KPIs & Operating Metrics(New)
Balance Sheet
Cash Flow Statement
Daily Values
Growth Metrics
Income Statement
Others
Ratios
Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

American Express (AXP) Net Margin (2016 - 2025)

American Express (AXP) has disclosed Net Margin for 15 consecutive years, with 12.97% as the latest value for Q4 2025.

  • Quarterly Net Margin rose 34.0% to 12.97% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 15.0% through Dec 2025, down 36.0% year-over-year, with the annual reading at 15.0% for FY2025, 36.0% down from the prior year.
  • Net Margin hit 12.97% in Q4 2025 for American Express, down from 15.75% in the prior quarter.
  • In the past five years, Net Margin ranged from a high of 24.66% in Q1 2021 to a low of 11.09% in Q4 2022.
  • Historically, Net Margin has averaged 15.61% across 5 years, with a median of 15.15% in 2024.
  • Biggest five-year swings in Net Margin: skyrocketed 2110bps in 2021 and later crashed -760bps in 2022.
  • Year by year, Net Margin stood at 14.15% in 2021, then dropped by -22bps to 11.09% in 2022, then grew by 10bps to 12.23% in 2023, then grew by 3bps to 12.63% in 2024, then rose by 3bps to 12.97% in 2025.
  • Business Quant data shows Net Margin for AXP at 12.97% in Q4 2025, 15.75% in Q3 2025, and 16.16% in Q2 2025.