Presented By:
Brent Penzo
Jessica Allen
Zach Jennings
 American Express issues lines of credit for many
different individuals, small companies, and large
corporations.
 Incentives are given to card holders that use it
frequently. Most incentives are travel based and cover
such things as airline tickets, rental cars, and hotels.
 American Express’ merchants are also offered special
marketing opportunities as well as trend reports to
help them obtain potential customers.
 Individual Credit Cards
 Premium Reward Card
 Flexible Payment Card
 Air Travel Partner Card
 Hotel Partner Card
 Small Business Credit Cards
 Premium Rewards Card
 Classic Rewards Card
 Partner Card
 Basic Card
 Corporate Credit Cards
 Amex Corporate Card Program
 Amex Business ExtrAA Corporate Card Program
Market Share
32%
42%
Visa
Mastercard
5%
Discover
21%
American Express
American Express
 Market Cap:
$51B
 P/E:
27.73
 Profit Margin:
11.09%
 Return on Equity:16.28%
Industry
 Market Cap:
$399B
 P/E:
NM
 Profit Margin:
3.1%
 Return on Equity:3.1%
DFS
Market Cap:
AXP
MA
V
Industry
8.47B
51.06B
33.33B
68.40B
399.91M
10,500
58,300
5,100
5,700
2.56K
8.50%
12.50%
6.00%
12.70%
16.30%
2.50B
19.21B
5.10B
7.13B
183.88M
100.00%
76.30%
100.00%
84.16%
80.28%
N/A
N/A
2.56B
3.98B
92.29M
13.47%
9.70%
47.43%
52.55%
25.91%
982.32M
1.81B
1.45B
2.54B
N/A
EPS (ttm):
1.862
1.539
11.16
3.437
0.47
P/E (ttm):
PEG (5 yr
expected):
8.37
27.73
22.9
26.9
12.98
5.56
1.59
1.03
1.22
0.93
P/S (ttm):
3.33
2.6
6.5
9.6
1.56
Employees:
Qtrly Rev Growth
(yoy):
Revenue (ttm):
Gross Margin
(ttm):
EBITDA (ttm):
Oper Margins
(ttm):
Net Income (ttm):
 P/E Ratio Estimate:
 $46.51
 P/CF Ratio Estimate:
 $47.71
 P/S Ratio Estimate:
 $57.47
 Current Market Price:
 $43.06
 BUY, BUY, BUY 