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AMERICAN EXPRESS CO

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AXPCIK 000000496219 fiscal years, 69 SEC filingsBank lens ↓

RevenueFY2025

$72.23B9.5%

Net incomeFY2025

$10.83B7.0%

Free cash flowFY2025

$16.00B31.8%

Diluted EPSFY2025

$15.389.8%

Trends

FY2008–FY2025 · hover a year for its filing

Revenue & net incomeRevenueNet income

revenue 2.5× since FY2008 · net margin 9.5% → 15.0%

MarginsNet marginFCF margin

FY2025: net 15.0% · free cash flow 22.2% of revenue

Cash flowOperating cash flowFree cash flow

FY2025: $18.43B operating cash − $2.42B capex = $16.00B free cash flow

Returns on capitalReturn on equityReturn on assets

return on equity 23% (FY2008) → 32% (FY2025) · on assets 3.6%

Balance sheetLiabilitiesEquity

FY2025: $300.05B assets · $266.58B liabilities · $33.47B equity

Financial statements

Annual Quarterly

USD millions, except per-share values; share counts in millions. Click a value to open its filing; hover for the XBRL tag.

USD millions	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014
Revenue	72,229	65,949	60,515	52,862	42,380	36,087	43,556	40,338	36,878	35,438	32,818	—
Net income	10,833	10,129	8,374	7,514	8,060	3,135	6,759	6,921	2,748	5,375	5,163	5,885
Diluted EPS	15.38	14.01	11.21	9.85	10.02	3.77	7.99	—	—	—	—	—
Diluted shares	696	713	736	752	790	806	830	859	886	935	1,003	1,051
Operating cash flow	18,428	14,050	18,559	21,079	14,645	5,591	13,632	8,930	13,540	8,291	10,706	10,990
Capital expenditures	2,425	1,911	1,563	1,855	1,550	1,478	1,645	1,310	1,062	1,375	1,341	1,195
Free cash flow	16,003	12,139	16,996	19,224	13,095	4,113	11,987	7,620	12,478	6,916	9,365	9,795
Cash & equivalents	47,792	40,640	46,596	33,914	22,028	32,965	24,446	27,808	33,263	—	—	—
Total assets	300,052	271,461	261,108	228,354	188,548	191,367	198,321	188,602	181,196	158,893	161,184	159,103
Total liabilities	266,578	241,197	233,051	203,643	166,371	168,383	175,250	166,312	162,935	138,392	140,511	138,430
Shareholders' equity	33,474	30,264	28,057	24,711	22,177	22,984	23,071	22,290	18,261	20,501	20,673	20,673

As reported in SEC filings; a missing tag shows “—”, never zero. Free cash flow is operating cash flow − capex. Methodology

Bank lens

Metrics specific to banks. Annual figures, in USD millions; ratios in percent.

USD millions	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014
Interest income	25,598	23,795	19,983	12,658	9,033	10,083	12,084	10,606	8,563	7,484	7,545	7,179
Interest expense	—	—	6,849	2,763	1,283	2,098	3,464	2,943	2,112	1,705	1,623	1,707
Net interest income	17,364	15,543	13,134	9,895	7,750	7,985	8,620	7,663	6,451	5,779	5,922	5,472
Noninterest income	54,865	50,406	47,381	42,967	34,630	28,102	34,936	32,675	30,427	29,659	26,896	28,716
Noninterest expense	53,178	47,869	45,079	41,095	33,110	27,061	31,554	28,864	26,693	25,369	22,892	23,153
Provision for credit losses	—	—	—	—	—	—	3,573	3,352	2,760	2,027	1,988	2,044
Efficiency ratio	73.6%	72.6%	74.5%	77.7%	78.1%	75.0%	72.4%	71.6%	72.4%	71.6%	69.8%	67.7%

Net interest income uses the reported InterestIncomeExpenseNet tag, falling back to interest income − interest expense where a filing didn't tag it (hover a value to see which). Other rows are as reported. The efficiency ratio, noninterest expense ÷ (net interest income + noninterest income), is computed by stonks for full fiscal years only.