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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.
COFCapital ONE Financial Corp.116,5B USDA+
SOFISoFi Technologies, Inc.20,3B USDA
FCFSFirstcash Holdings, Inc.7,8B USDA+
OMFOnemain Holdings, Inc.6,3B USDA
SEZLSezzle Inc.5,2B USDA+
Grade rose recently in Financials
Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.
BLKBlackRock, Inc.4 nov 2026CAGraded C, now A
HSBCHsbc Holdings plc27 ott 2026CBGraded C, now B
GSThe Goldman Sachs Group, Inc.2 nov 2026BAGraded B, now A
WFCWells Fargo & Company13 ott 2026BAGraded B, now A
CMECME Group Inc.21 ott 2026BAGraded B, now A
Come guadagna
- 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%
Le quote di ricavo sono stime per year ended 2025-12-31, non cifre tratte da un documento depositato.
Compete con
- VVisaA
- Margine
- 51,2%
- MAMastercardB
- Dimensione
- 571,7B USD
- Margine
- 46,7%
- China UnionPay
- JCB
- CODiscover (a Capital One division)
- PYPLPayPalB
- Dimensione
- 48,4B USD
- Margine
- 13,8%
Che cosa 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.
Mostra altri 3
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.
Chi 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.
Mostra altri 3
- 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.
Su cosa si regge e cosa potrebbe romperlo
Da che cosa dipende l'attività
- 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.
Che cosa potrebbe andare storto
- 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.
Informazioni su 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
- Fondata nel
- 1850
- Dipendenti
- 76,800 (as of 2025-12-31, high)
- Quotata su
- NYSE
- Chiusura dell'esercizio
- December 31
Costruito dai documenti depositati da American Express Co. presso la Securities and Exchange Commission (SEC), l’autorità di vigilanza statunitense. Le cifre sono quelle dichiarate, con lo storico per azione ricalcolato sulla base azionaria di oggi. Questo descrive un’azienda: non è consulenza finanziaria né una raccomandazione di acquisto o vendita.