American Express Company - Asset Resilience Ratio
American Express Company (AXP) has an Asset Resilience Ratio of 14.77% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read AXP total debt and obligations for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1989–2025)
This chart shows how American Express Company's Asset Resilience Ratio has changed over time. See American Express Company net assets for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down American Express Company's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see market value of American Express Company.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $43.49 Billion | 14.49% |
| Short-term Investments | $826.00 Million | 0.28% |
| Total Liquid Assets | $44.32 Billion | 14.77% |
Asset Resilience Insights
- Moderate Liquidity: American Express Company has 14.77% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company primarily holds liquidity in cash and equivalents rather than short-term investments.
American Express Company Industry Peers by Asset Resilience Ratio
Compare American Express Company's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Western Union Co
NYSE:WU |
Credit Services | 30.80% |
|
AEON Thana Sinsap (Thailand) Public Company Limited
BK:AEONTS |
Credit Services | 4.75% |
|
Muthoot Microfin Limited
NSE:MUTHOOTMF |
Credit Services | 4.11% |
|
PTC India Financial Services Limited
NSE:PFS |
Credit Services | 16.15% |
|
Arman Financial Services Limited
NSE:ARMANFIN |
Credit Services | 35.70% |
|
Hexa Tradex Limited
NSE:HEXATRADEX |
Credit Services | 0.09% |
|
EN Shoham Business Ltd
TA:SHOM |
Credit Services | 0.05% |
|
ALBIS Leasing AG
XETRA:ALG |
Credit Services | 1.19% |
Annual Asset Resilience Ratio for American Express Company (1989–2025)
The table below shows the annual Asset Resilience Ratio data for American Express Company.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 14.77% | $44.32 Billion | $300.05 Billion | +0.70pp |
| 2024-12-31 | 14.07% | $38.20 Billion | $271.46 Billion | -1.80pp |
| 2023-12-31 | 15.87% | $41.43 Billion | $261.11 Billion | -1.15pp |
| 2022-12-31 | 17.02% | $38.85 Billion | $228.35 Billion | +4.54pp |
| 2021-12-31 | 12.48% | $23.52 Billion | $188.55 Billion | -14.42pp |
| 2020-12-31 | 26.89% | $51.47 Billion | $191.37 Billion | +12.37pp |
| 2019-12-31 | 14.53% | $28.81 Billion | $198.32 Billion | +0.62pp |
| 2018-12-31 | 13.91% | $26.29 Billion | $189.00 Billion | -3.13pp |
| 2017-12-31 | 17.04% | $30.87 Billion | $181.20 Billion | +1.93pp |
| 2016-12-31 | 15.11% | $24.00 Billion | $158.89 Billion | +14.95pp |
| 2015-12-31 | 0.16% | $258.00 Million | $161.00 Billion | +0.03pp |
| 2014-12-31 | 0.13% | $204.00 Million | $159.10 Billion | -0.19pp |
| 2013-12-31 | 0.32% | $486.00 Million | $153.00 Billion | +0.15pp |
| 2012-12-31 | 0.16% | $250.00 Million | $153.14 Billion | +0.23pp |
| 2011-12-31 | -0.07% | $-107.00 Million | $153.34 Billion | +0.13pp |
| 2010-12-31 | -0.20% | $-291.00 Million | $147.00 Billion | -3.45pp |
| 2009-12-31 | 3.25% | $4.06 Billion | $125.14 Billion | -6.60pp |
| 2008-12-31 | 9.85% | $12.42 Billion | $126.07 Billion | +9.67pp |
| 2007-12-31 | 0.18% | $276.00 Million | $149.74 Billion | -2.40pp |
| 2006-12-31 | 2.58% | $3.31 Billion | $128.33 Billion | -1.58pp |
| 2005-12-31 | 4.16% | $4.74 Billion | $113.96 Billion | +3.60pp |
| 2004-12-31 | 0.57% | $1.10 Billion | $194.22 Billion | -1.07pp |
| 2003-12-31 | 1.64% | $2.87 Billion | $175.00 Billion | -1.37pp |
| 2002-12-31 | 3.01% | $4.74 Billion | $157.25 Billion | +0.59pp |
| 2001-12-31 | 2.42% | $3.66 Billion | $151.10 Billion | +0.43pp |
| 2000-12-31 | 2.00% | $3.08 Billion | $154.42 Billion | -13.41pp |
| 1992-12-31 | 15.40% | $27.07 Billion | $175.75 Billion | +4.69pp |
| 1991-12-31 | 10.71% | $15.69 Billion | $146.44 Billion | +6.46pp |
| 1990-12-31 | 4.25% | $5.85 Billion | $137.68 Billion | -5.83pp |
| 1989-12-31 | 10.08% | $13.19 Billion | $130.85 Billion | -- |
About American Express Company
American Express Company, together with its subsidiaries, operates as an integrated payments company in the United States, Europe, the Middle East and Africa, the Asia Pacific, Australia, New Zealand, Latin America, Canada, the Caribbean, and internationally. It operates through four segments: U.S. Consumer Services, Commercial Services, International Card Services, and Global Merchant and Networ… Read more