AX
AXP
Dec 31, 2024
Quarter ended Dec 31, 2024 · FY2024 Q4

American Express Company stock research

American Express (AXP) Free Cash Flow — Quarter Ended Dec 31, 2024

Free cash flow turned sharply positive in the current quarter, reversing a negative position from the prior quarter. The margin improved significantly from both the preceding and year-ago periods.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

Free cash flow turned sharply positive in the current quarter, reversing a negative position from the prior quarter. The margin improved significantly from both the preceding and year-ago periods.

  • Revenue was higher than both the preceding quarter and the same quarter a year earlier. Operating cash flow was strongly positive after a negative prior quarter, and capital expenditure increased slightly, resulting in free cash flow nearly matching year-ago levels while the margin rose relative to the prior quarter.
  • Compared with the immediately preceding quarter, revenue, operating cash flow, free cash flow, and margin all improved, with operating cash flow rebounding from negative to positive. Versus the same quarter one year earlier, revenue was higher, but operating cash flow, free cash flow, and margin were lower.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

$12.1B

Trailing twelve-month free cash flow.

Quarter free cash flow

$5.3B

Free cash flow in the selected fiscal quarter.

Operating cash flow

$5.8B

Cash generated by operations before capital spending.

CapEx

$495.0M

Capital spending and related asset purchases.

FCF margin

53.1%

The share of revenue converted into free cash flow.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2024-03-31$9.3B$5.6B$396.0M$5.2B55.2%
2024-06-30$9.8B$4.5B$565.0M$4.0B40.4%
2024-09-30$9.7B-$1.8B$455.0M-$2.3B-23.3%
2024-12-31$10.0B$5.8B$495.0M$5.3B53.1%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income243.5%Shows whether accounting earnings convert into cash.
CapEx / revenue5.0%Lower capital intensity usually supports FCF margin.
Net cashn/aCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Supportive

Operating Cash Flow Reversal

Operating cash flow moved from a negative level in the prior quarter to a positive level this quarter, driving a similar swing in free cash flow. The filing mentions that operating cash flows primarily include net income adjusted for non-cash items and changes in operating assets and liabilities, which can vary significantly.

The turnaround in operating cash flow was the primary factor behind the quarter-over-quarter improvement in free cash flow and margin.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

Revenue was higher than both the preceding quarter and the same quarter a year earlier. Operating cash flow was strongly positive after a negative prior quarter, and capital expenditure increased slightly, resulting in free cash flow nearly matching year-ago levels while the margin rose relative to the prior quarter.

Compared with the immediately preceding quarter, revenue, operating cash flow, free cash flow, and margin all improved, with operating cash flow rebounding from negative to positive. Versus the same quarter one year earlier, revenue was higher, but operating cash flow, free cash flow, and margin were lower.

Monitor the sustainability of the positive shift in operating cash flow, which was the strongest observable driver this quarter.

AXP Free Cash Flow — Quarter Ended Dec 31, 2024