<p>分析師對美國運通（NYSE: AXP）在過去一個季度的評級從看漲到看跌不等，共有 9 位分析師提供了相關信息。</p>
<p>下表總結了他們最近的評級，展示了過去 30 天內情緒的變化，並與前幾個月進行了比較。</p>
<table>
<thead>
<tr>
<th></th>
<th align="right"><strong>看漲</strong></th>
<th align="right"><strong>稍微看漲</strong></th>
<th align="right"><strong>無所謂</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>總評級</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">1</td>
</tr>
<tr>
<td><strong>過去 30 天</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>
<tr>
<td><strong>1 個月前</strong></td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2 個月前</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>3 個月前</strong></td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">1</td>
</tr>
</tbody>
</table>
<p>分析師們提供了更深入的見解，設定了 12 個月的價格目標，顯示出平均目標為 374.33 美元，最高預估為 425.00 美元，最低預估為 307.00 美元。當前平均目標較之前的 349.22 美元上升了 7.19%。</p>
<p><img src="https://imageproxy.pbkrs.com/https://www.benzinga.com/files/images/story/2026/1767895290_0.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="價格目標圖表" width="700" height="500" original-src="https://imageproxy.pbkrs.com/https://www.benzinga.com/files/images/story/2026/1767895290_0.png"/></p>
<h2>理解分析師評級：全面解析</h2>
<p>通過對最近分析師行動的深入分析，可以清楚地瞭解美國運通在金融專家中的地位。以下總結了關鍵分析師、他們最近的評估以及對評級和價格目標的調整。</p>
<table>
<thead>
<tr>
<th>分析師</th>
<th>分析師公司</th>
<th>採取的行動</th>
<th>評級</th>
<th>當前價格目標</th>
<th>之前價格目標</th>
</tr>
</thead>
<tbody>
<tr>
<td>Moshe Orenbuch</td>
<td>TD Cowen</td>
<td>上調</td>
<td>持有</td>
<td>$375.00</td>
<td>$350.00</td>
</tr>
<tr>
<td>Terry Ma</td>
<td>Barclays</td>
<td>上調</td>
<td>等權重</td>
<td>$367.00</td>
<td>$355.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>上調</td>
<td>買入</td>
<td>$420.00</td>
<td>$395.00</td>
</tr>
<tr>
<td>Donald Fandetti</td>
<td>Wells Fargo</td>
<td>上調</td>
<td>超配</td>
<td>$425.00</td>
<td>$400.00</td>
</tr>
<tr>
<td>Mikhail Paramonov</td>
<td>Freedom Capital Markets</td>
<td>上調</td>
<td>持有</td>
<td>$325.00</td>
<td>$280.00</td>
</tr>
<tr>
<td>Donald Fandetti</td>
<td>Wells Fargo</td>
<td>上調</td>
<td>超配</td>
<td>$400.00</td>
<td>$375.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>上調</td>
<td>買入</td>
<td>$395.00</td>
<td>$375.00</td>
</tr>
<tr>
<td>Terry Ma</td>
<td>Barclays</td>
<td>上調</td>
<td>等權重</td>
<td>$355.00</td>
<td>$336.00</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>BTIG</td>
<td>上調</td>
<td>賣出</td>
<td>$307.00</td>
<td>$277.00</td>
</tr>
</tbody>
</table>
<h3>關鍵見解：</h3>
<ul>
<li><strong>採取的行動：</strong> 針對動態市場條件和公司表現，分析師更新他們的建議。無論是'維持'、'上調'還是'下調'，都表明他們對美國運通近期發展的反應。這一見解提供了分析師對公司當前狀態的快照。</li>
<li><strong>評級：</strong> 通過分析趨勢，分析師提供定性評估，範圍從'表現優於大盤'到'表現不及大盤'。這些評級傳達了對美國運通相對於更廣泛市場的表現預期。</li>
<li><strong>價格目標：</strong> 分析師提供價格目標的見解，給出對美國運通股票未來價值的估計。這一比較揭示了分析師預期隨時間變化的趨勢。</li>
</ul>
<p>為了全面瞭解美國運通的市場表現，請結合這些分析師評估與重要財務指標進行探索。保持信息靈通，利用我們的評級表做出明智的決策。</p>
<p>隨時瞭解美國運通分析師評級。</p>
<h2>揭示美國運通背後的故事</h2>
<p>美國運通是一家全球金融機構，在約 130 個國家運營，提供消費者和企業的信用卡和借記卡支付產品。該公司還運營着一個高盈利的商户支付網絡。它分為四個部門：美國消費者服務、美國商業服務、國際卡服務和全球商户及網絡服務。除了支付產品外，該公司的商業業務還提供費用管理工具、諮詢服務和商業貸款。</p>
<h3>深入分析美國運通的財務狀況</h3>
<p><strong>市值分析：</strong> 該公司的市值高於行業平均水平，反映出其規模龐大和市場認可度強。</p>
<p><strong>收入增長：</strong> 美國運通在過去 3 個月的收入增長顯著。截至 2025 年 9 月 30 日，該公司的收入增長率約為 <strong>10.76%</strong>。這表明公司在營收方面有顯著增加。與競爭對手相比，該公司面臨困難，增長率低於金融行業的平均水平。</p>
<p><strong>淨利潤率：</strong> 美國運通的淨利潤率低於行業平均水平，表明在保持強勁盈利能力方面面臨挑戰。淨利潤率為 <strong>15.57%</strong>，公司在有效成本管理方面可能面臨困難。</p>
<p><strong>股本回報率（ROE）：</strong> 美國運通的 ROE 超過行業標準，突顯出公司的卓越財務表現。ROE 為 <strong>8.86%</strong>，公司有效利用股東權益資本。</p>
<p><strong>資產回報率（ROA）：</strong> 美國運通的 ROA 低於行業平均水平，表明在有效利用資產方面面臨挑戰。ROA 為 <strong>0.97%</strong>，公司在從資產中產生最佳回報方面可能面臨困難。</p>
<p><strong>債務管理：</strong> 美國運通的債務與股本比率低於平均水平，為 <strong>1.83</strong>，表明其採取了謹慎的財務策略，顯示出對債務管理的平衡方法。</p>
<h2>分析師評級是如何確定的？</h2>
<p>評級來自分析師，或在銀行和金融系統內的專家，他們為特定股票或定義的行業報告（通常每季度一次）。分析師通常通過公司電話會議和會議、財務報表以及與重要內部人士的對話來獲取信息，以達成他們的決策。</p>
<p>除了標準評估外，一些分析師還提供關於增長預估、收益和收入等指標的預測，為投資者提供額外的指導。使用分析師評級的用户應注意，這些專業建議受到人類觀點的影響，可能會存在變動。</p>
<p>本文由 Benzinga 的自動內容引擎生成，並經過編輯審核。</p>

美國運通

<p>分析師對美國運通（NYSE:AXP）的評級顯示，過去一個季度中 9 位專家的看法呈現出看漲和看跌的混合情緒。12 個月的平均目標價已上升至 374.33 美元，比之前的目標上漲了 7.19%。主要分析師提高了他們的評級和目標價，反映出積極的市場狀況。美國運通的市值高於行業平均水平，收入增長率為 10.76%。然而，其淨利潤率為 15.57%，落後於同行，而其股本回報率（ROE）為 8.86%，超過行業標準。分析師的評級來源於各種財務洞察和公司績效指標</p>

<p>Analysts' ratings for American Express (NYSE: AXP) over the last quarter vary from bullish to bearish, as provided by 9 analysts.</p>
<div class="lb-trans"><p>分析師對美國運通（NYSE: AXP）在過去一個季度的評級從看漲到看跌不等，共有 9 位分析師提供了相關信息。</p>
</div><p>The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.</p>
<div class="lb-trans"><p>下表總結了他們最近的評級，展示了過去 30 天內情緒的變化，並與前幾個月進行了比較。</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">1</td>
</tr>
<tr>
<td><strong>Last 30D</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>
<tr>
<td><strong>1M Ago</strong></td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2M 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>3M Ago</strong></td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">1</td>
</tr>
</tbody>
</table>
<div class="lb-trans"><table>
<thead>
<tr>
<th></th>
<th align="right"><strong>看漲</strong></th>
<th align="right"><strong>稍微看漲</strong></th>
<th align="right"><strong>無所謂</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>總評級</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">1</td>
</tr>
<tr>
<td><strong>過去 30 天</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>
<tr>
<td><strong>1 個月前</strong></td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2 個月前</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>3 個月前</strong></td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">1</td>
</tr>
</tbody>
</table>
</div><p>Providing deeper insights, analysts have established 12-month price targets, indicating an average target of $374.33, along with a high estimate of $425.00 and a low estimate of $307.00. Witnessing a positive shift, the current average has risen by 7.19% from the previous average price target of $349.22.</p>
<div class="lb-trans"><p>分析師們提供了更深入的見解，設定了 12 個月的價格目標，顯示出平均目標為 374.33 美元，最高預估為 425.00 美元，最低預估為 307.00 美元。當前平均目標較之前的 349.22 美元上升了 7.19%。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://www.benzinga.com/files/images/story/2026/1767895290_0.png" alt="price target chart" original-src="https://www.benzinga.com/files/images/story/2026/1767895290_0.png"/></p>
<h2>Understanding Analyst Ratings: A Comprehensive Breakdown</h2>
<div class="lb-trans"><h2>理解分析師評級：全面解析</h2>
</div><p>The standing of American Express among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<div class="lb-trans"><p>通過對最近分析師行動的深入分析，可以清楚地瞭解美國運通在金融專家中的地位。以下總結了關鍵分析師、他們最近的評估以及對評級和價格目標的調整。</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>Moshe Orenbuch</td>
<td>TD Cowen</td>
<td>Raises</td>
<td>Hold</td>
<td>$375.00</td>
<td>$350.00</td>
</tr>
<tr>
<td>Terry Ma</td>
<td>Barclays</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$367.00</td>
<td>$355.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$420.00</td>
<td>$395.00</td>
</tr>
<tr>
<td>Donald Fandetti</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Overweight</td>
<td>$425.00</td>
<td>$400.00</td>
</tr>
<tr>
<td>Mikhail Paramonov</td>
<td>Freedom Capital Markets</td>
<td>Raises</td>
<td>Hold</td>
<td>$325.00</td>
<td>$280.00</td>
</tr>
<tr>
<td>Donald Fandetti</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Overweight</td>
<td>$400.00</td>
<td>$375.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$395.00</td>
<td>$375.00</td>
</tr>
<tr>
<td>Terry Ma</td>
<td>Barclays</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$355.00</td>
<td>$336.00</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>BTIG</td>
<td>Raises</td>
<td>Sell</td>
<td>$307.00</td>
<td>$277.00</td>
</tr>
</tbody>
</table>
<div class="lb-trans"><table>
<thead>
<tr>
<th>分析師</th>
<th>分析師公司</th>
<th>採取的行動</th>
<th>評級</th>
<th>當前價格目標</th>
<th>之前價格目標</th>
</tr>
</thead>
<tbody>
<tr>
<td>Moshe Orenbuch</td>
<td>TD Cowen</td>
<td>上調</td>
<td>持有</td>
<td>$375.00</td>
<td>$350.00</td>
</tr>
<tr>
<td>Terry Ma</td>
<td>Barclays</td>
<td>上調</td>
<td>等權重</td>
<td>$367.00</td>
<td>$355.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>上調</td>
<td>買入</td>
<td>$420.00</td>
<td>$395.00</td>
</tr>
<tr>
<td>Donald Fandetti</td>
<td>Wells Fargo</td>
<td>上調</td>
<td>超配</td>
<td>$425.00</td>
<td>$400.00</td>
</tr>
<tr>
<td>Mikhail Paramonov</td>
<td>Freedom Capital Markets</td>
<td>上調</td>
<td>持有</td>
<td>$325.00</td>
<td>$280.00</td>
</tr>
<tr>
<td>Donald Fandetti</td>
<td>Wells Fargo</td>
<td>上調</td>
<td>超配</td>
<td>$400.00</td>
<td>$375.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>上調</td>
<td>買入</td>
<td>$395.00</td>
<td>$375.00</td>
</tr>
<tr>
<td>Terry Ma</td>
<td>Barclays</td>
<td>上調</td>
<td>等權重</td>
<td>$355.00</td>
<td>$336.00</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>BTIG</td>
<td>上調</td>
<td>賣出</td>
<td>$307.00</td>
<td>$277.00</td>
</tr>
</tbody>
</table>
</div><h3>Key Insights:</h3>
<div class="lb-trans"><h3>關鍵見解：</h3>
</div><ul>
<li><strong>Action Taken:</strong> In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to American Express. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li><strong>Rating:</strong> Analyzing trends, analysts offer qualitative evaluations, ranging 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> Analysts provide insights into price targets, offering estimates for the future value of American Express's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
<div class="lb-trans"><ul>
<li><strong>採取的行動：</strong> 針對動態市場條件和公司表現，分析師更新他們的建議。無論是'維持'、'上調'還是'下調'，都表明他們對美國運通近期發展的反應。這一見解提供了分析師對公司當前狀態的快照。</li>
<li><strong>評級：</strong> 通過分析趨勢，分析師提供定性評估，範圍從'表現優於大盤'到'表現不及大盤'。這些評級傳達了對美國運通相對於更廣泛市場的表現預期。</li>
<li><strong>價格目標：</strong> 分析師提供價格目標的見解，給出對美國運通股票未來價值的估計。這一比較揭示了分析師預期隨時間變化的趨勢。</li>
</ul>
</div><p>To gain a panoramic view of American Express's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using our Ratings Table.</p>
<div class="lb-trans"><p>為了全面瞭解美國運通的市場表現，請結合這些分析師評估與重要財務指標進行探索。保持信息靈通，利用我們的評級表做出明智的決策。</p>
</div><p>Stay up to date on American Express analyst ratings.</p>
<div class="lb-trans"><p>隨時瞭解美國運通分析師評級。</p>
</div><h2>Unveiling the Story Behind American Express</h2>
<div class="lb-trans"><h2>揭示美國運通背後的故事</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. It 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>美國運通是一家全球金融機構，在約 130 個國家運營，提供消費者和企業的信用卡和借記卡支付產品。該公司還運營着一個高盈利的商户支付網絡。它分為四個部門：美國消費者服務、美國商業服務、國際卡服務和全球商户及網絡服務。除了支付產品外，該公司的商業業務還提供費用管理工具、諮詢服務和商業貸款。</p>
</div><h3>A Deep Dive into American Express's Financials</h3>
<div class="lb-trans"><h3>深入分析美國運通的財務狀況</h3>
</div><p><strong>Market Capitalization Analysis:</strong> With a profound presence, the company's market capitalization is above industry averages. This reflects substantial size and strong market recognition.</p>
<div class="lb-trans"><p><strong>市值分析：</strong> 該公司的市值高於行業平均水平，反映出其規模龐大和市場認可度強。</p>
</div><p><strong>Revenue Growth:</strong> American Express's revenue growth over a period of 3M has been noteworthy. As of 30 September, 2025, the company achieved a revenue growth rate of approximately <strong>10.76%</strong>. This indicates a substantial increase in the company's 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>收入增長：</strong> 美國運通在過去 3 個月的收入增長顯著。截至 2025 年 9 月 30 日，該公司的收入增長率約為 <strong>10.76%</strong>。這表明公司在營收方面有顯著增加。與競爭對手相比，該公司面臨困難，增長率低於金融行業的平均水平。</p>
</div><p><strong>Net Margin:</strong> American Express's net margin lags behind industry averages, suggesting challenges in maintaining strong profitability. With a net margin of <strong>15.57%,</strong> the company may face hurdles in effective cost management.</p>
<div class="lb-trans"><p><strong>淨利潤率：</strong> 美國運通的淨利潤率低於行業平均水平，表明在保持強勁盈利能力方面面臨挑戰。淨利潤率為 <strong>15.57%</strong>，公司在有效成本管理方面可能面臨困難。</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>8.86%</strong> ROE, the company effectively utilizes shareholder equity capital.</p>
<div class="lb-trans"><p><strong>股本回報率（ROE）：</strong> 美國運通的 ROE 超過行業標準，突顯出公司的卓越財務表現。ROE 為 <strong>8.86%</strong>，公司有效利用股東權益資本。</p>
</div><p><strong>Return on Assets (ROA):</strong> American Express's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of <strong>0.97%,</strong> the company may face hurdles in generating optimal returns from its assets.</p>
<div class="lb-trans"><p><strong>資產回報率（ROA）：</strong> 美國運通的 ROA 低於行業平均水平，表明在有效利用資產方面面臨挑戰。ROA 為 <strong>0.97%</strong>，公司在從資產中產生最佳回報方面可能面臨困難。</p>
</div><p><strong>Debt Management:</strong> With a below-average debt-to-equity ratio of <strong>1.83</strong>, American Express adopts a prudent financial strategy, indicating a balanced approach to debt management.</p>
<div class="lb-trans"><p><strong>債務管理：</strong> 美國運通的債務與股本比率低於平均水平，為 <strong>1.83</strong>，表明其採取了謹慎的財務策略，顯示出對債務管理的平衡方法。</p>
</div><h2>How Are Analyst Ratings Determined?</h2>
<div class="lb-trans"><h2>分析師評級是如何確定的？</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>評級來自分析師，或在銀行和金融系統內的專家，他們為特定股票或定義的行業報告（通常每季度一次）。分析師通常通過公司電話會議和會議、財務報表以及與重要內部人士的對話來獲取信息，以達成他們的決策。</p>
</div><p>Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.</p>
<div class="lb-trans"><p>除了標準評估外，一些分析師還提供關於增長預估、收益和收入等指標的預測，為投資者提供額外的指導。使用分析師評級的用户應注意，這些專業建議受到人類觀點的影響，可能會存在變動。</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 的自動內容引擎生成，並經過編輯審核。</p>
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分析師的結論：9 位專家如何看待美國運通