Acciones de American Express Co. (AXP) — ¿es un buen negocio?

Acciones de American Express Co. (AXP) — ¿es un buen negocio? — InspectStocks

Cómo gana dinero

U.S. Consumer Services: cards and services for consumers in the United States48 %
Commercial Services: cards and payment services for businesses23 %
International Card Services: cards and services outside the United States18 %
Global Merchant and Network Services: merchant services and card-network services11 %

Los porcentajes de ingresos son estimaciones para year ended 2025-12-31, no cifras de un informe oficial.

Compite con

VVisa
A
Margen
51,2 %
MAMastercard
B
Tamaño
579,2B US$
Margen
46,7 %
China UnionPay
JCB
CODiscover (a Capital One division)
PYPLPayPal
B
Tamaño
49,2B US$
Margen
13,8 %

Qué vende6

Consumer Platinum and Gold cards
Credit and charge cards for consumers, with benefits such as rewards, travel services, dining access, and airport lounge access.
Partner-branded cards
Cards issued with partners such as Delta Air Lines, Marriott, British Airways, and Hilton, combining American Express card features with partner benefits.
Corporate and small-business cards
Cards and payment services businesses use to pay expenses and manage employee spending.

Mostrar 3 más

Bank accounts and loans
Consumer and business savings and checking accounts, consumer installment loans, and lines of credit for small businesses.
Merchant payment services
Services that sign up merchants to accept American Express cards, process transactions, settle payments, and help prevent fraud.
Resy and Tock dining services
Restaurant reservation and management services that give diners a way to book tables and restaurants tools to manage reservations.

Quién se lo compra6

Consumers who apply for cards directly or through partner promotions, then use them to pay for purchases or borrow.
Small businesses that use cards, loans, bank accounts, and expense-management services for business spending.
Mid-sized and large companies that use corporate cards and payment services to manage employee and supplier spending.

Mostrar 3 más

Merchants that sign up directly or through a payment partner to accept American Express cards and pay fees on transactions.
Banks and other financial institutions that license American Express branding and network services to issue cards or sign up local merchants.
Customers who use American Express bank accounts, travel services, dining reservations, and related services.

En qué se apoya y qué podría romperlo

De qué depende el negocio

1Delta Air Lines is its largest strategic partner. The Delta co-brand card portfolio represented approximately 13% of worldwide card spending (as of 2025-12-31, high) and approximately 21% of worldwide card-member loans (as of 2025-12-31, high); the agreement runs through the end of 2029 (term reported in the 10-K, high).
2The card business depends on merchants accepting American Express cards and on third-party banks, processors, and payment partners helping extend card acceptance and network reach.
3The business relies on computer systems and outside providers for payment processing, customer service, technology, and other operating services.
4As a regulated bank holding company, it depends on access to deposits and other funding and must meet banking capital, liquidity, and operating requirements.

Qué podría salir mal

1An economic slowdown or other disruption could reduce card spending and make it harder for cardholders and business partners to repay what they owe, affecting transaction revenue and loan losses.
2Competition, merchant pressure on acceptance fees, and merchant surcharges or steering could reduce card use, merchant relationships, or the fees earned when cards are accepted.
3Changes in banking, consumer-protection, payment, and data rules, or legal proceedings over merchant contract terms, could require changes to products and practices, increase costs, or lead to penalties.

Estados financieros completos →

Sobre American Express Co.

American Express issues credit and charge cards to consumers and businesses, and earns money when cardholders spend, borrow, or pay card fees. It also signs up merchants to accept its cards, processes and settles payments, and runs a network used by cards issued by other institutions. Its services include banking, travel, dining, and expense management, and it operates as a regulated bank holding company in the United States.

Sede: New York, New York
Fundada en: 1850
Empleados: 76,800 (as of 2025-12-31, high)
Cotiza en: NYSE
Cierre del ejercicio: December 31

Construido a partir de los propios informes de American Express Co. ante la Comisión de Bolsa y Valores de EE. UU. (SEC). Las cifras son las declaradas, con el historial por acción reexpresado a la base de acciones de hoy. Esto describe un negocio: no es asesoramiento de inversión ni una recomendación de compra o venta.

Keep exploring

The themes American Express is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.

The theme it is part of

Highest-graded in Credit Services

Graded A or B and worth $2B or more: A first, then the largest.

All 51 graded companies in its industry

Grade rose recently in Financials

Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.

All grade rises

Cómo gana dinero

U.S. Consumer Services: cards and services for consumers in the United States48 %
Commercial Services: cards and payment services for businesses23 %
International Card Services: cards and services outside the United States18 %
Global Merchant and Network Services: merchant services and card-network services11 %

Los porcentajes de ingresos son estimaciones para year ended 2025-12-31, no cifras de un informe oficial.

Compite con

VVisa
A
Margen
51,2 %
MAMastercard
B
Tamaño
579,2B US$
Margen
46,7 %
China UnionPay
JCB
CODiscover (a Capital One division)
PYPLPayPal
B
Tamaño
49,2B US$
Margen
13,8 %

Qué vende6

Consumer Platinum and Gold cards
Credit and charge cards for consumers, with benefits such as rewards, travel services, dining access, and airport lounge access.
Partner-branded cards
Cards issued with partners such as Delta Air Lines, Marriott, British Airways, and Hilton, combining American Express card features with partner benefits.
Corporate and small-business cards
Cards and payment services businesses use to pay expenses and manage employee spending.

Mostrar 3 más

Bank accounts and loans
Consumer and business savings and checking accounts, consumer installment loans, and lines of credit for small businesses.
Merchant payment services
Services that sign up merchants to accept American Express cards, process transactions, settle payments, and help prevent fraud.
Resy and Tock dining services
Restaurant reservation and management services that give diners a way to book tables and restaurants tools to manage reservations.

Quién se lo compra6

Consumers who apply for cards directly or through partner promotions, then use them to pay for purchases or borrow.
Small businesses that use cards, loans, bank accounts, and expense-management services for business spending.
Mid-sized and large companies that use corporate cards and payment services to manage employee and supplier spending.

Mostrar 3 más

Merchants that sign up directly or through a payment partner to accept American Express cards and pay fees on transactions.
Banks and other financial institutions that license American Express branding and network services to issue cards or sign up local merchants.
Customers who use American Express bank accounts, travel services, dining reservations, and related services.