Does AXP pay a dividend and is it safe?

American Express Company (AXP) offers a 1.05% cash dividend yield ($3.44 annualized) and 2.85% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Stock Ratings / Financials / AXP / dividends

SPGI (72) MCO (74) NU (51) RKT (37) ⌘ Pro Terminal →

American Express Company (AXP) Dividend Safety Gauge & 10-Year DRIP Compounder

$327.98 +2.78% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $329.00

American Express Company (AXP) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $213.98B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on AXP Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is AXP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, American Express Company (NYSE: AXP) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $327.98 (+2.78% 1D, market cap $213.98B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, AXP ranks #223 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does AXP compare to SPGI and MCO in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), AXP carries a Roarable C (65/100 RQD), trailing P/E of 20.0x, gross margin of —, and ROIC of 9.5%. By comparison, SPGI (S&P Global Inc.) holds a B grade (72/100 RQD, P/E 29.9x, ROIC 12.2%, cap $135.25B) and MCO (Moody's Corporation) posts a B grade (74/100 RQD, P/E 34.3x, ROIC 30.6%, cap $85.15B). Among the 5-stock peer group, AXP leads on earnings multiple (20.0x) while MCO leads on capital efficiency (30.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for AXP?

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Per AXP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000004962), American Express Company generated $41.30B in revenue (+6.4% YoY), $10.83B in net income, and $16.00B in free cash flow against $300.05B in total assets and $119.96B in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $329.00 (+0.31%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 38.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+3.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AXP)Realized 20D OHLCV Swing Band: ±4.4%

Deterministic 5-Pillar Attribution (65/100 Composite)

🔍 WHY AXP SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+16/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 38.7% FCF Margin ($16.00B FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Macro Regime Fit8/20 pts (-12 pt drag)

Macro rate sensitivity & RSI-14 (52.5) create a -12 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$306.95+5.4% Next Q

Q2 (-2Q)

Grade C$323.61-1.8% Next Q

Q3 (-1Q)

Grade C+$317.94+3.2% Next Q

Current

Grade C$327.98+1.3% Hist 90D α

Trajectory: C (57) → C (65)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the AXP Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, AXP faces multiple-compression risk if 20.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($316.34) or 200D SMA ($325.53) invalidates the momentum regime and cuts Target Base ($338.31) toward Bear Floor ($263.88).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $AXP• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “AXP Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 65%NO 35%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

2.85% Total Yield

1.05% Cash ($3.44/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

14% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.4% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $18,596

Est. Year-10 Shareholder Yield: $530/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.6K

Yr 1

$11.3K

Yr 2

$12.0K

Yr 3

$12.8K

Yr 4

$13.6K

Yr 5

$14.5K

Yr 6

$15.4K

Yr 7

$16.4K

Yr 8

$17.5K

Yr 9

$18.6K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in AXP & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on AXP and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

AXP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +2.75%📐 HORIZONTAL RANGE

2026-11-03O $323.7H $328.0L $319.1C $328.0VOL 2.57M

RES: $381.1SUP: $286.7SMA50: $316.3SMA200: $325.5

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

AXP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 AXP Butterfly Map → + Track AXP →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

13.5%/yr Implied 5Y Growth

vs. +6.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on AXP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for AXP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for AXP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (AXP)

Financials Rank #223 of 1097 ⚔️ SPGI vs AXP Full Matrix →

1. Head-to-Head Financials Peer Comparison (AXP vs. SPGI, MCO, NU, RKT)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, American Express Company (AXP) ranks #223 by composite RQD confidence (65/100, grade C) and #12 by equity capitalization ($213.98B). Within this direct 5-issuer industry benchmark cohort, AXP leads on earnings valuation at 20.0x trailing P/E, while MCO leads on capital efficiency and profitability with 30.6% ROIC and — gross margin. MCO currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with AXP at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
AXP ACTIVE American Express Company	C	65/100	20.0x	—	9.5%	+2.78%	$213.98B	Benchmark Subject
SPGI S&P Global Inc.	B	72/100	29.9x	—	12.2%	+1.85%	$135.25B	/spgi-vs-axp →
MCO Moody's Corporation	B	74/100	34.3x	—	30.6%	+2.45%	$85.15B	/mco-vs-axp →
NU Nu Holdings Ltd. (Class A)	D	51/100	32.8x	—	9.9%	+0.09%	$56.37B	/nu-vs-axp →
RKT Rocket Companies Inc.	D-	37/100	—	—	-0.2%	+7.58%	$36.25B	/rkt-vs-axp →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000004962 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), American Express Company (AXP) reported GAAP revenue of $41.30B (+6.4% vs. FY2024 revenue of $38.83B , and +11.0% cumulative change since FY2023) , GAAP net income of $10.83B, operating cash flow of $18.43B, and free cash flow of $16.00B (+31.8% YoY). On the balance sheet, AXP closed FY2025 with $300.05B in total assets against $119.96B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$41.30B	$10.83B	$18.43B	$16.00B	$300.05B	$119.96B
FY2024 (FY)	2024-12-31	$38.83B	$10.13B	$14.05B	$12.14B	$271.46B	$108.54B
FY2023 (FY)	2023-12-31	$37.22B	$8.37B	$18.56B	$16.88B	$119.39B	$27.94B

3. AXP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is AXP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does AXP compare to SPGI and MCO in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for AXP?

Where is AXP trading relative to its 50-day, 200-day, and 52-week technical levels?

AXP last traded at $327.98 (+2.78% on volume of 3,264,209 shares), positioning the stock +3.68% above its 50-day simple moving average ($316.34) and +0.75% above its 200-day simple moving average ($325.53). Across its 52-week range of $290.97 to $387.49, AXP sits at the 38.3% percentile with a 14-day RSI of 52.5 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($313.55 to $342.41).

Direct Sub-Reports: AXP RQD Cockpit AXP 12M Forecast AXP Earnings & Move AXP Dividends & DRIP AXP Insiders & 13F AXP Whale Options AXP Profit Sankey AXP News & Why

ROARABLE RATING BRIEF • RQD 65/100 (C) ✓ SEC XBRL & RQD VERIFIED

AXP — American Express Company: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

American Express Company (AXP) earns a live Roarable RQD composite score of 65/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $327.98 (+2.78% 1D, market capitalization $213.98B).

Fundamental Cash Engine (16/20): Anchored by return on invested capital (ROIC) of 9.5%, gross margin of —, operating margin of 32.0%, and free cash flow yield of 7.37%.
Whale 13F & Options Flow (10/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (8/20) + Forensic Balance Sheet (15/20): Incorporates a 0.95x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

American Express Company (AXP) is a NYSE-listed issuer classified in the Financials sector and the Finance: Consumer Services industry. The source data describes the company as operating in consumer finance services.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), American Express Company (AXP) reported $41.30B in annual revenue (up from $38.83B in FY2024, +6.4% YoY) and $10.83B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($37.22B revenue, $8.37B net income) through FY2025, AXP scaled operating cash flow to $18.43B and free cash flow to $16.00B, backed by $300.05B in total assets against $119.96B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C • RQD 65/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 16/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $290.97 – $387.49 52-week range.
🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 20.0x trailing P/E and 19.2x EV/EBITDA against 32.0% operating margins and a 0.95x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies: — Sector correlations: — Second-order bottlenecks: — Investors should note that this absence of mapped linkages means the ripple analysis cannot be sourced from the provided data.

Key Question #1: Can AXP sustain or expand its 32.0% operating margin and 9.5% ROIC against Finance: Consumer Services peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $41.30B and free cash flow of $16.00B, how will capital allocation balance growth reinvestment against $119.96B in total debt?
Key Question #3: How sensitive is AXP's 18.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 0.95x)?

AXP Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for American Express Company (AXP) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to AXP Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 22h ago

American Express Company (AXP) Is a Trending Stock: Facts to Know Before Betting on It

Yahoo Finance report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

American Express: Buy This Quality Compounder Now On Sale (NYSE:AXP)

Seeking Alpha report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Barchart.com • 1d ago

Ahead of American Express Earnings, Here's What Barchart Data Says Comes Next for AXP Stock

Barchart.com report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 1d ago

What's Going On With American Express Stock Friday? - American Express (NYSE:AXP)

Benzinga report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Is American Express (AXP) a Good Finance Stock to Buy For 2027?

Yahoo Finance report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

American Express' Weakness Is Our Opportunity (NYSE:AXP)

Seeking Alpha report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

American Express Company (AXP) Stock Forecasts

Yahoo Finance report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

What Makes American Express (AXP) a Compelling Bet?

Yahoo Finance report covering American Express Company (AXP) market action, institutional positioning, and fundamental catalysts.

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🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

AXP Bull vs. Bear Conversation Board — What's Your Call at $327.98?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON AXP 🐻 33% BEARISH CONVICTION

DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $370.17 (+16.0%)

📌 Pinned Debate

Per the Roarable RQD rating, a 7.37% FCF yield and 9.5% ROIC underpin a 16 / 20 fundamental cash engine score.

Picked up a starter position in AXP in my $100K Virtual Cash book at $319.11. Per the Roarable RQD rating, a 7.37% FCF yield and 9.5% ROIC underpin a 16 / 20 fundamental cash engine score.. Trading inside a $290.97–$387.49 52-week range with 7.37% FCF yield gives solid downside support if Finance: Consumer Services multiples expand this quarter.

VolSurface_Trader 🐂 BULL

@SkepticalCFA Shorting a 10/20 institutional whale-flow stock at $319.11 is dangerous when funds are rotating into Financials.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $255.29 (-20.0%)

Spot @ $319.11

Per the Roarable RQD rating, the macro regime fit pillar scores only 8 / 20 on a 0.95 beta and sector sensitivity.

Per the Roarable RQD rating, the macro regime fit pillar scores only 8 / 20 on a 0.95 beta and sector sensitivity.. Look at the math on AXP: paying 20.0x trailing P/E for 9.5% ROIC and 32.0% operating margins leaves zero margin of safety if Finance: Consumer Services demand softens. I'd wait for a retest of $280.82 before getting long.