Company / FCF Margin
American Express FCF Margin History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest FCF Margin
22.2%
FY2025
5-year range
18.4% / 36.4%
FY2021-FY2025
Trend
+20.4%
vs FY2024
Sector context
#98 of 204
Financials
What the data says
At 22.2%, American Express's fcf margin ranks #98 of 204 in the Financials sector. FCF Margin returned to growth in FY2025 after 2 years of decline, reaching 22.2%.
Based on SEC 10-K filings.
22.2% in FY2025 with a 5-year CAGR of +10.8%.
Declined from 28.1% to 22.2% over the past 2 years.
Financials sector context is included.
FCF Margin over time
Growth rates
- 3-Year Change
- -14.2pp
- 5-Year Change
- +10.8pp
- 10-Year Change
- -
Sector benchmark
#98 of 204 in FinancialsTop 48% of 204This company 22.2% Sector average 210.0%
▼
-89.4% below sector average
Key checks
Key Insights
- In FY2025, fcf margin increased 20.4% year-over-year.
- Currently 187.9pp below the Financials sector average.
- Peak fcf margin was recorded in FY2022.
- Lowest fcf margin in the period was in FY2020.
Company context
Key Data Points
- Altman Z-Score 0.36 (distress zone, below 1.8 threshold)
- Strong return on equity: 32.5%
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | FCF MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | 22.2% | +20.4% |
| FY2024 | 18.4% | -34.5% |
| FY2023 | 28.1% | -22.8% |
| FY2022 | 36.4% | +17.7% |
| FY2021 | 30.9% | +171.1% |
| FY2020 | 11.4% | -58.6% |
| FY2019 | 27.5% | +45.7% |
| FY2018 | 18.9% | -44.2% |
| FY2017 | 33.8% | +73.4% |
| FY2016 | 19.5% | -31.6% |
As of FY2025 · SEC 10-K · Updated Jul 4, 2026