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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 themes 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.$117.4BA+
SOFISoFi Technologies, Inc.$20BA
FCFSFirstcash Holdings, Inc.$7.9BA+
OMFOnemain Holdings, Inc.$6.4BA
SEZLSezzle Inc.$5.2BA+
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.2026年11月4日CAGraded C, now A
HSBCHsbc Holdings plc2026年10月27日CBGraded C, now B
GSThe Goldman Sachs Group, Inc.2026年11月2日BAGraded B, now A
WFCWells Fargo & Company2026年10月13日BAGraded B, now A
CMECME Group Inc.2026年10月21日BAGraded B, now A
どうやって稼いでいるか
- 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%
売上構成比はyear ended 2025-12-31の推計であり、提出された報告書の数字ではありません。
競合
- VVisaA
- 利益率
- 51.2%
- MAMastercardB
- 規模
- $579.2B
- 利益率
- 46.7%
- China UnionPay
- JCB
- CODiscover (a Capital One division)
- PYPLPayPalB
- 規模
- $49.2B
- 利益率
- 13.8%
何を売っているか6
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.
さらに3件を表示
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.
誰が買っているか6
- 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.
さらに3件を表示
- 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.
何に支えられ、何に崩されうるか
事業が頼っているもの
- 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.
うまくいかなくなる可能性
- 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.
American Express Co.について
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.
- 本社
- New York, New York
- 設立
- 1850
- 従業員数
- 76,800 (as of 2025-12-31, high)
- 上場市場
- NYSE
- 決算期
- December 31
American Express Co. 自身が米国証券取引委員会（SEC）に提出した書類にもとづきます。数字は報告されたままで、1 株当たりの履歴は今日の株数基準に修正済みです。 これは事業の説明です——投資助言ではなく、売買を勧めるものでもありません。