American Express Co's stock fell 4.31% in pre-market trading, hitting a 20-day low as investors reacted to recent market developments.
The decline follows President Trump's proposal to implement a 10% cap on credit card interest rates, which has raised concerns among investors about the potential impact on profitability for major banks, including American Express. This proposal has led to a significant drop in bank stocks, with American Express experiencing a notable decrease of 4.87% in response to the announcement, reflecting the market's sensitivity to regulatory changes.
The proposed rate cap could destabilize the credit card market, prompting fears of reduced liquidity and profitability for banks. As American Express navigates these challenges, investors will be closely monitoring the legislative process and its implications for the company's future performance.
Wall Street analysts forecast AXP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for AXP is 373.63 USD with a low forecast of 280.00 USD and a high forecast of 425.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
21 Analyst Rating
Wall Street analysts forecast AXP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for AXP is 373.63 USD with a low forecast of 280.00 USD and a high forecast of 425.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
7 Buy
13 Hold
1 Sell
Moderate Buy
Current: 368.020
Low
280.00
Averages
373.63
High
425.00
Current: 368.020
Low
280.00
Averages
373.63
High
425.00
Morgan Stanley
Jeffrey Adelson
Equal Weight
maintain
$370 -> $395
2026-01-20
New
Reason
Morgan Stanley
Jeffrey Adelson
Price Target
$370 -> $395
AI Analysis
2026-01-20
New
maintain
Equal Weight
Reason
Morgan Stanley analyst Jeffrey Adelson raised the firm's price target on American Express to $395 from $370 and keeps an Equal Weight rating on the shares as part of the firm's Q4 preview note on its consumer finance coverage.
BofA
Mihir Bhatia
Buy
maintain
$410 -> $420
2026-01-09
Reason
BofA
Mihir Bhatia
Price Target
$410 -> $420
2026-01-09
maintain
Buy
Reason
BofA analyst Mihir Bhatia raised the firm's price target on American Express to $420 from $410 and keeps a Buy rating on the shares. The firm raised targets for a trio of Consumer Finance names ahead of Q4 reporting season, as it applies higher valuation multiples, reflecting better consumer finance trends in the near term. Sentiment on the pure-play card issuers has strengthened considerably and "vibes are high" coming into the Q4 prints, the analyst tells investors in a preview for the group.
Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for AXP
Unlock Now
TD Cowen
Hold
maintain
$350 -> $375
2026-01-08
Reason
TD Cowen
Price Target
$350 -> $375
2026-01-08
maintain
Hold
Reason
TD Cowen raised the firm's price target on American Express to $375 from $350 and keeps a Hold rating on the shares. The firm adjusted targets in the specialty finance group as part of its 2026 outlook.
TD Cowen
Hold
maintain
$350 -> $375
2026-01-08
Reason
TD Cowen
Price Target
$350 -> $375
2026-01-08
maintain
Hold
Reason
TD Cowen raised the firm's price target on American Express to $375 from $350 and keeps a Hold rating on the shares. The firm updated its price target to reflect is outlook in the Specialty Finance sector affected by macro economic factors and secualr growth in various areas of credit card, auto lending, student lending, non-prime lending, buy-now-pay-later, and lease to own.
About AXP
American Express Company is a globally integrated payments company with card-issuing, merchant-acquiring and card network businesses. It offers products and services to a range of customers, including consumers, small businesses, mid-sized companies and large corporations around the world. Its segments include U.S. Consumer Services (USCS), Commercial Services (CS), International Card Services (ICS) and Global Merchant and Network Services (GMNS). USCS offers travel and lifestyle services as well as banking and non-card financing products. CS offers payment and expense management, banking and non-card financing products. ICS provides services to international customers, including travel and lifestyle services, and manages certain international joint ventures and its loyalty coalition business. GMNS operates a payments network that processes and settles card transactions, acquires merchants and provides multichannel marketing programs and capabilities, services and data analytics.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
