AX
AXP
Jun 30, 2025
Quarter ended Jun 30, 2025 · FY2025 Q2

American Express Company stock research

American Express (AXP) Free Cash Flow — Quarter Ended Jun 30, 2025

Revenue rose while free cash flow margin weakened from both the prior quarter and the same quarter last year. Operating cash flow declined relative to the preceding quarter but increased compared with the year-ago period.

Free cash flow takeaway

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

Revenue rose while free cash flow margin weakened from both the prior quarter and the same quarter last year. Operating cash flow declined relative to the preceding quarter but increased compared with the year-ago period.

  • Cash conversion for the quarter, measured by free cash flow margin, was lower than both the immediate prior quarter and the same quarter one year earlier, as operating cash flow did not keep pace with revenue growth and capital expenditure increased relative to the prior quarter.
  • Compared with the preceding quarter, operating cash flow and free cash flow were lower, and free cash flow margin weakened. Versus the same quarter last year, operating cash flow was slightly lower, but revenue was higher, resulting in a lower free cash flow margin.

FCF snapshot

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

TTM free cash flow

$11.1B

Trailing twelve-month free cash flow.

Quarter free cash flow

$3.7B

Free cash flow in the selected fiscal quarter.

Operating cash flow

$4.4B

Cash generated by operations before capital spending.

CapEx

$619.0M

Capital spending and related asset purchases.

FCF margin

36.3%

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
2024-09-30$9.7B-$1.8B$455.0M-$2.3B-23.3%
2024-12-31$10.0B$5.8B$495.0M$5.3B53.1%
2025-03-31$9.6B$4.8B$430.0M$4.3B45.0%
2025-06-30$10.3B$4.4B$619.0M$3.7B36.3%

Cash conversion quality

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

FCF / net income129.8%Shows whether accounting earnings convert into cash.
CapEx / revenue6.0%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.

Watch

Revenue growth vs. cash generation

Revenue was the strongest observable driver, increasing from both the prior quarter and the year-ago quarter. However, free cash flow did not grow proportionally, as the increase in capital expenditure and a lower conversion of revenue into operating cash flow weighed on the free cash flow margin.

Higher revenue alone did not translate into improved free cash flow margin in the current quarter.

What the cash flow says

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

Cash conversion for the quarter, measured by free cash flow margin, was lower than both the immediate prior quarter and the same quarter one year earlier, as operating cash flow did not keep pace with revenue growth and capital expenditure increased relative to the prior quarter.

Compared with the preceding quarter, operating cash flow and free cash flow were lower, and free cash flow margin weakened. Versus the same quarter last year, operating cash flow was slightly lower, but revenue was higher, resulting in a lower free cash flow margin.

The trajectory of capital expenditure relative to revenue warrants monitoring, as it increased from both comparison periods.