What is the 13F Pro Quality Score for AXP?

13F Pro ranks AMERICAN EXPRESS CO (AXP) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View AXP's current score at https://13fpro.ai/research/AXP (free sign-up required for the full ranking).

Which hedge funds own the most AXP stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of AXP include BERKSHIRE HATHAWAY, BlackRock,, VANGUARD CAPITAL MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/AXP as soon as new 13F filings post.

Where does 13F Pro source AXP data?

All AMERICAN EXPRESS CO fundamentals and ownership data come directly from SEC EDGAR. AMERICAN EXPRESS CO files with the SEC under CIK 4962. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is AXP in?

AMERICAN EXPRESS CO (AXP) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives AXP's revenue?

Per AMERICAN EXPRESS CO's latest 10-Q filed with the SEC on 2026-04-23, the biggest revenue drivers are: Discount revenue ($9.5B, +9% YoY); Net interest income ($4.7B, +13% YoY); Net card fees ($2.8B, +18% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/AXP.

What are AXP's largest expenses?

AMERICAN EXPRESS CO's latest 10-Q reports these as the largest expense items: Card Member rewards ($4.9B, +12% YoY); Salaries and employee benefits ($2.5B, +17% YoY); Card Member services ($2.0B, +49% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 2026).

How often is AXP research updated on 13F Pro?

AXP's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

AMERICAN EXPRESS CO(AXP)Stock Analysis

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13F Pro Quality Score

73.2/100

Rank #203 of 2,879 stocksTOP 10%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

51.5/100

Profitability

89.1/100

Balance Sheet

62.8/100

Earnings Quality

59.2/100

Free Cash Flow

90.1/100

Institutional Flow

44.7/100

Revenue Scale

96.6/100

Dilution Risk

49.5/100

AXP Stock Analysis & AI Quality Score

AI stock analysis and institutional research for AMERICAN EXPRESS CO (AXP), a Financials sector company. 13F Pro's AI-powered ranking engine scores AXP at 73.2/100 on a 32-signal composite quality model, placing it at rank #203 of 2,879 stocks — the top 10% of the AI-ranked universe. AXP scores in the top quartile across revenue scale (96.6), free cash flow (90.1), profitability (89.1). Shareholder dilution risk is elevated at 49.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), AMERICAN EXPRESS CO reports quarterly revenue of $18.9B, net income of $3.0B, an operating margin of 20.0%. Top institutional holders of AXP by reported 13-F value include BERKSHIRE HATHAWAY, BlackRock,, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. AXP trades on the NYSE exchange and files with the SEC under CIK 4962. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate AXP daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for AMERICAN EXPRESS CO directly from SEC EDGAR. AMERICAN EXPRESS CO's 13F Pro composite quality score has ranged between 43 and 79 since 2021, currently 73.2 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.

✦

Fun facts about AMERICAN EXPRESS CO

Quirks, history, and lore behind AXP — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · mega-cap · listed on the NYSE · headquartered in New York City.
2
The Numbers
Annual revenue in the range of $60 billion, driven largely by net interest income and card fees — it serves tens of millions of cardholders worldwide.
3
The History
Founded in 1850 originally as an express mail and freight business — the same era that gave us the Pony Express — before pivoting hard into financial services.
4
The Secret
Unlike most card networks, it actually lends its own money to cardholders and acts as its own bank — making it both the network and the issuer in one.
5
The Lore
It invented the charge card in 1958 and later launched the iconic Centurion Card — the all-black card whispered about at airport lounges — reportedly made of titanium.
6
The Giveaway
Don't leave home without it — their green, gold, and black cards have been in wallets since the Eisenhower era, and Warren Buffett has held a massive stake for decades.

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What's Driving AXP's Business? Latest 10-Q Breakdown

✓ 17/17 datapoints verified

AI-extracted from AMERICAN EXPRESS CO's 10-Q filed 2026-04-23 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income of $3.0B (+15% YoY) driven by 11% revenue growth and 10% billed business acceleration, with strong Card Member acquisition and premium product momentum.

Biggest Revenue Drivers

Total revenue: $18.9B+11% YoY

Discount revenue$9.5B+9% YoY

Increase in billed business of 10%, partially offset by lower average merchant discount rates from geographic and merchant spend mix shifts.

Net interest income$4.7B+13% YoY

Growth in revolving loan balances, partially offset by lower interest rates.

Net card fees$2.8B+18% YoY

Growth in premium card portfolios, high levels of new card acquisitions, strong Card Member retention and ongoing product refreshes.

Service fees and other revenue$2.0B+13% YoY

Foreign-exchange related revenues, network partnership revenue and loyalty coalition-related fees.

Largest Expense Items

Card Member rewards$4.9B+12% YoY

Higher billed business, Membership Rewards and cobrand rewards expenses, and changes to U.S. Business Platinum Membership Rewards program.

Salaries and employee benefits$2.5B+17% YoY

Higher compensation and incentive costs.

Card Member services$2.0B+49% YoY

Higher usage of Card Member benefits and new U.S. Platinum benefits.

Business development$1.6B+4% YoY

Increased partner payments and higher client incentives, partially offset by reserve release from arbitration award.

Margins: Gross margin reflected in net revenues after provisions improved sequentially; operating expense growth of 11% was driven by variable costs tied to higher volumes and strategic investments in U.S. Platinum product refreshes and technology capabilities, partially offset by gains on Swisscard acquisition and international tax reserve releases.

Watch Items from the Filing

Provisions for credit losses increased 9% YoY to $1.3B; reserve release was lower in Q1 2026 vs. Q1 2025, driven by sequential decrease in Card balances and macroeconomic uncertainty, signaling management may build reserves if delinquencies rise.
Commercial Services pretax income declined 2% YoY despite 7% revenue growth; Card balance provision increased 16% YoY due to higher delinquencies and reserve build, suggesting credit quality deterioration in small business segment.
International Card Services pretax income surged 105% to $781M on 20% billed business growth (13% FX-adjusted); acquisition of Swisscard on Jan 12, 2026 contributed intangible assets of $272M and goodwill of $136M, expanding scope.
Litigation exposure ranges from zero to $220M in excess of accruals across disclosed matters including antitrust merchant cases; adverse resolution could materially impair Card Member experience through increased surcharging and steering.
Capital ratio CET1 of 10.5% maintained within target range of 10–11%; returned $2.3B to shareholders (78% of net income) through $1.7B repurchases and $652M dividends; planned transition to Category II firm status in Q2 2026.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$18.9B

Net Income

Q1 2026

$3.0B

Free Cash Flow

Q1 2026

$2.7B

Operating Margin

Q1 2026

20.0%

ROIC

Q1 2026

4.1%

D/E Ratio

Q1 2026

1.78

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+9.5% YoY

$72.23BFY 2025

FY22 $52.86BFY23 $60.52BFY24 $65.95BFY25 $72.23B

Net Income

+7.0% YoY

$10.83BFY 2025

FY22 $7.51BFY23 $8.37BFY24 $10.13BFY25 $10.83B

EPS (Diluted)

+9.8% YoY

$15.38FY 2025

FY22 $9.85FY23 $11.21FY24 $14.01FY25 $15.38

Total Assets

+10.5% YoY

$300.05BFY 2025

FY22 $228.35BFY23 $261.11BFY24 $271.46BFY25 $300.05B

Total Debt

+13.1% YoY

$57.76BFY 2025

FY22 $43.92BFY23 $49.16BFY24 $51.09BFY25 $57.76B

Op. Cash Flow

+31.2% YoY

$18.43BFY 2025

FY22 $21.08BFY23 $18.56BFY24 $14.05BFY25 $18.43B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2020	FY 2019
Revenue	$72.23B +9.5%	$65.95B +9.0%	$60.52B +14.5%	$52.86B +46.5%	$36.09B -17.1%	$43.56B
Net Income	$10.83B +7.0%	$10.13B +21.0%	$8.37B +11.4%	$7.51B +139.7%	$3.13B -53.6%	$6.76B
EPS (Diluted)	$15.38 +9.8%	$14.01 +25.0%	$11.21 +13.8%	$9.85 +161.3%	$3.77 -52.8%	$7.99
Total Assets	$300.05B +10.5%	$271.46B +4.0%	$261.11B +14.3%	$228.35B +19.6%	$191.00B -3.5%	$198.00B
Total Debt	$57.76B +13.1%	$51.09B +3.9%	$49.16B +11.9%	$43.92B -2.0%	$44.83B -30.3%	$64.28B
Operating Cash Flow	$18.43B +31.2%	$14.05B -24.3%	$18.56B -12.0%	$21.08B +277.0%	$5.59B -59.0%	$13.63B

AI Insight: AXP Financial Trends

AXP stabilized net income and cash generation in Q1 2026 despite elevated debt levels rising to $60.4B.

• Net income recovered to $2,971M in Q1 2026 from $2,462M in Q4 2025, reversing prior-quarter decline.

• Operating cash flow averaged $4.3B across last four quarters, demonstrating consistent cash generation.

• Total debt increased to $60.4B in Q1 2026 from $51.1B in Q4 2024, up 18% year-over-year.

⚠ Debt-to-equity ratio deteriorated to 1.78x in Q1 2026 from 1.69x in Q1 2025; monitor leverage trajectory.

⚠ Q4 2025 net income fell to $2.4B despite $19B revenue; margin compression in seasonal quarter warrants attention.

AI Insight: AXP Ratio Trends

AXP shows persistent quarterly volatility masking stable underlying profitability; margins and returns cycle between weak Q4s and stronger mid-year quarters.

• OpMargin and NPM exhibit stark seasonal pattern: Q4 2024 and Q4 2025 both fell to ~16% and 13% respectively, while Q3 peaks reached 36–37% and 28%.

• ROE recovered to 35.0% in Q1 2026 from Q4 2025 trough of 29.4%, consistent with historical mid-quarter strength.

• ROIC stabilized in 16.0–16.7% range across Q2–Q3 2025 and Q1 2026, above Q4 lows of 13.6%, signaling resilience in capital efficiency.

⚠ Q4 quarters consistently underperform: OpMargin compressed to 16% in both 2024 and 2025. Monitor whether this reflects structural seasonality or emerging headwinds.

⚠ Leverage oscillated 1.69–1.85x D/E over last year; Q1 2026 at 1.78x. No clear trend, but monitor if debt load increases amid volatile earnings.

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Available Research

13F Pro tracks comprehensive data for AMERICAN EXPRESS CO including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of AXP

BERKSHIRE HATHAWAY INC
$45.9B151,610,700 sh
BlackRock, Inc.
$12.7B41,910,309 sh
VANGUARD CAPITAL MANAGEMENT LLC
$10.0B33,010,215 sh
STATE STREET CORP
$8.8B29,227,721 sh
GEODE CAPITAL MANAGEMENT, LLC
$4.3B14,166,474 sh
MORGAN STANLEY
$3.9B12,808,752 sh
FMR LLC
$2.8B9,264,998 sh
Fisher Asset Management, LLC
$2.8B9,250,373 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$2.4B7,952,555 sh
BANK OF AMERICA CORP /DE/
$2.2B7,354,574 sh

Fund	Value	Shares
BERKSHIRE HATHAWAY INC	$45.9B	151,610,700
BlackRock, Inc.	$12.7B	41,910,309
VANGUARD CAPITAL MANAGEMENT LLC	$10.0B	33,010,215
STATE STREET CORP	$8.8B	29,227,721
GEODE CAPITAL MANAGEMENT, LLC	$4.3B	14,166,474
MORGAN STANLEY	$3.9B	12,808,752
FMR LLC	$2.8B	9,264,998
Fisher Asset Management, LLC	$2.8B	9,250,373
VANGUARD PORTFOLIO MANAGEMENT LLC	$2.4B	7,952,555
BANK OF AMERICA CORP /DE/	$2.2B	7,354,574

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Is AXP a good stock to buy?

13F Pro's AI-powered analysis of AMERICAN EXPRESS CO (AXP) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for AXP are available on the AXP stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own AXP?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling AXP. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of AMERICAN EXPRESS CO's investment landscape.