American Express Company 2023 Financial Overview:

Financial Metric	Amount
Total Revenue	$40 billion
Cost of Goods Sold	$15 billion
Operating Expenses	$20 billion
Interest Expense	$1.5 billion
Tax Expense	$2.5 billion
Total Assets	$90 billion
Total Liabilities	$50 billion

1. Calculate the gross profit margin.
2. Determine the operating profit margin.
3. Compute the times interest earned (TIE) ratio.

Calculate the return on assets (ROA).