American Express Company +

Company

Ticker

AXP

PYPL

Headquarter

New York City ,NY

Purchase ,NY

San Francisco ,CA

San Jose ,CA

CEO

Stephen Joseph Squeri

Michael Miebach

Ryan M. McInerney

Alex Chriss

Industry

Financial - Credit Services

Stock Price

Market Cap

$222.33 B

$536.18 B

$672.98 B

$66.82 B

Employees

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Employees

77.30 K
74.60 K
75.10 K

29.90 K
33.40 K
35.30 K

26.50 K
28.80 K
31.60 K

29.90 K
27.20 K
24.40 K

Y/Y

20.78%

3.49%

0.67%

24.58%

11.71%

5.69%

23.26%

8.68%

9.72%

3.24%

9.03%

10.29%

Income Statement

Revenue

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Revenue

$55.63 B
$67.36 B
$74.20 B

$22.24 B
$25.10 B
$28.17 B

$29.31 B
$32.65 B
$35.93 B

$27.52 B
$29.77 B
$31.80 B

Y/Y

25.2%

21.1%

10.15%

17.76%

12.87%

12.23%

21.59%

11.41%

10.02%

8.46%

8.19%

6.81%

Revenue by Products / Services

Revenue by Geography

Research and Development

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Research and Development

$3.25 B
$2.97 B
$2.98 B

Y/Y

7.08%

8.61%

0.2%

Operating Income

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Operating Income

$9.59 B
$10.51 B
$12.90 B

$12.26 B
$14.01 B
$15.58 B

$18.81 B
$21.00 B
$23.60 B

$3.84 B
$5.03 B
$5.33 B

Y/Y

10.33%

9.68%

22.66%

21.64%

14.22%

11.24%

19.04%

11.62%

12.36%

9.97%

31.04%

5.91%

Tax Rate (%)

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Tax Rate (%)

22.00%
20.00%
21.00%

15.00%
18.00%
16.00%

18.00%
18.00%
17.00%

28.00%
22.00%
22.00%

Y/Y

12.15%

5.83%

5.41%

2.29%

16.67%

12.95%

24.96%

2.05%

2.46%

1745.03%

23.46%

3.02%

Net Income

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Net Income

$7.51 B
$8.37 B
$10.13 B

$9.93 B
$11.20 B
$12.87 B

$14.96 B
$17.27 B
$19.74 B

$2.42 B
$4.25 B
$4.15 B

Y/Y

6.77%

11.45%

20.96%

14.31%

12.74%

15%

21.49%

15.48%

14.3%

41.98%

75.53%

2.33%

Revenue Per Employee

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Revenue Per Employee

$719.60 K
$903.00 K
$988.03 K

$743.71 K
$751.44 K
$797.93 K

$1.11 M
$1.13 M
$1.14 M

$920.33 K
$1.09 M
$1.30 M

Y/Y

3.66%

25.49%

9.42%

5.48%

1.04%

6.19%

1.35%

2.51%

0.27%

12.09%

18.93%

19.06%

Net Income Per Employee

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Net Income Per Employee

$97.21 K
$112.25 K
$134.87 K

$332.11 K
$335.18 K
$364.70 K

$564.42 K
$599.76 K
$624.78 K

$80.90 K
$156.10 K
$169.96 K

Y/Y

22.81%

15.48%

20.15%

8.25%

0.93%

8.81%

1.43%

6.26%

4.17%

40.04%

92.95%

8.88%

Assets & Liabilities | Cash Flow

Total Assets

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Total Assets

$228.35 B
$261.11 B
$271.46 B

$38.72 B
$42.45 B
$48.08 B

$85.50 B
$90.50 B
$94.51 B

$78.62 B
$82.17 B
$81.61 B

Y/Y

21.11%

14.34%

3.97%

2.8%

9.62%

13.27%

3.14%

5.85%

4.43%

3.72%

4.5%

0.68%

Total Liabilities

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Total Liabilities

$203.64 B
$233.05 B
$241.20 B

$32.35 B
$35.45 B
$41.57 B

$49.92 B
$51.77 B
$55.37 B

$58.35 B
$61.12 B
$61.19 B

Y/Y

22.4%

14.44%

3.5%

6.91%

9.6%

17.25%

10.18%

3.7%

6.97%

7.9%

4.74%

0.13%

Capital Expenditures (Capex)

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Capital Expenditures (Capex)

-$1.86 B
-$1.56 B
-$1.91 B

-$1.10 B
-$371.00 M
-$474.00 M

-$970.00 M
-$1.06 B
-$1.26 B

-$706.00 M
-$623.00 M
-$683.00 M

Y/Y

19.68%

15.74%

22.26%

34.77%

66.18%

27.76%

37.59%

9.18%

18.7%

22.25%

11.76%

9.63%

Profitability

Operating Income Margin (%)

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Operating Income Margin (%)

17.23%
15.61%
17.38%

55.15%
55.81%
55.32%

64.19%
64.31%
65.68%

13.94%
16.89%
16.75%

Y/Y

28.39%

9.4%

11.34%

3.3%

1.2%

0.88%

2.09%

0.19%

2.13%

17.02%

21.16%

0.83%

Net Income Margin (%)

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Net Income Margin (%)

13.51%
12.43%
13.65%

44.66%
44.61%
45.71%

51.03%
52.90%
54.95%

8.79%
14.26%
13.04%

Y/Y

25.52%

7.99%

9.81%

2.91%

0.11%

2.47%

0.08%

3.66%

3.88%

46.5%

62.23%

8.56%

EBITDA

2021	12384000000.00
2022	11211000000.00
2023	12164000000.00
2024	14571000000.00

2021	11464000000.00
2022	12953000000.00
2023	15013000000.00
2024	16797000000.00

2021	17380000000.00
2022	19535000000.00
2023	22624000000.00
2024	25591000000.00

2021	5596000000.00
2022	4987000000.00
2023	6830000000.00
2024	6743000000.00

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

EBITDA

$11.21 B
$12.16 B
$14.57 B

$12.95 B
$15.01 B
$16.80 B

$19.54 B
$22.62 B
$25.59 B

$4.99 B
$6.83 B
$6.74 B

Y/Y

9.47%

8.5%

19.79%

12.99%

15.9%

11.88%

12.4%

15.81%

13.11%

10.88%

36.96%

1.27%

Free Cash Flow (FCF)

2021	13095000000.00
2022	19224000000.00
2023	16996000000.00
2024	12139000000.00

2021	8649000000.00
2022	10098000000.00
2023	11609000000.00
2024	14306000000.00

2021	14522000000.00
2022	17879000000.00
2023	19696000000.00
2024	18693000000.00

2021	4889000000.00
2022	5107000000.00
2023	4220000000.00
2024	6767000000.00

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Free Cash Flow (FCF)

$19.22 B
$17.00 B
$12.14 B

$10.10 B
$11.61 B
$14.31 B

$17.88 B
$19.70 B
$18.69 B

$5.11 B
$4.22 B
$6.77 B

Y/Y

46.8%

11.59%

28.58%

16.75%

14.96%

23.23%

23.12%

10.16%

5.09%

4.46%

17.37%

60.36%

Ratios

Return on Equity (ROE)

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Return on Equity (ROE)

30.41%
29.85%
33.47%

157.67%
161.57%
198.52%

42.04%
44.60%
50.45%

11.93%
20.17%
20.31%

Y/Y

16.32%

1.84%

12.13%

32.72%

2.47%

22.87%

28.37%

6.09%

13.12%

37.83%

69.07%

0.69%

Return on Assets (ROA)

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Return on Assets (ROA)

3.29%
3.21%
3.73%

25.64%
26.37%
26.78%

17.49%
19.09%
20.89%

3.08%
5.17%
5.08%

Y/Y

22.95%

2.43%

16.2%

11.19%

2.85%

1.55%

17.78%

9.15%

9.43%

44%

67.86%

1.74%

Debt to Equity

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Debt to Equity

177.74%
175.21%
168.81%

222.66%
226.31%
281.05%

63.10%
54.17%
53.24%

51.38%
45.96%
48.39%

Y/Y

3.67%

1.42%

3.65%

17.12%

1.64%

24.19%

13.06%

14.15%

1.72%

23.39%

10.55%

5.29%

Valuation

Enterprise Value

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Enterprise value

$121.34 B
$140.32 B
$222.15 B

$343.62 B
$409.72 B
$496.86 B

$386.22 B
$484.27 B
$566.73 B

$84.83 B
$68.33 B
$91.14 B

Y/Y

18.27%

15.64%

58.31%

4.94%

19.24%

21.27%

19.37%

25.39%

17.03%

62.34%

19.45%

33.39%

Enterprise value to Revenue

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Enterprise value to Revenue

2.18
2.08
2.99

15.45
16.32
17.64

13.18
14.83
15.78

3.08
2.30
2.87

Y/Y

34.72%

4.51%

43.72%

19.28%

5.64%

8.06%

33.69%

12.55%

6.37%

65.28%

25.55%

24.89%

Enterprise value to EBITDA

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Enterprise value to EBITDA

10.82
11.54
15.25

26.53
27.29
29.58

19.77
21.41
22.15

17.01
10.00
13.52

Y/Y

9.72%

6.58%

32.16%

15.87%

2.88%

8.39%

28.27%

8.27%

3.46%

57.74%

41.19%

35.11%

American Express Company Competitors & Alternatives

Income Statement

Assets & Liabilities | Cash Flow

Profitability

Ratios

Valuation

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