AXP
American Express CompanyEvidence as of 2026-09-10The desk's Snapshot
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Overview · American Express Company
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; accounts payable expense management produc…
Management team
- Ms. Elizabeth Rutledge · Chief Marketing OfficerFind on LinkedIn
- Mr. Ravikumar Radhakrishnan · Executive VP & CIOFind on LinkedIn
- Mr. Douglas E. Buckminster · Vice ChairmanFind on LinkedIn
- Mr. Anre D. Williams · Senior Executive AdvisorFind on LinkedIn
Start free to see the full management team.
Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it, not a rating or a recommendation.
−0.4 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled. The rest of the page is the evidence behind it.
The evidence balance is Mixed ( -0.4 of a possible +2 ) with confidence high. Revenue rose from $ 10,517,000,000 in Q1 2026 (fiscal quarter ended 2026-04-17) to $ 11,212,000,000 in Q2 2026 (fiscal quarter ended 2026-07-14), while net income increased from $ 2,971,000,000 to $ 3,110,000,000 over those same quarters and diluted EPS moved from $ 4.28 to $ 4.53. Reported share counts and weighted average diluted shares both declined across the comparable periods, and the company recorded $ 1,911,000,000 of repurchases in Q1 2026.
Profitability measured by net income margin edged down slightly from about 28.3% in Q1 2026 to about 27.7% in Q2 2026. Balance-sheet aggregates show total assets rising to $ 308,203,000,000 as of 2026-06-30 with liabilities at $ 273,923,000,000 and stockholders' equity at $ 34,280,000,000; long-term debt has been in a narrow range near $ 57 billion. Market signals are mixed: momentum measures are positive (momentum_12_1 +16.2%), price sits below the 50- and 200-day SMAs (price_vs_sma50 -5.6%, price_vs_sma200 -4.1%) while a golden-cross is recorded (cross_age_days 20). Valuation metrics in the packet include an implied FCF growth rate of 0.0796 (7.96%), P/FCF of 19.15, P/E (TTM) of 18.9 with EPS (TTM) 17.03, and FCF TTM of $ 11,408,000,000.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else (no outside knowledge, no browsing), so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC (revenue, margins, income, debt and share count, quarter by quarter) and reports which way the trend is running.
Revenue was $10,517,000,000 in fiscal Q1 2026 (2026-01-01 to 2026-03-31, 3mo) and increased to $11,212,000,000 in fiscal Q2 2026 (2026-04-01 to 2026-06-30, 3mo).
XBRL companyfacts · 0000004962-26-000192Net income was $2,971,000,000 in fiscal Q1 2026 (2026-01-01 to 2026-03-31, 3mo) and rose to $3,110,000,000 in fiscal Q2 2026 (2026-04-01 to 2026-06-30, 3mo).
XBRL companyfacts · 0000004962-26-000192Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full: its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet; its risk analysis fills in once that lands.
The 10-K filed 6 Feb 2026 states that spending by small business and corporate clients comprised approximately 41 percent of the company's worldwide billed business during 2025.
10-K filed 2026-02-06The 10-K filed 6 Feb 2026 states that all of the company's cobrand portfolios in the aggregate accounted for approximately 26 percent of worldwide billed business for the year ended December 31, 2025.
10-K filed 2026-02-06Reads the signal panel above (momentum, volatility, drawdown, relative strength and beta) and ranks each against the whole research universe rather than judging it in isolation.
Momentum measures show recent positive returns: momentum_3m is +1.3%, momentum_6m is +6.8%, and momentum_12_1 is +16.2%.
Moneyta signal set · 2026-09-09weakened in debateThe price is below both short- and long-term simple moving averages: price_vs_sma50 is -5.6% and price_vs_sma200 is -4.1%, and the cross_age_days is 20 days (golden_cross is true).
Moneyta signal set · 2026-09-09Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
13F-reported institutional holdings total $52.3M as of 2026-03-31, and reported aggregate value rose 24.8% quarter-over-quarter with 4 new positions and 1 exited position in that reported quarter.
13F holdings · 5 filers · as of 2026-03-31M&T Bank Corp is listed as a new top holder with a reported holding value of $48.2M in the 13F data as of 2026-03-31.
13F holdings · 5 filers · as of 2026-03-31Reads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
An article published 9 September 2026 reported American Express closed at $321.8 in the most recent session, a -1.32% change from the prior trading day.
News · finance.yahoo.com · 2026-09-09The same price-movement headline about American Express published 9 September 2026 was carried by another outlet, indicating the short-term trading/movement story appeared on multiple distinct sites.
News · zacks.com · 2026-09-09Reads parsed Forms 3/4/5: who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
Herena Monique, listed as Chief Colleague Exp. Officer, sold 8,811 shares for a total value of "$3.0M" on 2026-08-18.
Form 4 · Herena Monique (Chief Colleague Exp. Officer) · $3.0M sold · 2026-08-18The parsed activity shows no open-market officer purchases in the 180-day window: total bought "$0" and distinct_buyers 0.
Form 4 · Herena Monique (Chief Colleague Exp. Officer) · $3.0M sold · 2026-08-18Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The model-calculated implied free cash flow (FCF) growth rate that today's price would justify is 0.0796 (7.96%).
Valuation inputs · SEC XBRL + stored EOD closePrice-to-free-cash-flow (P/FCF) on a trailing-12-month basis is 19.15.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score. The argument is shown, not hidden, so you can judge the reasoning yourself.
The evidence set shows sequentially stronger core results: revenue, net income and diluted EPS each rose from fiscal Q1 to Q2 2026 while weighted average diluted shares and reported shares outstanding declined over comparable periods, supported by material share repurchases. Balance-sheet snapshots show rising total assets and equity over the year, and momentum and low-to-moderate volatility metrics indicate positive recent market behavior. Valuation metrics (P/E ~18.9, P/FCF ~19.2, implied FCF growth ~7.96%) are documented in the evidence and are presented alongside the caveat that historical FCF growth benchmarks are not included. These jointly support a favorable read on recent operational profitability, capital return activity, and measured market momentum; counterarguments about prior drawdowns, short-term price vs. moving averages, regulatory engagement disclosures, and an August insider sale are present in the filings and market claims but are weaker when weighed against consistent quarter-over-quarter fundamental improvements and explicit repurchase activity.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.37
37 surviving claims rest on 15 distinct sources; the heaviest analyst carries 24% of them, and 99% of what the desk raised survived the debate.
The surviving set rests on a moderate number of distinct sources but a notable share of claims trace to a single heavy analyst and nearly all items withstood internal challenge. That composition means the read has reasonable documentary support but some concentration and low internal falsification — treat conclusions as informative but not robustly independent.
Peer context · computed, not argued
12-1 momentum ranks 1st of 7 in Credit Services (as of 2026-09-09).
90-day volatility ranks 5th of 7 in Credit Services (as of 2026-09-09).
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment. When the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here (no outside knowledge, no browsing), and each card shows who read it and what it contributed to the score.
11 filings· 2 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data, not retyped or estimated.
Read by Mercer+0.8 to the score
7 documents· 3 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes−0.7 to the score
1 signal set
Moneyta signal set
Computed from our own end-of-day price history and ranked against the whole research universe. No AI involved.
Read by Nash−0.3 to the score
3 holdings records· 1 cited
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.5 to the score
3 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
1 filing
Insider filings
Parsed Forms 3/4/5 from EDGAR: named insiders, share counts, prices, and 10b5-1 plan state, with stated and inferred flags kept apart.
Read by Talbot−0.7 to the score
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only; it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal; the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
The full terminal on AXP Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
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Educational analysis of published data. Moneyta does not give investment advice or make recommendations.