American Express carries a Mixed Alpha Score of 48/100 in Financials. Its next card-spending and credit disclosures are what lenders in the group will weigh.
Alpha Score of 48 reflects weak overall profile with weak momentum, weak value, moderate quality, moderate sentiment.
American Express (AXP) carries an Alpha Score of 48 out of 100, with AlphaScala's model labeling the reading Mixed. The company sits in the Financials sector, and the score lands just below the midpoint of the 0-100 scale.
AmEx is one of the largest US card issuers by cardmember spending, and its results move with what customers charge and how many of them pay on time. The quarterly filings break out billed business, cardmember loans, delinquency rates, and net charge-offs.
Lenders across the sector watch those numbers for a read on the upper end of the US consumer. The connection is not direct, however. AmEx funds much of the card book through its FDIC-insured bank, and its signature charge cards carry no preset spending limit, so the credit exposure does not map one-for-one onto a conventional bank's loan book.
The next scheduled update comes with the quarterly earnings report and the card-spending disclosures that accompany it. AlphaScala's full profile for American Express, including the score and sector classification, is on the AXP stock page.
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