<p>在最新的季度中，8 位分析师对美国运通（NYSE: AXP）提供了评级，展现出看涨和看跌的不同观点。</p>
<p>下表提供了他们近期评级的快速概览，突显出过去 30 天情绪的变化，并与前几个月进行比较。</p>
<table>
<thead>
<tr>
<th></th>
<th align="right"><strong>看涨</strong></th>
<th align="right"><strong>稍微看涨</strong></th>
<th align="right"><strong>无所谓</strong></th>
<th align="right"><strong>稍微看跌</strong></th>
<th align="right"><strong>看跌</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>总评级</strong></td>
<td align="right">2</td>
<td align="right">2</td>
<td align="right">4</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>过去 30 天</strong></td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>1 个月前</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2 个月前</strong></td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>3 个月前</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
<p>分析师最近对美国运通进行了评估，并提供了 12 个月的价格目标。平均目标为 342.25 美元，最高预估为 375.00 美元，最低预估为 297.00 美元。这一上升趋势显而易见，目前的平均值较之前的平均价格目标 309.38 美元增加了 10.62%。</p>
<p><img src="https://imageproxy.pbkrs.com/https://www.benzinga.com/files/images/story/2025/1757095330_0.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="价格目标图表" original-src="https://imageproxy.pbkrs.com/https://www.benzinga.com/files/images/story/2025/1757095330_0.png"/></p>
<h2>分析师评级解析：详细审查</h2>
<p>对近期分析师行动的分析揭示了金融专家对美国运通的看法。以下摘要展示了关键分析师、他们的近期评估以及对评级和价格目标的调整。</p>
<table>
<thead>
<tr>
<th>分析师</th>
<th>分析师公司</th>
<th>采取的行动</th>
<th>评级</th>
<th>当前价格目标</th>
<th>之前价格目标</th>
</tr>
</thead>
<tbody>
<tr>
<td>Donald Fandetti</td>
<td>富国银行</td>
<td>上调</td>
<td>超配</td>
<td>$375.00</td>
<td>$350.00</td>
</tr>
<tr>
<td>Mark Devries</td>
<td>德意志银行</td>
<td>上调</td>
<td>买入</td>
<td>$375.00</td>
<td>$371.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>摩根大通</td>
<td>上调</td>
<td>中性</td>
<td>$342.00</td>
<td>$260.00</td>
</tr>
<tr>
<td>Betsy Graseck</td>
<td>摩根士丹利</td>
<td>上调</td>
<td>持平</td>
<td>$311.00</td>
<td>$250.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>上调</td>
<td>超过市场</td>
<td>$371.00</td>
<td>$360.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>上调</td>
<td>买入</td>
<td>$340.00</td>
<td>$335.00</td>
</tr>
<tr>
<td>Terry Ma</td>
<td>巴克莱</td>
<td>上调</td>
<td>持平</td>
<td>$297.00</td>
<td>$249.00</td>
</tr>
<tr>
<td>Keith Horowitz</td>
<td>花旗集团</td>
<td>上调</td>
<td>中性</td>
<td>$327.00</td>
<td>$300.00</td>
</tr>
</tbody>
</table>
<h3>关键见解：</h3>
<ul>
<li><strong>采取的行动：</strong> 分析师根据市场条件和公司表现调整他们的建议。无论是 ‘维持’，‘上调’ 还是 ‘下调’ 他们的立场，反映了他们对美国运通近期发展的反应。这些信息提供了分析师对公司当前状态的快照。</li>
<li><strong>评级：</strong> 提供全面视角，分析师对股票进行定性评估，从 ‘超过市场’ 到 ‘低于市场’。这些评级传达了对美国运通相对于更广泛市场表现的预期。</li>
<li><strong>价格目标：</strong> 深入分析变动，分析师提供对美国运通股票未来价值的估计。这一分析揭示了分析师预期随时间的变化。</li>
</ul>
<p>将这些分析师评估与相关财务指标结合分析，可以提供对美国运通市场地位的全面视角。保持信息灵通，并在我们的评级表的帮助下做出数据驱动的决策。</p>
<p>随时了解美国运通分析师评级。</p>
<h2>揭示美国运通背后的故事</h2>
<p>美国运通是一家全球金融机构，在约 130 个国家运营，提供消费者和企业的信用卡和借记卡支付产品。该公司还运营着一个高盈利的商户支付网络。该公司分为四个部门：美国消费者服务、美国商业服务、国际卡服务和全球商户及网络服务。除了支付产品外，该公司的商业业务还提供费用管理工具、咨询服务和商业贷款。</p>
<h3>财务里程碑：美国运通的历程</h3>
<p><strong>市值：</strong> 拥有较高的市值，该公司超过了行业平均水平。这表明其规模庞大且市场认可度强。</p>
<p><strong>积极的收入趋势：</strong> 对美国运通的财务数据进行 3 个月的审查显示出积极的叙述。截止 2025 年 6 月 30 日，该公司实现了 <strong>9.32%</strong> 的显著收入增长率，展示了顶线收益的显著增加。与竞争对手相比，该公司的增长率低于金融行业的平均水平。</p>
<p><strong>净利润率：</strong> 美国运通的净利润率超过行业基准，达到 <strong>15.97%</strong>。这表明其成本管理高效，财务健康状况良好。</p>
<p><strong>股本回报率（ROE）：</strong> 美国运通的 ROE 超过行业标准，突显了公司的卓越财务表现。其 ROE 达到 <strong>8.98%</strong>，有效利用了股东权益资本。</p>
<p><strong>资产回报率（ROA）：</strong> 该公司的 ROA 低于行业基准，表明在有效利用资产方面可能存在困难。ROA 为 <strong>0.99%</strong>，公司可能需要解决从资产中产生令人满意回报的挑战。</p>
<p><strong>债务管理：</strong> 美国运通的债务与股本比率低于行业平均水平，达到 <strong>1.85</strong>，反映出对债务融资的依赖较低，财务策略更为保守。</p>
<h2>分析师评级的重要性解释</h2>
<p>评级来自分析师，或在银行和金融系统内的专家，他们为特定股票或定义的行业报告（通常每季度一次）。分析师通常从公司电话会议和会议、财务报表以及与重要内部人士的对话中获取信息，以做出决策。</p>
<p>分析师可能会通过对增长预估、收益和收入等指标的预测来补充他们的评级，为投资者提供更全面的前景。然而，投资者应注意，分析师和任何人一样，可能会受到主观观点的影响，从而影响他们的预测。</p>
<p><strong>分析师现在推荐哪些股票？</strong></p>
<p>Benzinga Edge 让您即时访问所有主要的分析师升级、降级和价格目标。按准确性、上涨潜力等进行排序。点击这里以领先市场。</p>
<p>本文由 Benzinga 的自动内容引擎生成，并由编辑审核。</p>

美国运通

<p>在最新的季度中，8 位分析师对美国运通（NYSE:AXP）进行了评级，显示出混合的情绪。12 个月的平均目标价为 342.25 美元，比 309.38 美元上涨了 10.62%。主要分析师提高了他们的评级和目标，其中富国银行和德意志银行均将目标定为 375.00 美元。美国运通展现出强劲的财务健康状况，净利润率为 15.97%，股本回报率为 8.98%，尽管其资产回报率为 0.99%，低于行业标准。公司的债务与股本比率为 1.85，表明其债务管理较为保守</p>

<p>In the latest quarter, 8 analysts provided ratings for American Express (NYSE: AXP), showcasing a mix of bullish and bearish perspectives.</p>
<div class="lb-trans"><p>在最新的季度中，8 位分析师对美国运通（NYSE: AXP）提供了评级，展现出看涨和看跌的不同观点。</p>
</div><p>The following table provides a quick overview of their recent ratings, highlighting the changing sentiments over the past 30 days and comparing them to the preceding months.</p>
<div class="lb-trans"><p>下表提供了他们近期评级的快速概览，突显出过去 30 天情绪的变化，并与前几个月进行比较。</p>
</div><table>
<thead>
<tr>
<th></th>
<th align="right"><strong>Bullish</strong></th>
<th align="right"><strong>Somewhat Bullish</strong></th>
<th align="right"><strong>Indifferent</strong></th>
<th align="right"><strong>Somewhat Bearish</strong></th>
<th align="right"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td align="right">2</td>
<td align="right">2</td>
<td align="right">4</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
<div class="lb-trans"><table>
<thead>
<tr>
<th></th>
<th align="right"><strong>看涨</strong></th>
<th align="right"><strong>稍微看涨</strong></th>
<th align="right"><strong>无所谓</strong></th>
<th align="right"><strong>稍微看跌</strong></th>
<th align="right"><strong>看跌</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>总评级</strong></td>
<td align="right">2</td>
<td align="right">2</td>
<td align="right">4</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>过去 30 天</strong></td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>1 个月前</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2 个月前</strong></td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>3 个月前</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
</div><p>Analysts have recently evaluated American Express and provided 12-month price targets. The average target is $342.25, accompanied by a high estimate of $375.00 and a low estimate of $297.00. This upward trend is apparent, with the current average reflecting a 10.62% increase from the previous average price target of $309.38.</p>
<div class="lb-trans"><p>分析师最近对美国运通进行了评估，并提供了 12 个月的价格目标。平均目标为 342.25 美元，最高预估为 375.00 美元，最低预估为 297.00 美元。这一上升趋势显而易见，目前的平均值较之前的平均价格目标 309.38 美元增加了 10.62%。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://www.benzinga.com/files/images/story/2025/1757095330_0.png" alt="price target chart" original-src="https://www.benzinga.com/files/images/story/2025/1757095330_0.png"/></p>
<h2>Breaking Down Analyst Ratings: A Detailed Examination</h2>
<div class="lb-trans"><h2>分析师评级解析：详细审查</h2>
</div><p>The analysis of recent analyst actions sheds light on the perception of American Express by financial experts. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<div class="lb-trans"><p>对近期分析师行动的分析揭示了金融专家对美国运通的看法。以下摘要展示了关键分析师、他们的近期评估以及对评级和价格目标的调整。</p>
</div><table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Donald Fandetti</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Overweight</td>
<td>$375.00</td>
<td>$350.00</td>
</tr>
<tr>
<td>Mark Devries</td>
<td>Deutsche Bank</td>
<td>Raises</td>
<td>Buy</td>
<td>$375.00</td>
<td>$371.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Neutral</td>
<td>$342.00</td>
<td>$260.00</td>
</tr>
<tr>
<td>Betsy Graseck</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$311.00</td>
<td>$250.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Outperform</td>
<td>$371.00</td>
<td>$360.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$340.00</td>
<td>$335.00</td>
</tr>
<tr>
<td>Terry Ma</td>
<td>Barclays</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$297.00</td>
<td>$249.00</td>
</tr>
<tr>
<td>Keith Horowitz</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Neutral</td>
<td>$327.00</td>
<td>$300.00</td>
</tr>
</tbody>
</table>
<div class="lb-trans"><table>
<thead>
<tr>
<th>分析师</th>
<th>分析师公司</th>
<th>采取的行动</th>
<th>评级</th>
<th>当前价格目标</th>
<th>之前价格目标</th>
</tr>
</thead>
<tbody>
<tr>
<td>Donald Fandetti</td>
<td>富国银行</td>
<td>上调</td>
<td>超配</td>
<td>$375.00</td>
<td>$350.00</td>
</tr>
<tr>
<td>Mark Devries</td>
<td>德意志银行</td>
<td>上调</td>
<td>买入</td>
<td>$375.00</td>
<td>$371.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>摩根大通</td>
<td>上调</td>
<td>中性</td>
<td>$342.00</td>
<td>$260.00</td>
</tr>
<tr>
<td>Betsy Graseck</td>
<td>摩根士丹利</td>
<td>上调</td>
<td>持平</td>
<td>$311.00</td>
<td>$250.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>上调</td>
<td>超过市场</td>
<td>$371.00</td>
<td>$360.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>上调</td>
<td>买入</td>
<td>$340.00</td>
<td>$335.00</td>
</tr>
<tr>
<td>Terry Ma</td>
<td>巴克莱</td>
<td>上调</td>
<td>持平</td>
<td>$297.00</td>
<td>$249.00</td>
</tr>
<tr>
<td>Keith Horowitz</td>
<td>花旗集团</td>
<td>上调</td>
<td>中性</td>
<td>$327.00</td>
<td>$300.00</td>
</tr>
</tbody>
</table>
</div><h3>Key Insights:</h3>
<div class="lb-trans"><h3>关键见解：</h3>
</div><ul>
<li><strong>Action Taken:</strong> Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to American Express. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> Offering a comprehensive view, analysts assess stocks qualitatively, spanning from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of American Express compared to the broader market.</li>
<li><strong>Price Targets:</strong> Delving into movements, analysts provide estimates for the future value of American Express's stock. This analysis reveals shifts in analysts' expectations over time.</li>
</ul>
<div class="lb-trans"><ul>
<li><strong>采取的行动：</strong> 分析师根据市场条件和公司表现调整他们的建议。无论是 ‘维持’，‘上调’ 还是 ‘下调’ 他们的立场，反映了他们对美国运通近期发展的反应。这些信息提供了分析师对公司当前状态的快照。</li>
<li><strong>评级：</strong> 提供全面视角，分析师对股票进行定性评估，从 ‘超过市场’ 到 ‘低于市场’。这些评级传达了对美国运通相对于更广泛市场表现的预期。</li>
<li><strong>价格目标：</strong> 深入分析变动，分析师提供对美国运通股票未来价值的估计。这一分析揭示了分析师预期随时间的变化。</li>
</ul>
</div><p>Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of American Express's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.</p>
<div class="lb-trans"><p>将这些分析师评估与相关财务指标结合分析，可以提供对美国运通市场地位的全面视角。保持信息灵通，并在我们的评级表的帮助下做出数据驱动的决策。</p>
</div><p>Stay up to date on American Express analyst ratings.</p>
<div class="lb-trans"><p>随时了解美国运通分析师评级。</p>
</div><h2>Unveiling the Story Behind American Express</h2>
<div class="lb-trans"><h2>揭示美国运通背后的故事</h2>
</div><p>American Express is a global financial institution, operating in about 130 countries, that provides consumers and businesses charge and credit card payment products. The company also operates a highly profitable merchant payment network. The firm operates in four segments: US consumer services, US commercial services, international card services, and global merchant and network services. In addition to payment products, the company's commercial business offers expense management tools, consulting services, and business loans.</p>
<div class="lb-trans"><p>美国运通是一家全球金融机构，在约 130 个国家运营，提供消费者和企业的信用卡和借记卡支付产品。该公司还运营着一个高盈利的商户支付网络。该公司分为四个部门：美国消费者服务、美国商业服务、国际卡服务和全球商户及网络服务。除了支付产品外，该公司的商业业务还提供费用管理工具、咨询服务和商业贷款。</p>
</div><h3>Financial Milestones: American Express's Journey</h3>
<div class="lb-trans"><h3>财务里程碑：美国运通的历程</h3>
</div><p><strong>Market Capitalization:</strong> Boasting an elevated market capitalization, the company surpasses industry averages. This signals substantial size and strong market recognition.</p>
<div class="lb-trans"><p><strong>市值：</strong> 拥有较高的市值，该公司超过了行业平均水平。这表明其规模庞大且市场认可度强。</p>
</div><p><strong>Positive Revenue Trend:</strong> Examining American Express's financials over 3M reveals a positive narrative. The company achieved a noteworthy revenue growth rate of <strong>9.32%</strong> as of 30 June, 2025, showcasing a substantial increase in top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.</p>
<div class="lb-trans"><p><strong>积极的收入趋势：</strong> 对美国运通的财务数据进行 3 个月的审查显示出积极的叙述。截止 2025 年 6 月 30 日，该公司实现了 <strong>9.32%</strong> 的显著收入增长率，展示了顶线收益的显著增加。与竞争对手相比，该公司的增长率低于金融行业的平均水平。</p>
</div><p><strong>Net Margin:</strong> American Express's net margin excels beyond industry benchmarks, reaching <strong>15.97%</strong>. This signifies efficient cost management and strong financial health.</p>
<div class="lb-trans"><p><strong>净利润率：</strong> 美国运通的净利润率超过行业基准，达到 <strong>15.97%</strong>。这表明其成本管理高效，财务健康状况良好。</p>
</div><p><strong>Return on Equity (ROE):</strong> American Express's ROE surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive <strong>8.98%</strong> ROE, the company effectively utilizes shareholder equity capital.</p>
<div class="lb-trans"><p><strong>股本回报率（ROE）：</strong> 美国运通的 ROE 超过行业标准，突显了公司的卓越财务表现。其 ROE 达到 <strong>8.98%</strong>，有效利用了股东权益资本。</p>
</div><p><strong>Return on Assets (ROA):</strong> The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of <strong>0.99%,</strong> the company may need to address challenges in generating satisfactory returns from its assets.</p>
<div class="lb-trans"><p><strong>资产回报率（ROA）：</strong> 该公司的 ROA 低于行业基准，表明在有效利用资产方面可能存在困难。ROA 为 <strong>0.99%</strong>，公司可能需要解决从资产中产生令人满意回报的挑战。</p>
</div><p><strong>Debt Management:</strong> American Express's debt-to-equity ratio is below the industry average at <strong>1.85</strong>, reflecting a lower dependency on debt financing and a more conservative financial approach.</p>
<div class="lb-trans"><p><strong>债务管理：</strong> 美国运通的债务与股本比率低于行业平均水平，达到 <strong>1.85</strong>，反映出对债务融资的依赖较低，财务策略更为保守。</p>
</div><h2>The Significance of Analyst Ratings Explained</h2>
<div class="lb-trans"><h2>分析师评级的重要性解释</h2>
</div><p>Ratings come from analysts, or specialists within banking and financial systems that report for specific stocks or defined sectors (typically once per quarter for each stock). Analysts usually derive their information from company conference calls and meetings, financial statements, and conversations with important insiders to reach their decisions.</p>
<div class="lb-trans"><p>评级来自分析师，或在银行和金融系统内的专家，他们为特定股票或定义的行业报告（通常每季度一次）。分析师通常从公司电话会议和会议、财务报表以及与重要内部人士的对话中获取信息，以做出决策。</p>
</div><p>Analysts may supplement their ratings with predictions for metrics like growth estimates, earnings, and revenue, offering investors a more comprehensive outlook. However, investors should be mindful that analysts, like any human, can have subjective perspectives influencing their forecasts.</p>
<div class="lb-trans"><p>分析师可能会通过对增长预估、收益和收入等指标的预测来补充他们的评级，为投资者提供更全面的前景。然而，投资者应注意，分析师和任何人一样，可能会受到主观观点的影响，从而影响他们的预测。</p>
</div><p><strong>Which Stocks Are Analysts Recommending Now?</strong></p>
<div class="lb-trans"><p><strong>分析师现在推荐哪些股票？</strong></p>
</div><p>Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. Click here to stay ahead of the market.</p>
<div class="lb-trans"><p>Benzinga Edge 让您即时访问所有主要的分析师升级、降级和价格目标。按准确性、上涨潜力等进行排序。点击这里以领先市场。</p>
</div><p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>
<div class="lb-trans"><p>本文由 Benzinga 的自动内容引擎生成，并由编辑审核。</p>
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深入探讨美国运通股票：分析师的观点（8 项评级）