AMERICAN EXPRESS CO (1AXP.MI) Fundamental Analysis & Valuation

BIT:1AXP • US0258161092

Current stock price

260.8 EUR
-46.3 (-15.08%)
Last:

This 1AXP.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. 1AXP.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1AXP was profitable.
  • 1AXP had a positive operating cash flow in the past year.
  • In the past 5 years 1AXP has always been profitable.
  • In the past 5 years 1AXP always reported a positive cash flow from operatings.
1AXP.MI Yearly Net Income VS EBIT VS OCF VS FCF1AXP.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

1.2 Ratios

  • 1AXP's Return On Assets of 3.50% is fine compared to the rest of the industry. 1AXP outperforms 80.00% of its industry peers.
  • Looking at the Return On Equity, with a value of 32.12%, 1AXP belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 3.77%, 1AXP is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
  • 1AXP had an Average Return On Invested Capital over the past 3 years of 3.64%. This is below the industry average of 6.46%.
  • The last Return On Invested Capital (3.77%) for 1AXP is above the 3 year average (3.64%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.5%
ROE 32.12%
ROIC 3.77%
ROA(3y)3.36%
ROA(5y)3.17%
ROE(3y)30.79%
ROE(5y)28.26%
ROIC(3y)3.64%
ROIC(5y)3.45%
1AXP.MI Yearly ROA, ROE, ROIC1AXP.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • The Profit Margin of 1AXP (13.72%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of 1AXP has remained more or less at the same level.
  • 1AXP's Operating Margin of 17.76% is fine compared to the rest of the industry. 1AXP outperforms 80.00% of its industry peers.
  • 1AXP's Operating Margin has been stable in the last couple of years.
  • 1AXP's Gross Margin of 61.93% is in line compared to the rest of the industry. 1AXP outperforms 50.00% of its industry peers.
  • In the last couple of years the Gross Margin of 1AXP has remained more or less at the same level.
Industry RankSector Rank
OM 17.76%
PM (TTM) 13.72%
GM 61.93%
OM growth 3Y-8.78%
OM growth 5Y-0.57%
PM growth 3Y-8.37%
PM growth 5Y-0.22%
GM growth 3Y-2.58%
GM growth 5Y-1.09%
1AXP.MI Yearly Profit, Operating, Gross Margins1AXP.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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2

2. 1AXP.MI Health Analysis

2.1 Basic Checks

  • 1AXP has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • 1AXP has less shares outstanding than it did 1 year ago.
  • 1AXP has less shares outstanding than it did 5 years ago.
  • 1AXP has a worse debt/assets ratio than last year.
1AXP.MI Yearly Shares Outstanding1AXP.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
1AXP.MI Yearly Total Debt VS Total Assets1AXP.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B 250B

2.2 Solvency

  • 1AXP has an Altman-Z score of 0.88. This is a bad value and indicates that 1AXP is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of 1AXP (0.88) is better than 80.00% of its industry peers.
  • 1AXP has a debt to FCF ratio of 11.04. This is a negative value and a sign of low solvency as 1AXP would need 11.04 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 11.04, 1AXP perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • A Debt/Equity ratio of 6.45 is on the high side and indicates that 1AXP has dependencies on debt financing.
  • 1AXP has a worse Debt to Equity ratio (6.45) than 90.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.45
Debt/FCF 11.04
Altman-Z 0.88
ROIC/WACC0.52
WACC7.21%
1AXP.MI Yearly LT Debt VS Equity VS FCF1AXP.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.3 Liquidity

  • A Current Ratio of 0.68 indicates that 1AXP may have some problems paying its short term obligations.
  • 1AXP has a worse Current ratio (0.68) than 60.00% of its industry peers.
  • A Quick Ratio of 0.68 indicates that 1AXP may have some problems paying its short term obligations.
  • 1AXP's Quick ratio of 0.68 is on the low side compared to the rest of the industry. 1AXP is outperformed by 60.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.68
Quick Ratio 0.68
1AXP.MI Yearly Current Assets VS Current Liabilites1AXP.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. 1AXP.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 15.24% over the past year.
  • The Earnings Per Share has been growing by 10.27% on average over the past years. This is quite good.
  • 1AXP shows a small growth in Revenue. In the last year, the Revenue has grown by 4.37%.
  • Measured over the past years, 1AXP shows a quite strong growth in Revenue. The Revenue has been growing by 8.79% on average per year.
EPS 1Y (TTM)15.24%
EPS 3Y10.15%
EPS 5Y10.27%
EPS Q2Q%18.62%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y17.95%
Revenue growth 5Y8.79%
Sales Q2Q%10.76%

3.2 Future

  • The Earnings Per Share is expected to grow by 13.41% on average over the next years. This is quite good.
  • 1AXP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.50% yearly.
EPS Next Y16.7%
EPS Next 2Y14.82%
EPS Next 3Y14.74%
EPS Next 5Y13.41%
Revenue Next Year9.39%
Revenue Next 2Y9.18%
Revenue Next 3Y9.05%
Revenue Next 5Y7.5%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
1AXP.MI Yearly Revenue VS Estimates1AXP.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B 80B
1AXP.MI Yearly EPS VS Estimates1AXP.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15 20 25

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3

4. 1AXP.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • 1AXP is valuated rather expensively with a Price/Earnings ratio of 20.55.
  • 1AXP's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 25.50, 1AXP is valued at the same level.
  • The Price/Forward Earnings ratio is 17.40, which indicates a rather expensive current valuation of 1AXP.
  • 1AXP's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. 1AXP is more expensive than 70.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.67, 1AXP is valued a bit cheaper.
Industry RankSector Rank
PE 20.55
Fwd PE 17.4
1AXP.MI Price Earnings VS Forward Price Earnings1AXP.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, 1AXP is valued a bit cheaper than 70.00% of the companies in the same industry.
  • 1AXP's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. 1AXP is more expensive than 60.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.14
EV/EBITDA 17.09
1AXP.MI Per share data1AXP.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • 1AXP's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The decent profitability rating of 1AXP may justify a higher PE ratio.
  • 1AXP's earnings are expected to grow with 14.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.23
PEG (5Y)2
EPS Next 2Y14.82%
EPS Next 3Y14.74%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. 1AXP.MI Dividend Analysis

5.1 Amount

  • 1AXP has a yearly dividend return of 0.89%, which is pretty low.
  • Compared to an average industry Dividend Yield of 1.99, 1AXP pays a bit more dividend than its industry peers.
  • With a Dividend Yield of 0.89, 1AXP pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 0.89%

5.2 History

  • On average, the dividend of 1AXP grows each year by 10.33%, which is quite nice.
Dividend Growth(5Y)10.33%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 1AXP pays out 21.11% of its income as dividend. This is a sustainable payout ratio.
  • 1AXP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP21.11%
EPS Next 2Y14.82%
EPS Next 3Y14.74%
1AXP.MI Yearly Income VS Free CF VS Dividend1AXP.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
1AXP.MI Dividend Payout.1AXP.MI Dividend Payout, showing the Payout Ratio.1AXP.MI Dividend Payout.PayoutRetained Earnings

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1AXP.MI Fundamentals: All Metrics, Ratios and Statistics

AMERICAN EXPRESS CO

BIT:1AXP (3/24/2026, 7:00:00 PM)

260.8

-46.3 (-15.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-17
Earnings (Next)01-30
Inst Owners65.15%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap179.65B
Revenue(TTM)75.91B
Net Income(TTM)10.41B
Analysts68.89
Price Target323.21 (23.93%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.89%
Yearly Dividend2.39
Dividend Growth(5Y)10.33%
DP21.11%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.22%
Min EPS beat(2)2.58%
Max EPS beat(2)3.86%
EPS beat(4)3
Avg EPS beat(4)2.4%
Min EPS beat(4)-0.95%
Max EPS beat(4)4.09%
EPS beat(8)6
Avg EPS beat(8)3.9%
EPS beat(12)8
Avg EPS beat(12)2.15%
EPS beat(16)12
Avg EPS beat(16)3.7%
Revenue beat(2)1
Avg Revenue beat(2)0.45%
Min Revenue beat(2)-0.18%
Max Revenue beat(2)1.09%
Revenue beat(4)1
Avg Revenue beat(4)-0.19%
Min Revenue beat(4)-0.88%
Max Revenue beat(4)1.09%
Revenue beat(8)1
Avg Revenue beat(8)-0.95%
Revenue beat(12)3
Avg Revenue beat(12)0.48%
Revenue beat(16)7
Avg Revenue beat(16)1.9%
PT rev (1m)5.11%
PT rev (3m)15.69%
EPS NQ rev (1m)-0.83%
EPS NQ rev (3m)-1.98%
EPS NY rev (1m)-0.32%
EPS NY rev (3m)0.11%
Revenue NQ rev (1m)0.18%
Revenue NQ rev (3m)0.7%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)0.34%
Valuation
Industry RankSector Rank
PE 20.55
Fwd PE 17.4
P/S 2.78
P/FCF 11.14
P/OCF 9.98
P/B 6.51
P/tB 6.51
EV/EBITDA 17.09
EPS(TTM)12.69
EY4.87%
EPS(NY)14.99
Fwd EY5.75%
FCF(TTM)23.42
FCFY8.98%
OCF(TTM)26.13
OCFY10.02%
SpS93.85
BVpS40.08
TBVpS40.08
PEG (NY)1.23
PEG (5Y)2
Graham Number106.97
Profitability
Industry RankSector Rank
ROA 3.5%
ROE 32.12%
ROCE 10.25%
ROIC 3.77%
ROICexc 4.62%
ROICexgc 5.14%
OM 17.76%
PM (TTM) 13.72%
GM 61.93%
FCFM 24.95%
ROA(3y)3.36%
ROA(5y)3.17%
ROE(3y)30.79%
ROE(5y)28.26%
ROIC(3y)3.64%
ROIC(5y)3.45%
ROICexc(3y)4.36%
ROICexc(5y)4.08%
ROICexgc(3y)4.66%
ROICexgc(5y)4.41%
ROCE(3y)9.86%
ROCE(5y)9.06%
ROICexgc growth 3Y-4.54%
ROICexgc growth 5Y1.68%
ROICexc growth 3Y-3.59%
ROICexc growth 5Y1.93%
OM growth 3Y-8.78%
OM growth 5Y-0.57%
PM growth 3Y-8.37%
PM growth 5Y-0.22%
GM growth 3Y-2.58%
GM growth 5Y-1.09%
F-Score6
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 6.45
Debt/FCF 11.04
Debt/EBITDA 13.73
Cap/Depr 126.1%
Cap/Sales 2.9%
Interest Coverage 250
Cash Conversion 138.84%
Profit Quality 181.93%
Current Ratio 0.68
Quick Ratio 0.68
Altman-Z 0.88
F-Score6
WACC7.21%
ROIC/WACC0.52
Cap/Depr(3y)107.59%
Cap/Depr(5y)102%
Cap/Sales(3y)2.77%
Cap/Sales(5y)3.15%
Profit Quality(3y)195.73%
Profit Quality(5y)177.62%
High Growth Momentum
Growth
EPS 1Y (TTM)15.24%
EPS 3Y10.15%
EPS 5Y10.27%
EPS Q2Q%18.62%
EPS Next Y16.7%
EPS Next 2Y14.82%
EPS Next 3Y14.74%
EPS Next 5Y13.41%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y17.95%
Revenue growth 5Y8.79%
Sales Q2Q%10.76%
Revenue Next Year9.39%
Revenue Next 2Y9.18%
Revenue Next 3Y9.05%
Revenue Next 5Y7.5%
EBIT growth 1Y10.4%
EBIT growth 3Y7.6%
EBIT growth 5Y8.16%
EBIT Next Year45.1%
EBIT Next 3Y10%
EBIT Next 5YN/A
FCF growth 1Y1.99%
FCF growth 3Y-2.5%
FCF growth 5Y0.25%
OCF growth 1Y4.53%
OCF growth 3Y-1.37%
OCF growth 5Y0.61%

AMERICAN EXPRESS CO / 1AXP.MI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for AMERICAN EXPRESS CO?

ChartMill assigns a fundamental rating of 5 / 10 to 1AXP.MI.


Can you provide the valuation status for AMERICAN EXPRESS CO?

ChartMill assigns a valuation rating of 2 / 10 to AMERICAN EXPRESS CO (1AXP.MI). This can be considered as Overvalued.


How profitable is AMERICAN EXPRESS CO (1AXP.MI) stock?

AMERICAN EXPRESS CO (1AXP.MI) has a profitability rating of 7 / 10.


What is the expected EPS growth for AMERICAN EXPRESS CO (1AXP.MI) stock?

The Earnings per Share (EPS) of AMERICAN EXPRESS CO (1AXP.MI) is expected to grow by 16.7% in the next year.


Can you provide the dividend sustainability for 1AXP stock?

The dividend rating of AMERICAN EXPRESS CO (1AXP.MI) is 5 / 10 and the dividend payout ratio is 21.11%.