AMERICAN EXPRESS CO

Finance Services·NEW YORK, NY·FY end 12/31·CIK 4962

CEO Pay Ratio

814:1

S.J. Squeri

CEO Total Comp

$46.2M

S.J. Squeri

Median Employee

$56,827

Revenue

$41.3B

FY 2025

Net Income

$10.8B

FY 2025

Free Cash Flow

$16.0B

FY 2025

Net Margin

26.2%

Insider Net (180d)

-$8.5M

0 buys / 8 sales

CEO Pay Accountability

CEO comp as % of net income

0.43%

For every $1,000 of profit, $4.27 flows to the CEO.

CEO comp as % of buybacks

0.80%

CEO comp equals 8.0‰ of cash returned to shareholders via buybacks.

5-year history · USD

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	Trend
Revenue	$41.3B	$38.8B	$37.2B	$34.2B	$27.7B
Gross Profit	—	—	—	—	—	—
Operating Income	—	—	—	—	—	—
Net Income	$10.8B	$10.1B	$8.4B	$7.5B	$8.1B
Operating CF	$18.4B	$14.1B	$18.6B	$21.1B	$14.6B
Capex	$2.4B	$1.9B	$1.6B	$1.9B	$1.6B
Free Cash Flow	$16.0B	$12.1B	$17.0B	$19.2B	$13.1B
Buybacks	$5.8B	$6.0B	$3.6B	$3.5B	—
Dividends	—	—	—	—	—	—

Gross Margin	—	—	—	—	—	—
Operating Margin	—	—	—	—	—	—
Net Margin	26.2%	26.1%	22.5%	22.0%	29.1%
FCF Margin	38.7%	31.3%	45.7%	56.2%	47.2%
R&D / Revenue	—	—	—	—	—	—
Effective Tax	21.5%	21.5%	20.3%	21.6%	24.6%
Debt / Equity	1.68	1.64	1.71	1.72	1.74
Buybacks / FCF	36.3%	49.6%	21.5%	18.2%	—

FY 2025

Executive	Salary	Stock	Options	Bonus / Inc.	Other	Total
S.J. SqueriChairman and CEO	$1.7M	$23.5M	$5.4M	$11.3M	$4.3M	$46.2M
D.E. BuckminsterFormer Vice Chairman	$1.1M	$6.1M	$1.4M	$6.7M	$344.3K	$15.6M
C.Y. Le CaillecChief Financial Officer	$933.3K	$5.0M	$1.1M	$5.9M	$159.2K	$13.1M
H.M. GrosfieldPresident, U.S. Consumer Services	$933.3K	$5.0M	$1.1M	$5.9M	$146.4K	$13.1M
R.D. Joabar GroupPresident, Global Commercial Services	$943.8K	$5.0M	$1.2M	$5.3M	$184.1K	$12.6M