TickerTalks
Browse all tickers →
TickerTalks›$AXP
AXAXP

American Express Company

$AXP·$239B·Financial - Credit Services·Financial Services
$354.43+1.1%YTD-4.1%1Y+10.4%
Mentions · last 7 days
2026-07-04: 16 posts2026-07-05: 69 posts2026-07-06: 112 posts2026-07-07: 152 posts2026-07-08: 232 posts2026-07-09: 284 posts2026-07-10: 303 posts1,177
Price updated 12h ago·X counts updated 4d ago
AXAXP
$AXPAmerican Express Company
$354.43+1.10%1.2k posts
AI analysisFundamentalsVoices on X
Loading…

AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $AXP, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersEvent coming upAI verdict · as of 2026-07-14

A known event soon (earnings, a ruling, etc.) will likely decide the next move.

AmEx reports July 24 with revenue accelerating and card-fee growth as the tell — the multiple is fair, so execution is what earns the next leg.

American Express is the premium-card issuer whose economic engine is card-fee growth and premium spending — not lending risk. The stock is at 67% of its 52-week range heading into July 24 earnings, with a Buy upgrade this morning and revenue growth reportedly at +16%.

  • The Q1 print already confirmed the acceleration: revenue grew 10.3% YoY to $20.9B at a 32% operating margin and $2.66B free cash flow, with EPS beats of +7%, -0.3%, +3.5%, and +4.9% over the last four quarters — meaning consensus is set up realistic, not stretched.
  • The credit backdrop is quietly strong: May's DFAST disclosure showed 30-day delinquency at 1.1% for US Consumer and 1.4% for US Small Business, both improving month-over-month on a $160.5B card book — the loss cycle isn't turning against AmEx, which is what typically compresses a card issuer's multiple.
  • The tape into the print is confident but not stretched: 19x TTM earnings on FY26 EPS of $17.72 scaling to $20.17 in FY27 is fair for a business earning 34% ROE, and no meaningful insider selling means nobody is fading the setup.

July 24 earnings decides how much of the +16% revenue framing is real — need Q2 EPS above $4.41 consensus plus card-fee growth accelerating above Q1's pace to break above $360; a maintained guide or any credit deterioration commentary caps the run despite the stablecoin/tokenization optionality being real.

Agrees with X sentimentAgree with the +16% revenue and card-fee-growth framing — the DFAST credit data and the recent upgrade are both consistent with the bullish setup. Where I add caution: the stablecoin/tokenization positioning is real optionality but not yet a near-term earnings driver, and the print has to carry the stock through the summer, not the theme.

What to watch: July 24 earnings — need Q2 EPS above $4.41 plus card-fee growth acceleration and no credit-quality deterioration. A maintained guide or rising delinquencies caps the current run at $360.

On the calendar: 2026-07-24 — Q2 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment8 posts analyzed · as of 2026-07-13

American Express revenue growth of +16% is being cited as a sign of robust travel spending, with unit revenue accelerating 600 bps from Q1. Recent chart updates flagged +7-17% moves toward the $355 level, and a research note argues AXP is one of the better-positioned card companies for stablecoins and tokenization.

Read the AI verdict + X sentiment for $AXP

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
Free, forever. No credit card.

What it does

Plain-English summary of the business — what they sell and how they make money.

Operates a premium charge and credit card network for affluent consumers and corporations, with travel and merchant services.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $AXP.

Financial - Credit Services · Financial Services

No material change from last week — AI agents transacting autonomously on behalf of consumers could decouple purchase decisions from card rails, threatening the interchange fee model.

What this means for $AXP

Partial — Operates a premium charge and credit card network for affluent consumers and corporations, with travel and merchant services; the consumer credit resilience and AI agent payment channel expansion creates tailwinds for one product line, not the full operation.

Industry benchmark

14-name peer basket
-1.2%YTD
-18.8%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
19.0How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
8.9%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
20.7%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
6.8%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.6Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
33.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
83.5%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.8Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026Apr 23, 2026$4.28$4.00+7.0%
Q4 2025Jan 30, 2026$3.53$3.54-0.3%
Q3 2025Oct 17, 2025$4.14$4.00+3.5%
Q2 2025Jul 18, 2025$4.08$3.89+4.9%
Next earningsFri, Jul 24·consensus EPS $4.41

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$20.9B+10.3%84.6%31.6%$4.28$2.7B
Q4 FY25$21.0B+9.5%83.5%14.7%$3.53$2.3B
Q3 FY25$20.6B+9.5%83.4%18.6%$4.14$5.6B
Q2 FY25$19.9B+8.3%82.5%17.8%$4.08$3.7B

Forward consensus

5-year forecast · up to 18 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$79.5B$79.2B – $79.8B$17.72$17.50 – $17.9318
FY27$86.5B$85.1B – $87.3B$20.17$19.84 – $20.3918
FY28$93.7B$93.6B – $93.8B$23.04$21.70 – $24.2511
FY29$103.0B$101.7B – $103.9B$26.48$26.03 – $26.775
FY30$76.4B$75.4B – $77.1B$28.25$27.77 – $28.565

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.8×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.67%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+8.9%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+4.7%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 681.4M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.4% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.045-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJun 15Glenda G McnealChief Partner Officer7.0K sh$2.4MSellMar 13Raymond JoabarGrp. Pres., Global Comm. Serv.16 sh$5KSellMar 6Lieberman Quinn JessicaEVP - Controller3.0K sh$910KSellMar 2Raymond JoabarGrp. Pres., Global Comm. Serv.24 sh$7KSellFeb 19Raymond JoabarGrp. Pres., Global Comm. Serv.14.0K sh$4.8MSellFeb 12Howard GrosfieldGroup Pres., U.S. Cons. Serv.8.1K sh$2.8MSellFeb 9Ravikumar RadhakrishnanChief Information Officer15.0K sh$5.3MSellFeb 9Laureen SeegerChief Legal Officer12.7K sh$4.6MSellFeb 5Anna MarrsGroup Pres., GMNS27.4K sh$9.6MSellFeb 5Denise PickettPres., Enterprise Shared Serv.23.4K sh$8.3M
+ 35 other (31 awards · 2 exempts · 2 inkinds) in window

See when $AXP insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDJun 258-K — Item 7.01: Press release / Reg FD
AI summary

American Express published its company-run 2026 Dodd-Frank Act Stress Test (DFAST) results via press release on June 25, 2026. The DFAST is an annual regulatory capital adequacy test required for large financial institutions — results are available on AmEx's IR website. No specific capital ratio figures or scenario outcomes were included in the 8-K body itself. Routine regulatory compliance disclosure; the actual stress test results in the attached exhibit are what matter for assessing AXP's capital resilience.

8-KPress release / Reg FDJun 158-K — Item 7.01: Press release / Reg FD
AI summary

American Express Company furnished monthly delinquency and net write-off rate statistics for its U.S. Consumer and U.S. Small Business card portfolios through May 31, 2026 under Regulation FD. Combined card balances held for investment reached $160.5 billion; 30-day delinquency rates improved month-over-month to 1.1% (consumer) and 1.4% (small business), both below March 2026 levels, while net write-off rates (principal only) held stable at 2.0% and 2.6% respectively. The trend of declining delinquencies is a positive credit-quality signal for AXP heading into Q2 earnings.

8-KPress release / Reg FDMay 158-K — Item 7.01: Press release / Reg FD
AI summary

AXP filed an 8-K Item 7.01 (Reg FD) disclosure dated 2026-05-15. Covers: presentation and disclosure of Card Member loans and Card Member receivables to present them on a co. Reg FD disclosures make material information simultaneously available to all investors; content may include guidance updates, strategic plans, or preliminary results.

8-KShareholder voteMay 78-K — Item 5.07: Shareholder vote
AI summary

AXP held its Annual Meeting of stockholders around 2026-05-07 (8-K Item 5.07). The meeting was adjourned, likely due to insufficient quorum. Routine governance event — monitor for unusually high withhold votes as an activist signal.

SC 13D/AActivist amendmentMay 4SC 13D/A
AI summary

American Express Company filed an amended Schedule 13D on AXP disclosing beneficial ownership (157,786,199.00 shares) as of 2026-05-04. The filer indicates potential activist intent, suggesting possible engagement on strategic, governance, or transactional matters.

8-KPress release / Reg FDMay 48-K — Item 7.01: Press release / Reg FD
AI summary

AXP filed an 8-K Item 7.01 (Reg FD) disclosure dated 2026-05-04. Reg FD disclosures make material information simultaneously available to all investors; content may include guidance updates, strategic plans, or preliminary results.

8-KPress release / Reg FDApr 238-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

AXP reported first quarter of 2026. A copy of the Company’s earnin financial results (8-K Item 2.02). Investors should review the full earnings press release and any management guidance for forward outlook.

8-KPress release / Reg FDApr 158-K — Item 7.01: Press release / Reg FD
AI summary

AXP filed an 8-K Item 7.01 (Reg FD) disclosure dated 2026-04-15. Reg FD disclosures make material information simultaneously available to all investors; content may include guidance updates, strategic plans, or preliminary results.

+ 22 other (5 8-Ks · 4 routine 8-Ks · 2 13Fs · 2 13Gs) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Monday's Morning Movers: STX & WDC PT Hikes, AXP Upgrade, MGM Takeover Talksyoutube.com·1d agoAmerican Express Reports Earnings on July 24. Here's Why Card-Fee Growth Matters More Than Spending This Quarter.fool.com·3d agoCan AmEx's AI Investments Unlock the Next Phase of Growth?zacks.com·4d agoIs American Express Stock a Bargain?fool.com·4d ago3 Warren Buffett Dividend Stocks to Buy in July247wallst.com·4d ago

More in Financial - Credit Services

Peers in the same group — one click to compare setups, fundamentals, and chatter.

$SOFI$V$MA$PYPL$UPST$COF$QFIN$GPN
Voices on X · top 6 · last 7 days

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

PrivacyTermsSupport