American Express today
American Express
As of 04/25/2025 03:59 pm
- 52 weeks
- $ 220.43
▼
326.28 dollars
- Profit
- 1.24 %
- P/E ratio.
- 18.90
- The target price
- $ 295.05
American Express Nyse: axp It is a reduction above the rest when it comes to credit card and fees. They meet a richer customer base, consisting of the millennial generation and Gen Zers who want to spend money on travel and entertainment. Despite fears of the recession that waves on the horizon, American Express mentioned the first quarter of 2025 Results that show any signs of slowdown.
Even if the recession occurs, the company is stored thanks to its wealthy customer base. The American Express Platinum Card member has a monthly family income of $ 400,000.
this It makes the company more fortified against economic fluctuations. However, this financial sector leader offers more than just cards. American Express competes with major credit card networks Visa Inc. Nyse: v and MasterCard Inc. Nyse: ma.
2025 started a strong start for America Express
The first quarter of 2025 provided a lot of comfort for the shareholders who were concerned about the company that suffers from a decline in consumer spending. The company published Arrow profits of $ 3.64Overcoming consensus estimates by 17 cents. Revenue grew by 7.4 % on an annual basis (YO) to $ 16.97 billion, overcoming consensus estimates of $ 16.94 billion.
The unified rulings of credit losses fell to $ 1.2 billion. Unified expenditures increased by 10 % on an annual basis to $ 12.5 billionPayed at the costs of sharing the changing customers higher. The purpose of the net Q1 2.1, which was on an annual flat, was flat. The American Express added 3.4 million new cards, as the millennial generation and GEN-Z customers represent more than 60 % of the new accounts.
Travel and entertainment measures continue to grow
Despite the recession fears, the American Express customer base did not appear any cracks in shields during the first quarter of 2025. In its business and entertainment work, restaurant spending increased by 7 %, housing spending increased by 5 %, and spending on airlines increased by 3 % on an annual basis.
American Express increased its financial services
Although consumers may think that the American Express is still a credit card company, the fact is that they have increased their services. They even have a bank charter through the National Express (ANEB) of the insured FDIC. This enables them to provide banking services, including verification of accounts, high -yield savings accounts, as well as personal and commercial loans and credit lines.
Firm travel services include travel, insurance and car rental agents with access to various high -end hotels and resorts. The rewards program is also a great cloud, enabling customers to earn AmeX points towards products, services, trips and access to entertainment.
The company has evolved into a power of financial services. The net interest income, respectively, increased from $ 3 billion in the first quarter of 2023 to $ 4.17 billion in the first quarter of 2025, an increase of 11 % on an annual basis.
Growth with the company: the production of generations’ customers
Today’s American Express shares
$ 295.05
Hold
Based on 24 analyst classification
| The current price | 264.79 dollars |
|---|---|
| High expectations | $ 370.00 |
| Average expectations | $ 295.05 |
| Low expectations | 235.00 dollars |
American Express stock forecast details
American Express has a richer and smaller customer base. This leaves a lot of field for growth, and the company offers many promotions as young customers offer their career. Access to its different different cards depends on the customer’s income, dozens of credit and spending habits.
Since clients are rich and more rich in building their credit history, they can receive calls for upgrade to distinct cards with a higher level such as gold, platinum or one hundred cards.
These cards come with annual fees and a lot of additional privileges. For example, the gold card contains An annual fee of $ 325, but it offers 4X points For some travel and entertainment categories.
The Platinum card contains an annual membership of $ 695 with many advantages, such as 5x Points and access to the American Express Global Lounge in selected airports. The cards fee for Q1 2025 increased by 18 % year on an annual basis to $ 2.3 billion.
The millennial generation and GEN-Z agents offered about 35 % of the US card members spending in the first quarter. GEN-X 36 % consists, and children’s births consists 29 % of Q1 2025 spending.
The American Express reaffirm 2025 directions with a few definitions
The company released The share profit number of 2025 per year is $ 15.00 to $ 15.50 or an EPS growth from 12 % to 16 %. Revenue is expected to grow by 8 % to 10 %, taking into account the macroeconomic environment. Expectations include peak unemployment rate of 5.7 %. The spending trends in the second quarter are expected to be identical to the first quarter of 2025.
The collective call mentioned only the customs tariff in one way during the question and answers session regarding their business sectors will face the most pressure if the sharp tariff follows.
CFO Stephen Squeri replied that small companies will be more sensitive, “and so, but small companies, I think Small companies are companies that we will pay more attention toJust because the costs may not happen – it can be placed in a position that will not be able to compete effectively in the market. Therefore, we will continue to look at small companies with the development of this position. “
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