6 analysts have expressed a variety of opinions on American Express (NYSE:AXP) over the past quarter, offering a diverse set of opinions from bullish to bearish.

In the table below, you'll find a summary of their recent ratings, revealing the shifting sentiments over the past 30 days and comparing them to the previous months.

	Bullish	Somewhat Bullish	Indifferent	Somewhat Bearish	Bearish
Total Ratings	1	1	3	0	1
Last 30D	0	0	0	0	1
1M Ago	0	0	3	0	0
2M Ago	1	1	0	0	0
3M Ago	0	0	0	0	0

In the assessment of 12-month price targets, analysts unveil insights for American Express, presenting an average target of $383.33, a high estimate of $425.00, and a low estimate of $328.00. This upward trend is apparent, with the current average reflecting a 5.12% increase from the previous average price target of $364.67.

Decoding Analyst Ratings: A Detailed Look

The perception of American Express by financial experts is analyzed through recent analyst actions. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.

Analyst	Analyst Firm	Action Taken	Rating	Current Price Target	Prior Price Target
Vincent Caintic	BTIG	Maintains	Sell	$328.00	$328.00
Richard Shane	JP Morgan	Raises	Neutral	$385.00	$360.00
Moshe Orenbuch	TD Cowen	Raises	Hold	$375.00	$350.00
Terry Ma	Barclays	Raises	Equal-Weight	$367.00	$355.00
Brian Foran	Truist Securities	Raises	Buy	$420.00	$395.00
Donald Fandetti	Wells Fargo	Raises	Overweight	$425.00	$400.00

Key Insights:

• Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to American Express. This information offers a snapshot of how analysts perceive the current state of the company.
• Rating: Unveiling insights, analysts deliver qualitative insights into stock performance, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of American Express compared to the broader market.
• Price Targets: Analysts predict movements in price targets, offering estimates for American Express's future value. Examining the current and prior targets offers insights into analysts' evolving expectations.

Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into American Express's market standing. Stay informed and make well-considered decisions with our Ratings Table.

Stay up to date on American Express analyst ratings.

Get to Know American Express Better

American Express is a global financial institution, operating in about 130 countries, that provides consumers and businesses charge and credit card payment products. The company also operates a highly profitable merchant payment network. It operates in four segments: US consumer services, US commercial services, international card services, and global merchant and network services. In addition to payment products, the company's commercial business offers expense management tools, consulting services, and business loans.

Breaking Down American Express's Financial Performance

Market Capitalization Analysis: The company's market capitalization is above the industry average, indicating that it is relatively larger in size compared to peers. This may suggest a higher level of investor confidence and market recognition.

Positive Revenue Trend: Examining American Express's financials over 3M reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 3.01% as of 31 December, 2025, showcasing a substantial increase in top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Financials sector.

Net Margin: American Express's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of 12.8%, the company may encounter challenges in effective cost control.

Return on Equity (ROE): American Express's ROE stands out, surpassing industry averages. With an impressive ROE of 7.37%, the company demonstrates effective use of equity capital and strong financial performance.

Return on Assets (ROA): American Express's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 0.81%, the company may face hurdles in achieving optimal financial performance.

Debt Management: With a below-average debt-to-equity ratio of 1.73, American Express adopts a prudent financial strategy, indicating a balanced approach to debt management.

Understanding the Relevance of Analyst Ratings

Ratings come from analysts, or specialists within banking and financial systems that report for specific stocks or defined sectors (typically once per quarter for each stock). Analysts usually derive their information from company conference calls and meetings, financial statements, and conversations with important insiders to reach their decisions.

Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.

This article was generated by Benzinga's automated content engine and reviewed by an editor.