American Express Company — Earnings Quality Grade B
AXP · Financial Services
Generally healthy
Screening Summary
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 9.5%, CFFO 31.2%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 26.9% is >2x revenue growth 9.5%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.70. Profits backed by cash
FCF $16.0B, FCF/NI = 1.48
Accruals ratio = -2.5%. Low accruals
Cash $47.7B covers 83% of debt $57.8B
Balance Sheet Health
Goodwill+Intangibles $5.0B = 15% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 15% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
American Express Company is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-09