• American Express average return on investment for 2023 was 11.01, a 9.16% increase from 2022.
• American Express average return on investment for 2022 was 12.12, a 13.7% decline from 2021.
• American Express average return on investment for 2021 was 10.66, a 103.44% increase from 2020.

Roi - return on investment can be defined as an indicator of how profitable a company is relative to its assets invested by shareholders and long-term bond holders. Calculated by dividing a company's operating earnings by its long-term debt and shareholders equity.