American Express (AXP) FCF Payout Ratio (2010 - 2026)
American Express' (AXP) quarterly FCF Payout Ratio came in at 0.22 in Q1 2026, up 86.97% year-on-year from 0.12 in Q1 2025, and down 11.68% quarter-over-quarter from 0.25 in Q4 2025.
American Express (AXP) FCF Payout Ratio (2010 - 2026) Analysis & Trends
American Express has disclosed FCF Payout Ratio across 17 years of filings, most recently posting 0.22 for Q1 2026.
- FCF Payout Ratio for Q1 2026 came in at 0.22, up 86.97% year-over-year; the trailing twelve-month figure through Mar 2026 was 0.16 (down 9.89% YoY), and the FY2025 annual result was 0.14, down 13.82% from the prior year.
- FCF Payout Ratio came in at 0.22 for Q1 2026 at American Express, down from 0.25 in the prior quarter.
- In the past five years, FCF Payout Ratio ranged from a high of 0.25 in Q4 2025 to a low of 0.55 in Q1 2023.
- The 5-year median for FCF Payout Ratio is 0.1 (2022), against an average of 0.06.
- Across the five-year window, FCF Payout Ratio tumbled 646.82% in 2023 and soared 157.53% in 2025, its largest moves.
- American Express' FCF Payout Ratio stood at 0.05 in 2022, then soared by 39.95% to 0.07 in 2023, then soared by 34.87% to 0.1 in 2024, then jumped by 157.53% to 0.25 in 2025, then retreated by 11.68% to 0.22 in 2026.
- The last three FCF Payout Ratio figures came in at 0.22 (Q1 2026), 0.25 (Q4 2025), and 0.11 (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 0.49 |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 0.28 |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 0.22 |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 0.09 |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 0.14 |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 0.01 |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | - |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | - |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 0.02 |
| 10 | Credit Acceptance | 6.24 Bn | 6.21 Bn | 562.70 Mn | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 0.22 |
| Dec 31, 2025 | 0.25 |
| Sep 30, 2025 | 0.11 |
| Jun 30, 2025 | 0.16 |
| Mar 31, 2025 | 0.12 |
| Dec 31, 2024 | 0.10 |
| Sep 30, 2024 | -0.23 |
| Jun 30, 2024 | 0.13 |
| Mar 31, 2024 | 0.09 |
| Dec 31, 2023 | 0.07 |
| Sep 30, 2023 | 0.06 |
| Jun 30, 2023 | 0.13 |
| Mar 31, 2023 | -0.55 |
| Dec 31, 2022 | 0.05 |
| Sep 30, 2022 | 0.10 |
| Jun 30, 2022 | 0.11 |
| Mar 31, 2022 | 0.10 |
| Dec 31, 2021 | 0.08 |
| Sep 30, 2021 | 0.10 |
| Jun 30, 2021 | 0.12 |