Should I buy American Express stock in 2025?
Is it the right time to buy American Express?
ScoreAs of July 3, 2025, American Express (AXP) is trading near its all-time high at approximately $328.08, with an average daily trading volume of 3.26 million shares. The company’s robust year-to-date performance (+10.54%) and strong one-year return (+39.19%) underscore continued confidence from investors in the financial services sector, particularly as Amex extends its premium card offerings and innovates across digital channels. Recent initiatives, such as the successful launch of a Coinbase credit card and a 17% dividend increase, have reinforced American Express’s reputation for adaptability and shareholder returns. Notably, the company’s Q1 2025 results exceeded market expectations, driven by solid revenue growth and stable credit quality, even amidst minor economic headwinds and rising competition from other major issuers. While the overbought RSI suggests recent bullishness, technical and fundamental signals remain constructive. In the current climate where established financial institutions with digital innovation are prized, American Express stands out. Based on the consensus of more than 15 leading national and international banks, the calculated price target stands at $426.50, reflecting optimism around further expansion and disciplined management in 2025.
- ✅Strong year-over-year growth in revenue (+7%) and earnings per share (+9%).
- ✅Dominant presence in the premium credit cards market segment.
- ✅Successful product innovation, including a leading mobile app and crypto partnership.
- ✅Appeal to Millennials and Gen-Z, supporting future customer growth.
- ✅Solid capital returns with a recent 17% dividend increase and high ROE (34.27%).
- ❌Increasing competition in the premium market from large US banks.
- ❌Revenue somewhat sensitive to consumer spending cycles and credit conditions.
Score- ✅Strong year-over-year growth in revenue (+7%) and earnings per share (+9%).
- ✅Dominant presence in the premium credit cards market segment.
- ✅Successful product innovation, including a leading mobile app and crypto partnership.
- ✅Appeal to Millennials and Gen-Z, supporting future customer growth.
- ✅Solid capital returns with a recent 17% dividend increase and high ROE (34.27%).
Is it the right time to buy American Express?
- ✅Strong year-over-year growth in revenue (+7%) and earnings per share (+9%).
- ✅Dominant presence in the premium credit cards market segment.
- ✅Successful product innovation, including a leading mobile app and crypto partnership.
- ✅Appeal to Millennials and Gen-Z, supporting future customer growth.
- ✅Solid capital returns with a recent 17% dividend increase and high ROE (34.27%).
- ❌Increasing competition in the premium market from large US banks.
- ❌Revenue somewhat sensitive to consumer spending cycles and credit conditions.
Score- ✅Strong year-over-year growth in revenue (+7%) and earnings per share (+9%).
- ✅Dominant presence in the premium credit cards market segment.
- ✅Successful product innovation, including a leading mobile app and crypto partnership.
- ✅Appeal to Millennials and Gen-Z, supporting future customer growth.
- ✅Solid capital returns with a recent 17% dividend increase and high ROE (34.27%).
- What is American Express?
- What is the price of American Express stock?
- Our full analysis on the American Express stock
- How to buy American Express stock in the US?
- Our 7 tips for buying American Express stock
- The latest news about American Express
- FAQ
Why trust HelloSafe ?
At HelloSafe, our expert has been tracking the performance of American Express for over three years. Every month, hundreds of thousands of users in the US trust us to analyze market trends and identify the best investment opportunities. Our analyses are provided for informational purposes only and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by American Express.
What is American Express?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | United States | American Express is a major US financial group with global influence. |
| 💼 Market | NYSE | Trading on the New York Stock Exchange ensures strong liquidity and visibility. |
| 🏛️ ISIN code | US0258161092 | The ISIN uniquely identifies American Express on global financial markets. |
| 👤 CEO | Stephen J. Squeri | Under his leadership since 2018, the company has focused on premium growth. |
| 🏢 Market cap | $229.86 billion | Its large capitalization reflects robust market confidence and sector leadership. |
| 📈 Revenue | $62.05 billion | Consistent revenue growth highlights opportunities across cards and payments. |
| 💹 EBITDA | $17.2 billion* | High EBITDA shows strong operating profitability and cost discipline. (*Estimate for 2025) |
| 📊 P/E Ratio (Price/Earnings) | 22.91 | The valuation is above average, reflecting high expectations for sustained earnings growth. |
What is the price of American Express stock?
The price of American Express stock is rising this week. Currently at $328.08, it is up $3.31 (+1.02%) over the last 24 hours and has gained 5.29% this week. The company’s market capitalization stands at $229.86 billion, with an average daily volume of 3.26 million shares traded over the last three months. American Express posts a P/E ratio of 22.91, a dividend yield of 1.00%, and a beta of 1.26, reflecting moderate volatility compared to the market. Investors may appreciate the stock’s growth and stability, backed by its dominant role in premium cards.
Our full analysis on the American Express stock
After a thorough review of American Express’s latest quarterly results and its share price trajectory over the last three years, our team has combined a wide array of analytical sources—blending key financial metrics, technical signals, peer benchmarking, and market intelligence within our proprietary evaluation frameworks. American Express has demonstrated robust fundamentals and remarkable resilience during recent market cycles. So, why might American Express stock once again become a strategic entry point into the financial services and payments sector in 2025?
Recent performance and market context
American Express stock recently set a new 52-week high at $329.12, closing at $328.08 on July 3, 2025. Over the past week alone, the stock advanced 5.29%, and its twelve-month performance is up a striking 39.19%. This rally is underpinned by a strong Q1 2025 earnings beat, which saw revenues rise to $17.0 billion and EPS reach $3.64, both above consensus forecasts. The company’s decision to increase its quarterly dividend by 17% this year signals confidence in its business model. The broader US financial sector continues to benefit from resilient consumer spending, a dynamic job market, and sustained demand for premium financial products—trends to which American Express is clearly leveraged. These macro and sector tailwinds position the stock at the heart of a supportive environment for margin expansion and continued top-line growth.
Technical analysis
Recent technical readings confirm the constructive momentum behind American Express. The RSI (14 days) stands in overbought territory at 75.86, affirming the aggressive buying interest driving the recent surge. MACD is positive at 3.31 and momentum oscillators remain firmly bullish, with Stochastic %K at 71.31. Moving averages, from the 20-day through the 200-day, all act as signals in favor of buying—demonstrating the market’s optimism for further appreciation. The primary support is observed at $324.18, providing a nearby technical “safety net” for bullish investors, while the new resistance is established at $329.12, the top reached this week. Technical consensus from major platforms is “Strong Buy” in the short- and medium-term, endorsed by twelve months of robust uptrend structure.
Fundamental analysis
On a fundamental level, American Express continues to impress. Revenues climbed to $62.05 billion (TTM), up 7% year-on-year in the latest quarter, with net profit at a solid $10.14 billion. The firm’s EPS for Q1 2025 outperformed guidance, reflecting margin discipline and the strategic premiumization of its card portfolio. Forward-looking revenue growth expectations remain robust at 8%-10% for 2025, amplified by continued consumer demand and the successful targeting of Millennial and Gen-Z client segments. The P/E ratio stands at 22.91 (forward P/E: 21.09), which is attractive against the backdrop of the company’s growth and higher return on equity of 34.27%. American Express’s margin profile—benefiting from a 16.56% net margin and a scalable expense structure—highlights the underlying profitability that supports continued dividend increases and share buyback programs. Its global brand is synonymous with exclusivity, security, and trust, offering a defensive moat even within the highly competitive US payments industry.
Volume and liquidity
Liquidity for American Express remains robust, with a three-month average daily volume of 3.26 million shares and a market capitalization of $229.86 billion, securing its place among the most actively traded financial stocks on the NYSE. This sustained trading volume is an unmistakable sign of market confidence, and the broad institutional ownership lends further credibility to the share price’s dynamic. The extensive public float ensures that the stock responds efficiently to demand trends and valuation opportunities, making it an attractive vehicle for both retail and professional investors.
Catalysts and positive outlook
Looking ahead, several catalysts may further bolster American Express’s upside potential. The company recently launched a Coinbase credit card, tapping into digital assets and new payment ecosystems, illustrating a willingness to innovate and diversify. The significant increase in its dividend highlights balance sheet strength and a shareholder-friendly approach. American Express consistently performs well in industry benchmarks, as demonstrated by its top J.D. Power mobile app ranking and the successful retention of high-value client segments. On the ESG front, the company’s commitments to sustainability, financial inclusion, and responsible lending are enhancing its appeal among conscientious investors and institutional funds seeking strong governance. Regulatory and market trends—ranging from payment digitization to lifestyle-driven spending—are playing to American Express’s historical strengths in premium, travel, and business segments.
Investment strategies
For investors with a short-term horizon, American Express’s strong technical momentum and the proximity to support at $324.18 offer potential for tactical entry ahead of quarterly catalysts. Medium-term investors can gain exposure to a business with visible revenue growth drivers, solid profitability, and an accelerating dividend policy; ongoing product innovation and digital transformation provide additional reassurance for a continued re-rating. For long-term investors, the company’s historical resilience, enduring brand, and agile adaptation to generational consumer shifts suggest that American Express could remain a core holding as the payments and credit sector continues its secular expansion. Entry at current levels positions investors to benefit from both momentum-driven appreciation and, over time, recurring dividend income.
Is it the right time to buy American Express?
The accumulation of strong quarterly results, an attractive valuation relative to growth, technical breakout signals, and tangible market catalysts suggest that American Express could be entering a new bullish phase. The recent surge to fresh highs has occurred on the back of higher-than-expected earnings, dividend raises, and innovation in its product suite. In a macro environment where premium financial products and lifestyle services are increasingly valued, American Express’s brand power, digital strength, and customer-centric business position seem poised to deliver sustained shareholder value. It is this timely confluence of momentum, profitability, and strategy that leads us to conclude that American Express seems to represent an excellent opportunity for investors seeking exposure to a best-in-class name in US financials—with multiple levers for future growth, renewed market confidence, and the potential to outperform its peers in the years ahead.
In summary, American Express stands out as an emblematic US financial stock benefiting from technical, fundamental, and strategic tailwinds. The current levels may offer ideal positioning for those anticipating further value creation in this iconic payments leader.
How to buy American Express stock in the US?
Buying American Express stock online is simple, secure, and fast when you use a regulated US broker. You can choose between two main ways to invest: spot buying (cash purchase of shares) and contract for difference (CFD) trading. Spot buying means you directly own the shares for the long term, while CFDs let you speculate on short-term price movements with leverage, without actually owning the stock. To help you select the best option, you’ll find a detailed broker comparison further down this page.
Spot buying
A cash purchase of American Express stock means you directly buy and own the shares in your brokerage account. This classic method is the most straightforward, and your gain or loss is tied to the actual share price performance. US brokers typically charge a fixed commission per trade—often around $5 per order.
Gain scenario
If the American Express share price is $328.08, you can buy around 3 shares with a $1,000 stake, including a brokerage fee of around $5.
If the share price rises by 10%, your shares are now worth $1,100.
Result: +$100 gross gain, i.e. +10% on your investment.
Trading via CFD
CFDs (Contracts for Difference) allow you to speculate on the price movement of American Express shares without owning them. You can access leverage, meaning you only need a fraction of the position’s value as margin. CFD trading involves paying the spread (the difference between buy and sell prices) and, if you hold the position overnight, a financing cost.
Gain Scenario on an American Express CFD
You open a CFD position on American Express shares, with 5x leverage. This gives you a market exposure of $5,000.
Gain scenario:
If the stock rises by 8%, your position gains 8% × 5 = 40%.
Result: +$400 gain, on a bet of $1,000 (excluding fees).
Final advice
Before investing, always compare brokers’ trading fees, commissions, available trading types, and platform features—each can impact your returns. The best method for you depends on your investment goals, risk tolerance, and investment horizon. To help you make an informed decision, a comprehensive broker comparison table is available further down this page.
Check out the USA's best brokers!Compare brokersOur 7 tips for buying American Express stock
| 📊 Step | 📝 Specific tip for American Express |
|---|---|
| Analyze the market | Review recent stock price trends, sector performance, and American Express’s financial reports to identify optimal buying moments. |
| Choose the right trading platform | Select a US-based broker with strong security, competitive commissions, and access to NYSE for efficient American Express share purchases. |
| Define your investment budget | Decide on an amount you’re comfortable investing, keeping in mind the price per share and aiming to diversify beyond just American Express. |
| Choose a strategy (short or long term) | Consider a long-term approach to benefit from American Express’s premium card growth and solid financial outlook, or short-term trading on earnings momentum. |
| Monitor news and financial results | Stay updated on quarterly earnings, dividend changes, and news of partnerships or product innovation, as these can move American Express’s stock. |
| Use risk management tools | Set stop-loss orders and regularly review your positions to manage potential volatility in the financial sector. |
| Sell at the right time | Monitor technical levels and consider taking profits after strong quarterly results or ahead of broader market uncertainty. |
The latest news about American Express
American Express stock reaches its all-time high after a strong week on the NYSE. Shares closed at $328.08, reflecting a weekly gain of 5.29% and bringing the 12-month performance to +39.19%. This momentum underscores strong investor appetite and reaffirms the company’s robust standing on Wall Street year-to-date.
The company officially raised its quarterly dividend by 17%, signaling management’s confidence in future cash flows. The board increased the payout from $0.70 to $0.82 per share, effective for Q3 2025. This move not only benefits US income-focused investors but also enhances American Express’s position as a shareholder-friendly large cap in the financial sector.
Major U.S. financial regulators confirmed American Express passed its annual stress test, maintaining regulatory capital well above minimum requirements. With a buffer of 2.5%, the result demonstrates the institution’s resilience against hypothetical financial shocks and reinforces its reliability for US consumers and institutional clients.
American Express partnered with Coinbase, launching a new exclusive credit card for Coinbase One members in the United States. This initiative further entrenches American Express in the rapidly evolving digital payments landscape, tapping into the US crypto economy and attracting a growing base of digitally native customers.
Analysts maintained their “Strong Buy” consensus, driven by positive technical signals and solid Q1 financial results. Technical indicators, including bullish MACD and firm moving averages, are supported by a Q1 net income increase of 6% and EPS growth of 9% year-on-year, reinforcing long-term growth expectations for the US market.
FAQ
<i>What is the latest dividend for American Express stock?</i>
American Express currently pays a quarterly dividend. The latest dividend is $0.82 per share, with the next payment scheduled for August 8, 2025. This marks a 17% increase over last year, reflecting a solid dividend growth trend. The current dividend yield is around 1.00%, backed by the company’s consistent history of shareholder returns.
<i>What is the forecast for American Express stock in 2025, 2026, and 2027?</i>
Based on recent performance, projections for American Express stock are $426 at the end of 2025, $492 at the end of 2026, and $656 at the end of 2027. The company benefits from strong momentum in premium cards, robust earnings, and ongoing expansion among younger demographics—factors expected to support sustained growth.
<i>Should I sell my American Express shares?</i>
Holding American Express shares may be appropriate for investors seeking strong fundamentals and consistent growth. The company’s solid market position, robust credit quality, and reliable performance through economic cycles provide compelling reasons to keep shares for mid- to long-term gains. Recent results and positive trends suggest continued potential.
<i>Are American Express shares eligible for 401(k) retirement accounts, and how are dividends taxed in the US?</i>
Yes, American Express shares are eligible for inclusion in US-based 401(k) and IRA retirement accounts. Dividends are generally taxable as ordinary income unless held in a tax-advantaged account. For most US residents, there is no withholding tax on dividends from domestic stocks like American Express, making them straightforward for retirement and brokerage portfolios alike.
<i>What is the latest dividend for American Express stock?</i>
American Express currently pays a quarterly dividend. The latest dividend is $0.82 per share, with the next payment scheduled for August 8, 2025. This marks a 17% increase over last year, reflecting a solid dividend growth trend. The current dividend yield is around 1.00%, backed by the company’s consistent history of shareholder returns.
<i>What is the forecast for American Express stock in 2025, 2026, and 2027?</i>
Based on recent performance, projections for American Express stock are $426 at the end of 2025, $492 at the end of 2026, and $656 at the end of 2027. The company benefits from strong momentum in premium cards, robust earnings, and ongoing expansion among younger demographics—factors expected to support sustained growth.
<i>Should I sell my American Express shares?</i>
Holding American Express shares may be appropriate for investors seeking strong fundamentals and consistent growth. The company’s solid market position, robust credit quality, and reliable performance through economic cycles provide compelling reasons to keep shares for mid- to long-term gains. Recent results and positive trends suggest continued potential.
<i>Are American Express shares eligible for 401(k) retirement accounts, and how are dividends taxed in the US?</i>
Yes, American Express shares are eligible for inclusion in US-based 401(k) and IRA retirement accounts. Dividends are generally taxable as ordinary income unless held in a tax-advantaged account. For most US residents, there is no withholding tax on dividends from domestic stocks like American Express, making them straightforward for retirement and brokerage portfolios alike.
