- American Express reported a charge-off rate of 2.1% for November 2025. This means 2.1% of credit card debt was deemed as unlikely to be collected.
- The delinquency rate for American Express in November was 1.4%. This measures the percentage of accounts with overdue payments.
- Analyst recommendations for American Express include 13 buying recommendations, indicating confidence in the stock.
- There are 19 hold recommendations, suggesting that many analysts advise neither buying nor selling the stock at this time.
- Only 2 selling recommendations were made, implying limited expectation for a decline in the stock’s value.
American Express Co on Smartkarma
Analyst coverage of American Express Co on Smartkarma reveals valuable insights from a recent research report titled “Primer: American Express Co (AXP US) – Sep 2025″ by Ξ±SK. The report highlights American Express’ unique closed-loop model that drives profitability by providing end-to-end control over the value chain, fostering direct relationships with customers and merchants, and generating superior revenue per transaction compared to competitors. The company’s premium brand and affluent customer base in the consumer and corporate segments contribute to its strong growth, though competition from open-loop networks and fintech players poses challenges. The report notes that the stock’s current valuation reflects much of this positive outlook, potentially limiting near-term upside.
A look at American Express Co Smart Scores
| Factor | Score | Magnitude |
|---|---|---|
| Value | 2 | |
| Dividend | 2 | |
| Growth | 4 | |
| Resilience | 3 | |
| Momentum | 5 | |
| OVERALL SMART SCORE | 3.2 |
Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma
American Express Company’s long-term outlook shows a promising trajectory, as indicated by the Smartkarma Smart Scores. With a growth score of 4 and momentum score of 5, the company appears poised for expansion and strong performance in the market. This bodes well for potential future profitability and market presence.
While the value and dividend scores are moderate at 2, both the resilience and momentum scores stand at 3 and 5, respectively. This indicates that American Express Co is adequately positioned to weather challenges and capitalize on market trends. Overall, the company’s strategic positioning in the payment and travel industry, coupled with favorable growth and momentum scores, signal a positive long-term outlook for American Express Co.
Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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