Investors looking for stocks in the Financial - Miscellaneous Services sector might want to consider either American Express (AXP) or Moody's (MCO) . But which of these two stocks is more attractive to value investors? We'll need to take a closer look to find out.Everyone has their own methods for finding great value opportunities, but our model includes pairing an impressive grade in the Value category of our Style Scores system with a strong Zacks Rank. The Zacks Rank favors stocks with strong earnings es ...

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With the Dow Jones Industrial Average in record territory, investors might be struggling to find attractive investment opportunities that are reasonably priced today. But this is why it's smart to dig beneath the surface and analyze individual companies.American Express (AXP 0.60%) is a constituent of the Dow Jones. It's been a huge winner in the past, and it's also hitting all-time highs. But the shares might still deserve your investment dollars.Is this top financial stock a buy, sell, or hold right now? ...

The growth opportunities in financial technology continue to excite investors on Wall Street. Strong buy fintech stocks remain prime investment opportunities despite their outsized returns over the last decade. Many of these companies have earned ‘’strong buy’’ endorsements from some of Wall Street’s top analysts. However, you don’t need their confirmation when you peel back the layer and understand the present market opportunities. Notably, artificial intelligence is expected to be pivotal in their growth ...

Many fintech stocks are trying to lift themselves from the rubble after falling off their peaks in 2021. Not all the financial technology innovators have garnered meaningful momentum, with some continuing to face an existential crisis amid big tech’s move to capture a more significant slice of the digital payments market. These are becoming major hot stocks. These days, it seems like the traditional tech companies are gaining more of an edge over the fintech pure-plays. As an investor looking to capitalize ...

Financial Performance - For the year ended December 31, 2023, worldwide billed business was $1,460 billion, with 80.2 million proprietary cards-in-force worldwide[11]. - Worldwide network services processed volume for the year ended December 31, 2023, was $220.5 billion, with 61.0 million cards-in-force issued by third parties[14]. - The Delta cobrand portfolio represented approximately 10% of worldwide network volumes and about 21% of worldwide Card Member loans as of December 31, 2023[19]. - Travel and entertainment (T&E) expenditures accounted for approximately 28% of the company's worldwide billed business in 2023, indicating sensitivity to economic conditions[105]. - Small business and corporate client spending represented about 43% of the company's worldwide billed business in 2023, highlighting dependence on a favorable economic environment[105]. - Approximately 22% of total revenues net of interest expense were generated from activities outside the United States during 2023[145]. - The interest expense for the year ended December 31, 2023, was approximately $6.8 billion[143]. - Higher delinquency and write-off rates were experienced for the year ended December 31, 2023, compared to the previous year, with expectations for continued increases[141]. - Rising delinquencies and bankruptcy rates may require the company to increase its reserve for credit losses, adversely affecting profitability[141]. Business Strategy and Market Position - American Express focuses on a "spend-centric" business model, generating revenues primarily from card spending, which is higher on average per card compared to network competitors[21]. - The company aims to broaden the appeal of its products to attract Millennial and Gen Z customers, as well as expand its position with small and mid-sized enterprise customers[11]. - American Express aims to expand its leadership in the premium consumer space by enhancing membership benefits and developing experiences for high-spending customers[25]. - The company focuses on evolving its card value propositions and differentiating its corporate card and accounts payable expense management solutions[26]. - The company has developed a wide range of partner relationships, including cobrand arrangements with major corporations like Delta Air Lines and Marriott International[18]. - The Membership Rewards program is crucial for customer value, with major redemption partners being Amazon and Delta[115]. - The company has been investing in growth initiatives to attract new Card Members and retain existing ones, but there is no assurance of continued effectiveness[114]. Workforce and Diversity - As of December 31, 2023, American Express employed approximately 74,600 colleagues, with 26,000 in the United States and 48,600 outside the United States[29]. - In 2023, 91% of colleagues who participated in the annual Colleague Experience Survey recommended American Express as a great place to work[29]. - Women represented 53.2% of the global workforce, while Asian, Black/African American, and Hispanic/Latinx individuals represented 20.6%, 15.6%, and 14.3% of the U.S. workforce, respectively[34]. - The company maintained 100% pay equity in 2023 across genders globally and across races and ethnicities in the United States[34]. Regulatory and Compliance - The Company is subject to comprehensive consolidated supervision and regulation by the Federal Reserve and the Office of the Comptroller of the Currency (OCC)[52]. - The company is cooperating with governmental investigations related to certain historical sales practices, which may lead to increased regulatory scrutiny and potential fines[49]. - The company is subject to significant anti-money laundering (AML) and countering the financing of terrorism (CFT) regulations, with heightened scrutiny in certain EU Member States[96]. - Compliance with various international economic sanctions is critical, as failure to adhere could lead to serious legal and reputational consequences[98]. - The company faces complex anti-corruption laws, including the U.S. Foreign Corrupt Practices Act, which could expose it to severe penalties for non-compliance[99]. - The company is subject to evolving and extensive government regulation and supervision, with substantial compliance costs[48]. - Recent regulatory scrutiny has increased, particularly regarding capital levels and liquidity standards, which may affect the company's financial condition[127]. Technology and Cybersecurity - American Express leverages technology to enhance product differentiation and improve service capabilities, ensuring a high-quality customer experience[10]. - The Technology Risk and Information Security (TRIS) program is designed to ensure the security, confidentiality, integrity, and availability of information systems, employing advanced security technology and a highly trained team[148]. - The company has experienced a significant increase in information security and cybersecurity risk in recent years, similar to other global financial institutions, and continues to invest in enhancements to its cybersecurity capabilities[150]. - The company maintains cyber insurance, but there is no assurance that liabilities or losses will be adequately covered[124]. - Cybersecurity risks related to third parties are managed through a Third Party Management Policy, which includes guidelines for identifying, measuring, and monitoring risks associated with third-party relationships[150]. Economic and Market Conditions - The ongoing geopolitical tensions, including the Russia-Ukraine conflict and Israel-Hamas war, have created economic uncertainty and market disruptions, potentially impacting the company's operations[106]. - The company suspended business operations in Russia and Belarus following the Russian invasion of Ukraine, reflecting the impact of geopolitical events on its business strategy[106]. - Economic factors such as inflation, unemployment rates, and consumer confidence are critical drivers of the company's profitability and operational results[105]. - The impact of the COVID-19 pandemic continues to create uncertainty in the macroeconomic outlook, influencing consumer and business behaviors[106]. - Adverse market conditions could significantly affect the company's access to capital and liquidity needs[144]. Environmental, Social, and Governance (ESG) - The company has an Environmental, Social and Governance (ESG) strategy focusing on building financial confidence, advancing climate solutions, and promoting diversity, equity, and inclusion[27]. - Climate change poses physical risks that could disrupt operations and negatively impact customer spending behaviors, leading to potential market volatility[138]. - The company may face increased expenses and reputational harm due to climate-related obligations and regulatory scrutiny as part of its ESG strategy[139]. - Increased scrutiny related to ESG goals could result in litigation and other adverse consequences for the company[118]. Competitive Landscape - The company faces intense competition in the premium space and for cobrand relationships, targeting high-spending customers with attractive value propositions[44]. - The company competes with various payment mechanisms, including digital payments, mobile wallets, and alternative financing solutions[43]. - The company is impacted by the rapid growth of alternative payment mechanisms, including digital currencies and buy now, pay later products[45]. - The principal competitive factors include product features, brand recognition, customer spending characteristics, and the quality of establishments where cards can be used[45].

In the past five years, American Express (AXP 1.67%) stock has doubled, climbing 100% (as of Feb. 2). This fantastic gain translates to a roughly 15% compound annual growth rate, a return that outperformed the broader S&P 500.This credit card issuer and payments network has performed well for investors in the past. But where will American Express be in five years? There are lots of reasons to be optimistic.Where the business will beWith technological innovation moving faster and faster these days, most rece ...

NEW YORK--(BUSINESS WIRE)--The Argentine Football Association (AFA) and American Express (NYSE: AXP) celebrated an expansion of their sponsorship agreement today at Amex's New York headquarters. American Express became a Global Sponsor of the Argentine National Teams through 2026, including the World Champions (Men’s National Team), Women's National Team, and Youth National Teams. The presentation of the agreement had the notable presence of the coach of the Argentine National Team, Mr. Lionel Scaloni. Th ...

American Express (AXP -0.23%) reported its 2023 fourth quarter financials not too long ago, and based on the market's positive reaction, the numbers were well-received. Investors were probably excited about the guidance that was given.This momentum is part of the reason why shares are up 71% in the last three years (as of Feb. 2). This gain far outpaces the 30% rise of the S&P 500.Can the good times keep rolling for this top financial stock? Find out what the bulls and bears say about AmEx before figuring o ...