American Express (AXP) Buy, Sell or Hold

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American Express (AXP)

326.17

-14.67 (4.30%)

as of Jul 24, 2026, 8:00:00 pm Market Open.

172 watching

Investor Insights

Jul 25, 2026, 12:00 am

This summary was created by AI, based on 9 opinions in the last 12 months.

American Express (AXP) stands out in the payments industry for its unique banking structure and a distinct relationship with both customers and merchants, providing a high-end customer base. Analysts note a promising growth trajectory, with a respectable earnings growth rate of approximately 10% and a double-digit return on equity. Despite some concerns over AI’s impact and increased competition, many experts believe that AXP has excellent data on customer behaviors and trends, positioning the company well to leverage AI benefits. Although the stock trades at a higher price-to-earnings ratio compared to historical values, its growth potential and solid fundamentals prompt some analysts to consider it a buy, particularly during post-earnings dips. Overall, AXP’s stability amidst economic pressures and its ongoing strategic initiatives highlight its potential as an investment opportunity.

Consensus

Buy

Valuation

Fair Value

Similar

TOP PICK

Have a lot of the credit concerns behind them. Theoretically they are dealing in the wealthier segment of the market. In the last 4 years, the have spent any excess capital into their technology. Thinks they are going to make some really big strides in mobile payments, digital processing and that whole area. Yield of 1.34%.

COMMENT

This is a different model from MasterCard (MC-N) and Visa (V-N). This is a charge card and the others are credit cards. The other 2 have done quite a bit better than this one.

DON'T BUY

Credit card companies have had a big run and Visa has done spectacularly. We are seeing a decrease in savings rate in US again. People are paying down their credit cards with lines of credit, which is not a net reduction in personal debt. Going into next year you are going to start to see a fiscal drag on the economy. That is a big market for the credit card companies. Fewer transactions and more delinquencies. Don’t go into this space.

PAST TOP PICK

(A Top Pick July 22/11. Down 3.17%.)

TOP PICK

Record card member spending. Up 6% in the US. Up 20+% overseas. Credit card losses are collapsing. They customers are higher end consumers and pay off their bills normally. Earnings are booming.

BUY

This one is an exception in that anything doing with US financials has not done well. Had a major sell off in 2008 followed by a wonderful recovery in 2009. Has now stayed in a narrow trading range followed by a breakout this year and looks like it is starting a new major up leg.

HOLD

5.9% Cdn$ bond maturing April 2013. Hold or sell?

BUY

Very well priced and trading at about 11-12 times earnings. Earnings are growing at about 11%. (See Top Picks.)

DON'T BUY

Trading at 29X forward earnings and under 10X price to cash flow. Considers this in the bank sector and he wants only the best bank/firm in this space such as Bank of America (BAC-N) or Goldman Sachs (GS-N). He owns both.

DON'T BUY

Has no exposure to credit card companies. There is a case to be made for global growth with either Visa (V-N) or American Express (AXP-N) but with savings rates rising, there could be a bit of a challenge from an earnings standpoint. Would prefer asset managers that could participate from a fee standpoint, or a custodian such as State Street (STT-N).

DON'T BUY

Not particularly enamoured with this company. Credit card defaults are probably going to take a little more centre stage in the US over the next little while.

DON'T BUY

Expect it could run out of gas like many of the financials. Will be completely dependent on the economy. Prefers Visa (V-N) because it does not have the credit risks.

BUY

Has a great deal of strength. Revenue in transaction business and brokerage.

DON'T BUY

Hit along with all financial service companies. US credit card companies are having higher and rising default rates. Theirs is not just a transaction card but also a credit card.

TOP PICK

Great brand that will be around for 7 or 10 years at least, trading at under 10 times earnings – its lowest in history. Even if we get default rates up to 7 or 8%, they will probably make $2 per share and then up to 3.50 or $4.

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American Express (AXP)