American Express (AXP) FCF Payout Ratio (2010 - 2026)

American Express (AXP) posted FCF Payout Ratio of 0.15 for Q2 2026, down 32.3% sequentially from 0.22 in Q1 2026, and down 6.11% YoY from 0.16 in Q2 2025.

American Express (AXP) FCF Payout Ratio (2010 - 2026) Analysis & Trends

American Express has reported FCF Payout Ratio for 17 years, with the latest figure at 0.15 in Q2 2026.

  • Quarterly FCF Payout Ratio fell 6.11% year-over-year to 0.15 in Q2 2026, while the trailing twelve-month figure through Jun 2026 was 0.16 (down 16.28% YoY) and the FY2025 annual result came in at 0.14, down 13.82% from the prior year.
  • FCF Payout Ratio eased to 0.15 in Q2 2026 per AXP's latest filing, from 0.22 in the prior quarter.
  • Over five years, FCF Payout Ratio peaked at 0.25 in Q4 2025 and troughed at 0.55 in Q1 2023.
  • A 5-year average of 0.06 and a median of 0.1 in 2025 frame the typical range for FCF Payout Ratio.
  • The sharpest annual moves came in 2023 and 2025: FCF Payout Ratio tumbled 646.82% in 2023, then surged 157.53% in 2025.
  • Over 5 years, FCF Payout Ratio stood at 0.05 in 2022, then surged by 39.95% to 0.07 in 2023, then surged by 34.87% to 0.1 in 2024, then soared by 157.53% to 0.25 in 2025, then sank by 40.2% to 0.15 in 2026.
  • According to Business Quant data, FCF Payout Ratio over the past three periods registered 0.15, 0.22, and 0.25 for Q2 2026, Q1 2026, and Q4 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF Cover (Qtr)
1 Visa 618.21 Bn 605.85 Bn - 0.21
2 Mastercard 506.53 Bn 493.04 Bn - 0.22
3 American Express 232.32 Bn 183.00 Bn 17.99 Bn 0.15
4 Capital One Financial 136.19 Bn 81.48 Bn - 0.06
5 PayPal Holdings 52.34 Bn 41.08 Bn - 0.07
6 Eason Technology 35.89 Bn 35.89 Bn - -
7 Synchrony Financial 26.09 Bn 9.90 Bn - 0.04
8 Affirm Holdings 25.93 Bn 24.20 Bn - -
9 SoFi Technologies 23.04 Bn 22.68 Bn -41.62 Mn -
10 Ally Financial 13.61 Bn 5.77 Bn 2.08 Bn 0.07

Historic Data

Download Data
DateValue
Jun 30, 2026 0.15
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