AXP

American Express Company ·NYSE·Financial Services
344.13 live · 2026-08-12 15:59
23.0%
Brown Bear Score
37.1%
Business Conviction Score
30.2%
Position Health Score
21.1%
Chase Risk
Daily closes

Daily closes · 1Y (252 sessions) · +13.5% · range 292.27–384.89

The Businesswhat the company reports

Business & cash flow

FCF / assets 5.3%
OCF / assets 6.1%
FCF / revenue 25.5%
Gross margin 62.3%
ROIC 3.6%
Forward P/E 17.1

FCF/assets and OCF/assets are the cash-flow measures Brown Bear's own testing found to survive; FCF/revenue is shown alongside for context. Assets are from the latest annual filing (FY2025).

Price vs Earnings growth

Forward EPS growth has outpaced trailing price return by +7.3pp

Confidence 95.0/100

Takeaway Price and forward earnings growth are broadly in step; no strong valuation lean either way.

Reported earnings

Next report 2026-10-23 before the open · consensus EPS 4.58

Q3 23 revenue: 9.38bnQ3 23 net income: 2.45bnQ3 23 EPS: 3.34Q4 23 revenue: 9.56bnQ4 23 net income: 1.93bnQ4 23 EPS: 2.63Q4 23Q1 24 revenue: 9.34bnQ1 24 net income: 2.44bnQ1 24 EPS: 3.38Q2 24 revenue: 9.82bnQ2 24 net income: 3.02bnQ2 24 EPS: 4.21Q2 24Q3 24 revenue: 9.72bnQ3 24 net income: 2.51bnQ3 24 EPS: 3.54Q4 24 revenue: 9.95bnQ4 24 net income: 2.17bnQ4 24 EPS: 3.04Q4 24Q1 25 revenue: 9.63bnQ1 25 net income: 2.58bnQ1 25 EPS: 3.68Q2 25 revenue: 10.32bnQ2 25 net income: 2.88bnQ2 25 EPS: 4.13Q2 25Q3 25 revenue: 10.41bnQ3 25 net income: 2.90bnQ3 25 EPS: 4.19Q4 25 revenue: 10.94bnQ4 25 net income: 2.46bnQ4 25 EPS: 3.54Q4 25Q1 26 revenue: 10.52bnQ1 26 net income: 2.97bnQ1 26 EPS: 4.33Q2 26 revenue: 11.21bnQ2 26 net income: 3.11bnQ2 26 EPS: 4.58Q2 26

Revenue Net incomeEPS (GAAP) (2.63–4.58, own scale) Derived Q4

12 quarters to Q2 26. Revenue and net income share one scale, so the gap between them is the margin. The line is GAAP EPS — it spans every quarter shown, where the reported figure only goes back as far as the consensus feed does.

Quarter endingRevenueYoY Net incomeEPS (GAAP) EPS reportedvs consensus Filed
2026-06-30 11.21bn +8.6% 3.11bn 4.58 4.53 +1.8% 2026-07-24
2026-03-31 10.52bn +9.3% 2.97bn 4.33 4.28 +5.3% 2026-04-23
2025-12-31 (derived) 10.94bn +9.9% 2.46bn 3.54 3.53 -1.2% 2026-02-06
2025-09-30 10.41bn +7.2% 2.90bn 4.19 4.14 +2.6% 2025-10-17

Earnings response

Typical move around a filing ±2.6%
On an ordinary two days ±1.3% — filings move it 1.9× as much
Direction 3 up, 9 down over 12 filings
Revenue change and price reaction, by quarter
Q3 22 revenue +22.3% year on yearQ3 22 filed 2022-10-21: price -0.6%Q1 23 revenue +15.8% year on yearQ1 23 filed 2023-04-21: price -1.6%Q1 23Q2 23 revenue +7.5% year on yearQ2 23 filed 2023-07-25: price -0.0%Q3 23 revenue +7.4% year on yearQ3 23 filed 2023-10-20: price -3.4%Q3 23Q1 24 revenue +5.6% year on yearQ1 24 filed 2024-04-19: price +7.1%Q2 24 revenue +4.1% year on yearQ2 24 filed 2024-07-19: price -1.8%Q2 24Q3 24 revenue +3.6% year on yearQ3 24 filed 2024-10-18: price -5.3%Q1 25 revenue +3.1% year on yearQ1 25 filed 2025-04-18: price +0.4%Q1 25Q2 25 revenue +5.1% year on yearQ2 25 filed 2025-07-18: price -3.9%Q3 25 revenue +7.2% year on yearQ3 25 filed 2025-10-17: price +8.2%Q3 25Q1 26 revenue +9.3% year on yearQ1 26 filed 2026-04-23: price -5.7%Q2 26 revenue +8.6% year on yearQ2 26 filed 2026-07-24: price -1.6%Q2 26

Revenue up year on year Revenue down Price move around the filing separate scales — a crossing means nothing

Quarter endingFiledRevenue YoY Move around filingNext 20 sessions vs SPY
2026-06-30 2026-07-24 +8.6% -1.6%
2026-03-31 2026-04-23 +9.3% -5.7% -5.2%
2025-09-30 2025-10-17 +7.2% +8.2% -1.5%
2025-06-30 2025-07-18 +5.1% -3.9% -1.0%

Share count

Diluted shares over time

Diluted shares Return since the previous filing

Direction Shrinking — shares retired
Diluted shares 679.0M as at 2026-06-30
Change over 1 year -2.9%
Change over 3 years -8.4%
Public float $221.80bn as at 2025-06-30 (10-K)

The Pricewhat the chart is doingTop ↑

Price Levels

StrategyCurrent Price Reasonable
Reference band 338.92 — 347.52
Protective stop 331.18 (Structure, 3.5% risk)
Support 334.32 (6 touches, 2.9% away)
Resistance 350.31 (1.8% away)

Takeaway The shares are nearer the ceiling than the floor: about 1.8% below 350.31, where sellers have turned up before, and 2.9% above 334.32, where buyers have stepped in before. That floor has held 6 times, which is how it was spotted. If someone bought at today's price and sold if it dropped through the level below, they would be about 3.5% out of pocket. That is all this figure means — an illustration of the risk, not a price to sell at.

Levels are computed from price structure. They describe where the engine locates support and extension — they are not targets, and not advice.

Ichimoku Cloud (Adaptive)

Daily cloudPrice ABOVE the cloud | periods 8/24/48 (92% of classic 9/26/52)
LinesTenkan/Kijun BEAR | cloud twist BULL
Cloud eventFresh up breakout 0d ago
Cloud thickness48% percentile
Chikou spanNot clear of price from 26 periods ago
Weekly cloudPrice ABOVE the weekly cloud (context only, not scored)

Takeaway The stock is trading above its cloud — a shaded band drawn from several of its own moving averages, currently 334.29 to 342.94. Being above it means the medium-term picture is pointing upwards, and that band is the first place the stock has recent support if it slips back. Its shorter-term averages point the other way, so this is a mixed reading rather than a clear one.

Trailing returns

21 days -3.1%
63 days +9.5%
126 days -5.3%
252 days +16.2%
Below 252d high10.6%

Trend context

PositionAbove trend
ExtensionExtremely extended
Trend slopeFlat
Direction of travelDiverging from trend

Takeaway Extreme upside extension is still moving away from fair trend; chase risk is elevated.

Volatility

State No recent compression
Current band width9.8% of price
Recent tightest9.8% (0 sessions ago, narrower than 57.0% of its history)
Expansion since1.00×
Band 326.19 — 359.85

Takeaway Lately this share price has been swinging around inside a range roughly 10% wide. That is normal for this stock, so there is nothing unusual to read into it either way.

Historical trends

0255075100Share price 336.25–348.992026-07-312026-08-12
Position Health Business Conviction Share price

History begins when the site started recording, not when the company listed, so a short line means a short record and nothing more.

Repair Pathway

  1. Nearest Trigger Volume confirmation above 1.2x +0.20x volume confirmation would improve confidence in the pathway · Broadly stable
  2. Trigger 2 MACD bullish crossover repair trigger repair engine identifies this as the nearest technical repair catalyst · Broadly stable
  3. Trigger 3 Positive 20-day momentum acceleration secondary repair secondary repair catalyst could add confirmation if the primary trigger develops · Broadly stable
  4. Trigger 4 MACD histogram above zero 0.33 gap is improving · Broadly stable
  5. Trigger 5 Relative strength stabilisation state change relative momentum rank supports RS stabilisation · Broadly stable

Who's Tradingthe flow behind the priceTop ↑

Insider activity

ActivityInsider selling
Buy filings0
Sell filings1
Shares sold7,033
Value sold$2.4m
Latest sell2026-06-15
FiledInsiderSharesValue
2026-06-15 Sold McNeal Glenda GChief Partner Officer 7,033 $2,386,719

Open-market Form 4 purchases and sales over the last 75 days, read from SEC EDGAR Form 4. Grants, option exercises, gifts and shares withheld for tax are excluded — they are compensation mechanics, not a decision to buy or sell. Reported Form 4 activity. Brown Bear tested insider cluster-buying as a return signal and rejected it as era-unstable; shown as fact, not signal.

Volume confirmation

Volume-price trend Below its signal line
Confirmation Marginal

No absorption or distribution event in the recent window.

Takeaway The heaviest trading has been happening on days when the price falls: when large numbers of shares change hands, the price has tended to go down rather than up. That tells you where the weight of trading has been. It does not tell you what happens next, and it is not a signal to sell.

Options Positioning

No binary-event flag

AXP: no binary-event flag. Near IV 26%, far IV 25% (ratio 1.05), implied move 3.3%.

Implied volatility 26% near (9d) · 25% far (65d)
Term structure 1.05× near/far
Historical volatility 27%
Implied vs historical 0.99×
Implied move ±3.3% by 2026-08-21
Implied move vs ATR 0.60×
Skew Put Skew (1.19×)
Call wall 490.00 (+42.4% away)
Put wall 210.00 (-39.0% away)
Gamma pin 210.00

Takeaway Insuring against a move in this stock costs less for the next few weeks than for the next few months, which is the normal state of affairs and suggests no particular date is worrying anyone. Options traders are positioned for a move of around 3.3% in either direction by 2026-08-21.

Chain as at 2026-08-12. This is a risk read on whether a specific event is being priced — not a directional view.

Context & Methodthe record, and how it was builtTop ↑

Relative Rotation

ImprovingLeadingLaggingWeakeningvs sectorvs SPYsector vs SPYRS-Ratio →RS-Momentum →

Early Stock Rotation

Rotation health 58.1/100; Mixed Rotation.

Rotation health 58.1
Rotation strength 77.6
LegQuadrantRS-RatioRS-Mom
Stock vs sector Improving 91.1 121.5
Stock vs SPY Improving 84.9 123.3
Sector vs SPY Lagging 76.4 91.0

Direction of travel: North-East / strengthening leadership

Position only. Brown Bear's RRG redesign programme is closed — five constructions, none beat an appropriate null — so this section describes where the name sits, and is not a signal.

News Headlines

  1. Loading headlines\u2026

Headlines are supplied by third-party feeds and are not written, ranked or interpreted by Brown Bear. They feed no score on this page.

Detailed Scoring

Positive signals

  • Piotroski F-score 4/9 (+5.0)
  • Insider conviction score (+3.0)
  • Gross margin quality: 62.3% (+15.5)
  • FCF margin quality: 25.5% (+17.0)
  • FCF margin improving by 4.2 pts (+2.0)
  • High earnings quality (accrual ratio -0.025) (+2.0)
  • Accrual ratio improving (-0.01 -> -0.03) (+5.0)
  • Track 1: ADX 30.8 and rising (+8.0)
  • Track 1: relative momentum rank 0.56 (+1.2)
  • Track 1: EMA20 reclaim distance 0.5% (+7.6)
  • Track 1: RSI recovery 52.5, 5-day change +11.3 (+8.1)
  • Track 1: price above EMA50 by 1.7% (+1.1)
  • Track 1: EMA50 slope improving 0.6% (+1.2)
  • Track 1: EMA50 support proximity 1.7% (+3.6)
  • Track 1: EMA200 support proximity 4.1% (+4.1)
  • Track 1: constructive pullback zone (+15.0)
  • Track 1: Bollinger position 0.53 (+3.7)

Negative signals

  • Underperforming sector over 20 days
  • Track 1: weak volume confirmation (0.50x average)
  • Relative strength versus sector deteriorating
  • Track 1: negative 20-day momentum acceleration (-0.11)
  • Track 1: bearish DI spread (-4.7)
  • Track 1: EMA20 slope deteriorating -0.1%
  • Track 1: weak MACD line/signal structure (-5.0)
  • Track 1: MACD slope deteriorating (-3.0)
  • Track 1: weak VPT confirmation (-0.03)
  • Below-average Altman Z-score (2.06)
  • Gross margin improving by -37.7 pts (+-3.0)
  • ROIC improving by -0.4 pts (+-5.0)

Chase risk is not elevated for this name, so extension penalties are omitted from the negative signals above.