American Express (AXP) FCF Margin (2010 - 2026)
American Express (AXP) posted FCF Margin of 14.04% for Q1 2026, up 13.66% sequentially from 12.36% in Q4 2025, and down 1150.0% YoY from 1.34% in Q1 2025.
American Express (AXP) FCF Margin (2010 - 2026) Analysis & Trends
American Express (AXP) has 17 years of FCF Margin data on file, last reported at 14.04% in Q1 2026.
- Quarterly FCF Margin fell 1150.0% year-over-year to 14.04% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 19.31% (up 245.0% YoY) and the FY2025 annual result came in at 22.16%, up 375.0% from the prior year.
- FCF Margin climbed to 14.04% in Q1 2026 per AXP's latest filing, from 12.36% in the prior quarter.
- The five-year high for FCF Margin was 55.86% in Q4 2022, with the low at 13.63% in Q3 2024.
- Average FCF Margin over 5 years is 25.31%, with a median of 28.42% recorded in 2022.
- Year-over-year, FCF Margin slumped 6462 bps in 2024 and jumped 4390 bps in 2025.
- American Express' FCF Margin stood at 55.86% in 2022, then declined by 28 bps to 40.15% in 2023, then decreased by 23 bps to 30.75% in 2024, then tumbled by 60 bps to 12.36% in 2025, then climbed by 14 bps to 14.04% in 2026.
- Business Quant data shows AXP's FCF Margin at 14.04% in Q1 2026, 12.36% in Q4 2025, and 30.28% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 23.37% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 33.56% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 14.04% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 10.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 6,779.64% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | -216.52% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 65.22% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 46.37% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.37% |
| 10 | Sezzle | 5.91 Bn | 5.79 Bn | - | 65.41% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 14.04% |
| Dec 31, 2025 | 12.36% |
| Sep 30, 2025 | 30.28% |
| Jun 30, 2025 | 20.97% |
| Mar 31, 2025 | 25.54% |
| Dec 31, 2024 | 30.75% |
| Sep 30, 2024 | -13.63% |
| Jun 30, 2024 | 24.29% |
| Mar 31, 2024 | 32.63% |
| Dec 31, 2023 | 40.15% |
| Sep 30, 2023 | 50.99% |
| Jun 30, 2023 | 23.56% |
| Mar 31, 2023 | -5.16% |
| Dec 31, 2022 | 55.86% |
| Sep 30, 2022 | 29.99% |
| Jun 30, 2022 | 28.42% |
| Mar 31, 2022 | 29.25% |
| Dec 31, 2021 | 37.36% |
| Sep 30, 2021 | 33.88% |
| Jun 30, 2021 | 28.26% |