Company / Free Cash Flow
American Express Free Cash Flow History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Free Cash Flow
$16.0B
FY2025
5-year range
$12.1B / $19.2B
FY2021-FY2025
Trend
+31.8%
vs FY2024
Sector context
#6 of 299
Financials
What the data says
Among 299 Financials companies, American Express is in the top 2% for free cash flow. Free Cash Flow returned to growth in FY2025 after 2 years of decline, reaching $16.0B.
Based on SEC 10-K filings.
$16.0B in FY2025 with a 5-year CAGR of +31.2%. Top quartile in the Financials sector.
Declined from $17.0B to $16.0B over the past 2 years.
Financials sector context is included.
Free Cash Flow over time
Growth rates
- 3-Year CAGR
- -5.9%
- 5-Year CAGR
- +31.2%
- 10-Year CAGR
- -
Sector benchmark
Top 2% in FinancialsTop 2% of 299This company $16.0B Sector average $646.6M
▼
+2375.1% above sector average
Key checks
Key Insights
- 5-year CAGR of +31.2%, indicating consistent growth.
- In FY2025, free cash flow increased 31.8% year-over-year.
- Ranks #6 out of 299 companies in the Financials sector.
- Peak free cash flow was recorded in FY2022.
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 | Free Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $16.0B | +31.8% |
| FY2024 | $12.1B | -28.6% |
| FY2023 | $17.0B | -11.6% |
| FY2022 | $19.2B | +46.8% |
| FY2021 | $13.1B | +218.4% |
| FY2020 | $4.1B | -65.7% |
| FY2019 | $12.0B | +57.3% |
| FY2018 | $7.6B | -38.9% |
| FY2017 | $12.5B | +80.4% |
| FY2016 | $6.9B | -26.2% |
As of FY2025 · SEC 10-K · Updated Jul 4, 2026