	33.63B	40.64B	44.83B	48.43B
Operating Income	4.41B	10.17B	10.04B	10.76B	12.34B
Income (Loss) on Equity Invest.	-128M	-226M	-161M	-	-
Currency Exchange Gains (Loss)	13M	-21M	8M	82M	102M
EBT, Excl. Unusual Items	4.3B	9.92B	9.89B	10.84B	12.44B
Restructuring Charges	-	-	-	-179M	-123M
Gain (Loss) on Sale of Investments	-	767M	-302M	-152M	48M
Gain (Loss) on Sale of Assets	-	-	-	-	531M
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	4.3B	10.69B	9.58B	10.51B	12.9B
Income Tax Expense	1.16B	2.63B	2.07B	2.14B	2.77B
Earnings From Continuing Operations	3.14B	8.06B	7.51B	8.37B	10.13B
Net Income to Company	3.14B	8.06B	7.51B	8.37B	10.13B
Net Income - (IS)	3.14B	8.06B	7.51B	8.37B	10.13B
Preferred Dividend and Other Adjustments	99M	143M	114M	122M	134M
Net Income to Common Incl Extra Items	3.04B	7.92B	7.4B	8.25B	10B
Net Income to Common Excl. Extra Items	3.04B	7.92B	7.4B	8.25B	10B
Per Share Items
Net EPS - Basic	3.77	10.03	9.85	11.23	14.04
Basic EPS - Continuing Operations	3.77	10.03	9.85	11.23	14.04
Basic Weighted Average Shares Outstanding	805M	789M	751M	735M	712M
Net EPS - Diluted	3.77	10.02	9.85	11.21	14.01
Diluted EPS - Continuing Operations	3.77	10.02	9.85	11.21	14.01
Diluted Weighted Average Shares Outstanding	806M	790M	752M	736M	713M
Normalized Basic EPS	3.34	7.86	8.23	9.22	10.92
Normalized Diluted EPS	3.33	7.85	8.22	9.21	10.9
Dividend Per Share	1.72	1.72	2.08	2.4	2.8
Payout Ratio	47.02	17.97	20.83	21.26	19.74
American Depositary Receipts Ratio (ADR)	0.1	0.1	0.1	0.1	0.1
Supplemental Items
Effective Tax Rate - (Ratio)	27.03	24.6	21.61	20.35	21.45
Current Domestic Taxes	1.46B	2.01B	2.78B	2.81B	2.86B
Current Foreign Taxes	639M	328M	476M	662M	894M
Total Current Taxes	2.1B	2.34B	3.26B	3.47B	3.76B
Deferred Domestic Taxes	-1.05B	253M	-880M	-1.09B	-943M
Deferred Foreign Taxes	111M	41M	-309M	-238M	-47M
Total Deferred Taxes	-939M	294M	-1.19B	-1.33B	-990M
Normalized Net Income	2.68B	6.2B	6.18B	6.78B	7.77B
Non-Cash Pension Expense	-8M	-26M	-24M	-12M	-18M
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	247M	326M	373M	450M	508M
Stock-Based Comp., Other (Total)	2M	4M	2M	-	-
Total Stock-Based Compensation	249M	330M	375M	450M	508M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	32.27B	21.04B	33.05B	46.08B	40.21B
Long-Term Investments - (FS Template)	22.87B	4.18B	6.1B	3.56B	2.81B
Trading Asset Securities, Total	31M	293M	253M	23M	897M
Loans and Lease Receivables - (FS Template)	70.64B	88.12B	110B	128B	143B
Other Receivables	43.43B	53.58B	57.38B	60.24B	59.24B
Gross Property Plant And Equipment	12.56B	13.59B	15.06B	15.05B	16.91B
Accumulated Depreciation	-7.54B	-8.6B	-9.85B	-9.91B	-10.74B
Net Property Plant And Equipment	5.02B	4.99B	5.22B	5.14B	6.18B
Goodwill	3.85B	3.8B	3.79B	3.85B	4.19B
Other Intangibles, Total	265M	201M	146M	98M	123M
Loans Held For Sale	-	-	-	-	758M
Restricted Cash	606M	525M	544M	514M	427M
Other Current Assets, Total	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	2.7B	2.38B	3.5B	4.78B	5.67B
Other Long-Term Assets, Total	9.68B	9.44B	8.79B	8.99B	7.93B
Total Assets	191B	189B	228B	261B	271B
Liabilities
Interest Bearing Deposits	85.6B	83.32B	109B	128B	138B
Non-Interest Bearing Deposits	1.27B	1.06B	1.1B	986M	963M
Deposits	86.88B	84.38B	110B	129B	139B
Accounts Payable, Total	9.44B	10.57B	12.13B	13.11B	13.88B
Accrued Expenses, Total	3B	6.85B	7.68B	8.07B	8.84B
Short-Term Borrowings	2.47B	2.28B	1.68B	12B	4.84B
Current Portion of Long-Term Debt	-	-	-	10.36B	12.56B
Current Portion of Leases	141M	155M	157M	159M	160M
Long-Term Debt	42.94B	38.66B	42.57B	37.51B	37.16B
Long-Term Leases	980M	980M	819M	767M	773M
Current Income Taxes Payable	943M	1.58B	1.65B	1.28B	1.39B
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	-	-	-	-	-
Pension & Other Post Retirement Benefits	706M	-	-	-	-
Other Non Current Liabilities	20.9B	20.9B	26.71B	20.66B	22.19B
Total Liabilities	168B	166B	204B	233B	241B
Common Stock, Total	161M	153M	149M	145M	141M
Additional Paid In Capital	11.88B	11.5B	11.49B	11.37B	11.37B
Retained Earnings	13.84B	13.47B	16.28B	19.61B	22.15B
Comprehensive Income and Other	-2.9B	-2.94B	-3.21B	-3.07B	-3.4B
Total Common Equity	22.98B	22.18B	24.71B	28.06B	30.26B
Total Equity	22.98B	22.18B	24.71B	28.06B	30.26B
Total Liabilities And Equity	191B	189B	228B	261B	271B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	806M	759M	744M	724M	703M
ECS Total Common Shares Outstanding	805M	761M	743M	723M	702M
Book Value / Share	28.55	29.14	33.26	38.81	43.11
Tangible Book Value	18.87B	18.17B	20.78B	24.11B	25.95B
Tangible Book Value Per Share	23.44	23.88	27.97	33.34	36.97
Total Debt	46.52B	42.08B	45.23B	60.8B	55.48B
Net Debt	14.13B	20.28B	11.6B	14.69B	14.37B
Equity Method Investments, Total	1.15B	1.12B	1.21B	1.37B	-
Full Time Employees	63.7K	64K	77.3K	74.6K	75.1K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	3.14B	8.06B	7.51B	8.37B	10.13B
Depreciation, Depletion & Amortization	1.49B	1.64B	1.58B	1.6B	1.63B
Amortization of Goodwill and Intangible Assets - (CF)	54M	57M	51M	49M	46M
Total Depreciation, Depletion & Amortization	1.54B	1.7B	1.63B	1.65B	1.68B
Provision for Credit Losses	4.73B	-1.42B	2.18B	4.92B	5.18B
Stock-Based Compensation (CF)	249M	330M	375M	450M	504M
Net (Increase) Decrease in Loans Originated / Sold - Operating	-	-	0	5M	-
Change in Accounts Payable	-2.02B	5.39B	8.82B	5.06B	-2.9B
Change in Other Net Operating Assets (Collected)	-1.78B	1.07B	1.39B	-1.24B	1.01B
Other Operating Activities	-256M	-478M	-824M	-665M	-1.55B
Cash from Operations	5.59B	14.64B	21.08B	18.56B	14.05B
Capital Expenditure	-1.48B	-1.64B	-1.86B	-1.56B	-1.92B
Sale of Property, Plant, and Equipment	1M	88M	1M	2M	6M
Cash Acquisitions	-597M	1M	-15M	-64M	-454M
Divestitures	-	-	-	-	594M
Investment in Marketable and Equity Securities, Total	-13.33B	18.58B	-2.26B	2.32B	628M
Net (Increase) Decrease in Loans Originated / Sold - Investing	26.91B	-27.56B	-29.56B	-25.12B	-23.26B
Other Investing Activities, Total	135M	-	-	-	-
Cash from Investing	11.63B	-10.53B	-33.69B	-24.43B	-24.4B
Short Term Debt Issued, Total	-	461M	-	-	207M
Long-Term Debt Issued, Total	69M	7.79B	23.23B	15.67B	12.6B
Total Debt Issued	69M	8.25B	23.23B	15.67B	12.81B
Short Term Debt Repaid, Total	-4.63B	-	-706M	-105M	-
Long-Term Debt Repaid, Total	-15.59B	-11.66B	-18.91B	-10.7B	-10.76B
Total Debt Repaid	-20.22B	-11.66B	-19.61B	-10.81B	-10.76B
Issuance of Common Stock	44M	64M	56M	28M	100M
Repurchase of Common Stock	-1.03B	-7.65B	-3.5B	-3.65B	-6.02B
Issuance of Preferred Stock	-	1.58B	-	-	-
Repurchase of Preferred Stock	-	-1.6B	-	-	-
Common Dividends Paid	-	-	-	-	-2B
Common & Preferred Stock Dividends Paid	-1.47B	-1.45B	-1.56B	-1.78B	-
Common & Preferred Stock Dividends Paid	-1.47B	-1.45B	-1.56B	-1.78B	-2B
Other Financing Activities, Total	13.54B	-2.47B	25.9B	18.92B	10.3B
Cash from Financing	-9.07B	-14.93B	24.51B	18.38B	4.44B
Foreign Exchange Rate Adjustments	364M	-120M	-13M	177M	-40M
Net Change in Cash	8.52B	-10.94B	11.89B	12.68B	-5.96B
Supplemental Items
Cash Interest Paid	2B	1.1B	2.2B	6.4B	8.2B
Cash Income Tax Paid (Refund)	2.2B	1.6B	3B	3.3B	3.6B
Net Debt Issued / Repaid	-20.15B	-3.41B	3.62B	4.87B	2.05B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.61	4.24	3.6	3.42	3.8
Return On Equity %	13.61	35.69	32.05	31.74	34.74
Return on Common Equity	13.18	35.06	31.56	31.28	34.28
Margin Analysis
Gross Profit Margin %	70.43	70.32	56.78	55.04	64.81
SG&A Margin	40.32	34.92	25.08	23.57	33.23
Income From Continuing Operations Margin %	10	18.4	14.83	15.06	16.67
Net Income Margin %	10	18.4	14.83	15.06	16.67
Net Avail. For Common Margin %	9.68	18.08	14.6	14.84	16.45
Normalized Net Income Margin	8.56	14.16	12.19	12.19	12.79
Asset Turnover
Asset Turnover	0.16	0.23	0.24	0.23	0.23
Short Term Liquidity
Current Ratio	1.43	1.55	1.51	1.35	1.35
Quick Ratio	1.42	1.54	1.5	1.34	1.34
Operating Cash Flow to Current Liabilities	0.05	0.14	0.16	0.11	0.08
Long Term Solvency
Total Debt/Equity	202.41	189.75	183.02	216.69	183.33
Total Debt / Total Capital	66.93	65.49	64.67	68.42	64.71
LT Debt/Equity	191.07	178.75	175.59	136.43	125.33
Long-Term Debt / Total Capital	63.18	61.69	62.04	43.08	44.24
Total Liabilities / Total Assets	87.99	88.24	89.18	89.25	88.85
Tier 1 Capital Ratio %	14.7	11.5	11.1	11.3	11.2
Total Capital Ratio %	16.2	12.9	12.8	13.1	13.2
Leverage Ratio %	11	10.5	9.9	9.9	9.8
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-21.57	39.68	15.71	9.69	9.3
Gross Profit, 1 Yr. Growth %	-19.16	39.45	6.43	6.34	8.62
Earnings From Cont. Operations, 1 Yr. Growth %	-53.62	157.1	-6.77	11.45	20.96
Net Income, 1 Yr. Growth %	-53.62	157.1	-6.77	11.45	20.96
Normalized Net Income, 1 Yr. Growth %	-49.03	139.43	-0.35	8.13	15.01
Diluted EPS Before Extra, 1 Yr. Growth %	-52.82	165.78	-1.7	13.81	24.98
Common Equity, 1 Yr. Growth %	-0.38	-3.51	11.43	13.54	7.87
Total Assets, 1 Yr. Growth %	-3.51	-1.47	21.11	14.34	3.96
Tangible Book Value, 1 Yr. Growth %	-3.19	-3.68	14.35	16.02	7.66
Cash From Operations, 1 Yr. Growth %	-58.99	161.94	43.93	-11.96	-24.3
Capital Expenditures, 1 Yr. Growth %	-12.38	10.75	13.31	-15.68	22.49
Dividend Per Share, 1 Yr. Growth %	4.88	0	20.93	15.38	16.67
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-7.92	4.66	27.13	12.66	9.5
Gross Profit, 2 Yr. CAGR %	-6.96	6.17	22.95	6.39	8.07
Earnings From Cont. Operations, 2 Yr. CAGR %	-32.7	9.2	54.82	1.93	16.1
Net Income, 2 Yr. CAGR %	-32.7	9.2	54.82	1.93	16.1
Normalized Net Income, 2 Yr. CAGR %	-27.27	8.99	54.46	4.6	11.41
Diluted EPS Before Extra, 2 Yr. CAGR %	-30.96	11.99	61.64	5.77	19.26
Common Equity, 2 Yr. CAGR %	1.54	-1.96	3.69	12.48	10.67
Total Assets, 2 Yr. CAGR %	0.73	-2.5	9.24	17.68	9.03
Tangible Book Value, 2 Yr. CAGR %	-0.2	-3.44	4.94	15.18	11.76
Cash From Operations, 2 Yr. CAGR %	-20.87	3.65	94.17	12.57	-18.36
Capital Expenditures, 2 Yr. CAGR %	6.21	-1.49	12.02	-2.25	1.63
Dividend Per Share, 2 Yr. CAGR %	7.8	2.41	9.97	18.12	16.02
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-2.54	5.8	8.22	21.03	11.53
Gross Profit, 3 Yr. CAGR %	-2.45	6.48	1.74	17.14	13.36
Earnings From Cont. Operations, 3 Yr. CAGR %	4.49	5.21	3.59	38.75	7.91
Net Income, 3 Yr. CAGR %	4.49	5.21	3.59	38.75	7.91
Normalized Net Income, 3 Yr. CAGR %	-16.83	6.9	5.79	37.8	7.86
Diluted EPS Before Extra, 3 Yr. CAGR %	8.03	8.2	7.23	43.8	11.82
Common Equity, 3 Yr. CAGR %	7.97	-0.17	2.32	6.87	10.92
Total Assets, 3 Yr. CAGR %	1.84	-0.01	4.81	10.91	12.92
Tangible Book Value, 3 Yr. CAGR %	9.54	-1.38	2.16	8.51	12.62
Cash From Operations, 3 Yr. CAGR %	-25.53	17.93	15.64	49.17	-1.37
Capital Expenditures, 3 Yr. CAGR %	11.64	7.71	3.21	1.9	5.38
Dividend Per Share, 3 Yr. CAGR %	8.68	5.14	8.24	11.74	17.64
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	0.39	5.68	8.39	8.49	8.73
Gross Profit, 5 Yr. CAGR %	-0.58	4.85	3.88	3.7	7.59
Earnings From Cont. Operations, 5 Yr. CAGR %	-9.5	8.44	22.28	3.88	8.43
Net Income, 5 Yr. CAGR %	-9.5	8.44	22.28	3.88	8.43
Normalized Net Income, 5 Yr. CAGR %	-12.33	6.52	5.78	5.95	8.29
Diluted EPS Before Extra, 5 Yr. CAGR %	-5.68	12.3	26.93	7.22	11.89
Common Equity, 5 Yr. CAGR %	2.14	1.58	6.24	4.71	5.58
Total Assets, 5 Yr. CAGR %	3.49	3.48	4.74	6.72	6.48
Tangible Book Value, 5 Yr. CAGR %	1.95	1.7	7.68	4.94	5.9
Cash From Operations, 5 Yr. CAGR %	-12.18	12.05	9.26	15.76	0.61
Capital Expenditures, 5 Yr. CAGR %	1.35	3.53	11.79	3.61	2.58
Dividend Per Share, 5 Yr. CAGR %	8.77	7.11	9.19	10.15	11.29