Core Insights - American Express Company (AXP) is valued at a market cap of $237.8 billion and is known for its charge cards, credit cards, and travel services [1] - The company is set to announce its fiscal Q3 earnings for 2025 on October 17, 2023 [1] Earnings Expectations - Analysts anticipate AXP to report a profit of $3.93 per share for Q3 2025, reflecting a 12.6% increase from $3.49 per share in the same quarter last year [2] - For fiscal 2025, the expected profit is $15.25 per share, up 14.2% from $13.35 per share in fiscal 2024, with further growth projected to $17.41 in fiscal 2026 [3] Stock Performance - AXP shares have increased by 27.4% over the past 52 weeks, outperforming the S&P 500 Index's 15.6% rise and the Financial Select Sector SPDR Fund's 19.6% return [4] - Despite a 2.4% drop on July 18, the company reported a record Q2 revenue of $17.9 billion, a 9.3% year-over-year increase, and an adjusted EPS of $4.08, which grew 16.9% from the prior year [5] Analyst Ratings - Wall Street analysts maintain a "Moderate Buy" rating for AXP, with 30 analysts covering the stock: 8 recommend "Strong Buy," 2 suggest "Moderate Buy," 18 indicate "Hold," and 2 advise "Strong Sell" [6] - The current trading price is above the mean price target of $326.04, with a Street-high price target of $375 indicating a potential upside of 9.8% [6]

Group 1 - American Express has generated a total return of 233% over the past five years, significantly outperforming the S&P 500 index [1] - The company primarily targets an affluent customer base through its charge cards, which require cardholders to pay their balances in full each month [3] - American Express earns revenue from discount fees collected from merchants, totaling $9.4 billion in Q2 2025 [4] Group 2 - The company also generates substantial fee revenue, with annual fees for popular cards like the Platinum and Gold amounting to $695 and $325, respectively, resulting in $2.5 billion in fee revenue in the latest quarter [5] - Combined, fee and discount revenue accounted for 66% of American Express's total revenue in Q2 [5] - The business model benefits from higher-income consumers who tend to spend more, directly impacting the company's revenue [6]