AMERICAN EXPRESS CO (1AXP.MI) Fundamental Analysis & Valuation
BIT:1AXP • US0258161092
Current stock price
269.6 EUR
-12.1 (-4.3%)
Last:
This 1AXP.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
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.
- 1AXP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- 1AXP has a Return On Assets of 3.57%. This is in the better half of the industry: 1AXP outperforms 75.00% of its industry peers.
- 1AXP has a better Return On Equity (31.97%) than 87.50% of its industry peers.
- The Return On Invested Capital of 1AXP (3.79%) is comparable to the rest of the industry.
- Measured over the past 3 years, the Average Return On Invested Capital for 1AXP is below the industry average of 5.99%.
- The last Return On Invested Capital (3.79%) for 1AXP is above the 3 year average (3.68%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.57% | ||
| ROE | 31.97% | ||
| ROIC | 3.79% |
ROA(3y)3.47%
ROA(5y)3.57%
ROE(3y)31.47%
ROE(5y)32.01%
ROIC(3y)3.68%
ROIC(5y)3.82%
1.3 Margins
- With a decent Profit Margin value of 13.78%, 1AXP is doing good in the industry, outperforming 62.50% of the companies in the same industry.
- In the last couple of years the Profit Margin of 1AXP has grown nicely.
- 1AXP's Operating Margin of 17.73% is fine compared to the rest of the industry. 1AXP outperforms 62.50% of its industry peers.
- In the last couple of years the Operating Margin of 1AXP has grown nicely.
- 1AXP's Gross Margin of 61.51% is fine compared to the rest of the industry. 1AXP outperforms 62.50% of its industry peers.
- In the last couple of years the Gross Margin of 1AXP has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.73% | ||
| PM (TTM) | 13.78% | ||
| GM | 61.51% |
OM growth 3Y-0.05%
OM growth 5Y9.58%
PM growth 3Y1.18%
PM growth 5Y11.63%
GM growth 3Y-1.59%
GM growth 5Y-2.62%
2. 1AXP.MI Health Analysis
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 1AXP is destroying value.
- Compared to 1 year ago, 1AXP has less shares outstanding
- 1AXP has less shares outstanding than it did 5 years ago.
- 1AXP has about the same debt/assets ratio as last year.
2.2 Solvency
- 1AXP has an Altman-Z score of 0.78. This is a bad value and indicates that 1AXP is not financially healthy and even has some risk of bankruptcy.
- 1AXP's Altman-Z score of 0.78 is amongst the best of the industry. 1AXP outperforms 87.50% of its industry peers.
- 1AXP has a debt to FCF ratio of 13.14. This is a negative value and a sign of low solvency as 1AXP would need 13.14 years to pay back of all of its debts.
- 1AXP has a better Debt to FCF ratio (13.14) than 62.50% of its industry peers.
- 1AXP has a Debt/Equity ratio of 6.28. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 6.28, 1AXP is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.28 | ||
| Debt/FCF | 13.14 | ||
| Altman-Z | 0.78 |
ROIC/WACC0.55
WACC6.89%
2.3 Liquidity
- 1AXP has a Current Ratio of 0.65. This is a bad value and indicates that 1AXP is not financially healthy enough and could expect problems in meeting its short term obligations.
- 1AXP's Current ratio of 0.65 is in line compared to the rest of the industry. 1AXP outperforms 50.00% of its industry peers.
- A Quick Ratio of 0.65 indicates that 1AXP may have some problems paying its short term obligations.
- 1AXP's Quick ratio of 0.65 is in line compared to the rest of the industry. 1AXP outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.65 | ||
| Quick Ratio | 0.65 |
3. 1AXP.MI Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an nice 15.28% over the past year.
- Measured over the past years, 1AXP shows a very strong growth in Earnings Per Share. The EPS has been growing by 32.56% on average per year.
- The Revenue has been growing slightly by 5.57% in the past year.
- The Revenue has been growing by 15.25% on average over the past years. This is quite good.
EPS 1Y (TTM)15.28%
EPS 3Y16.08%
EPS 5Y32.56%
EPS Q2Q%16.12%
Revenue 1Y (TTM)5.57%
Revenue growth 3Y11.76%
Revenue growth 5Y15.25%
Sales Q2Q%10.48%
3.2 Future
- 1AXP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.95% yearly.
- The Revenue is expected to grow by 8.10% on average over the next years. This is quite good.
EPS Next Y15.31%
EPS Next 2Y14.87%
EPS Next 3Y14.46%
EPS Next 5Y12.95%
Revenue Next Year10.13%
Revenue Next 2Y9.46%
Revenue Next 3Y8.86%
Revenue Next 5Y8.1%
3.3 Evolution
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. 1AXP.MI Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 20.46 indicates a rather expensive valuation of 1AXP.
- 1AXP's Price/Earnings ratio is a bit cheaper when compared to the industry. 1AXP is cheaper than 62.50% of the companies in the same industry.
- 1AXP's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.54.
- A Price/Forward Earnings ratio of 17.74 indicates a rather expensive valuation of 1AXP.
- 62.50% of the companies in the same industry are cheaper than 1AXP, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of 1AXP to the average of the S&P500 Index (21.68), we can say 1AXP is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.46 | ||
| Fwd PE | 17.74 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as 1AXP.
- The rest of the industry has a similar Price/Free Cash Flow ratio as 1AXP.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.49 | ||
| EV/EBITDA | 14.5 |
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 14.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.34
PEG (5Y)0.63
EPS Next 2Y14.87%
EPS Next 3Y14.46%
5. 1AXP.MI Dividend Analysis
5.1 Amount
- 1AXP has a Yearly Dividend Yield of 1.17%. Purely for dividend investing, there may be better candidates out there.
- 1AXP's Dividend Yield is a higher than the industry average which is at 2.35.
- 1AXP's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.17% |
5.2 History
- On average, the dividend of 1AXP grows each year by 12.38%, which is quite nice.
Dividend Growth(5Y)12.38%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 21.22% of the earnings are spent on dividend by 1AXP. This is a low number and sustainable payout ratio.
- The dividend of 1AXP is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP21.22%
EPS Next 2Y14.87%
EPS Next 3Y14.46%
1AXP.MI Fundamentals: All Metrics, Ratios and Statistics
BIT:1AXP (4/27/2026, 7:00:00 PM)
269.6
-12.1 (-4.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry Strength59.01
Industry Growth96.89
Earnings (Last)01-30 2026-01-30/bmo
Earnings (Next)04-23 2026-04-23/bmo
Inst Owners64.99%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap184.89B
Revenue(TTM)77.65B
Net Income(TTM)10.70B
Analysts70.86
Price Target312.94 (16.08%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.17% |
Yearly Dividend2.77
Dividend Growth(5Y)12.38%
DP21.22%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.67%
Min EPS beat(2)-1.23%
Max EPS beat(2)2.58%
EPS beat(4)3
Avg EPS beat(4)2.32%
Min EPS beat(4)-1.23%
Max EPS beat(4)4.09%
EPS beat(8)6
Avg EPS beat(8)3.96%
EPS beat(12)8
Avg EPS beat(12)2.71%
EPS beat(16)11
Avg EPS beat(16)2.65%
Revenue beat(2)1
Avg Revenue beat(2)0.2%
Min Revenue beat(2)-0.68%
Max Revenue beat(2)1.09%
Revenue beat(4)1
Avg Revenue beat(4)-0.14%
Min Revenue beat(4)-0.81%
Max Revenue beat(4)1.09%
Revenue beat(8)1
Avg Revenue beat(8)-0.76%
Revenue beat(12)2
Avg Revenue beat(12)-0.17%
Revenue beat(16)6
Avg Revenue beat(16)1.41%
PT rev (1m)-3.18%
PT rev (3m)-3.18%
EPS NQ rev (1m)0.88%
EPS NQ rev (3m)0.88%
EPS NY rev (1m)0.82%
EPS NY rev (3m)0.46%
Revenue NQ rev (1m)0.97%
Revenue NQ rev (3m)0.97%
Revenue NY rev (1m)1.06%
Revenue NY rev (3m)1.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.46 | ||
| Fwd PE | 17.74 | ||
| P/S | 2.78 | ||
| P/FCF | 13.49 | ||
| P/OCF | 11.72 | ||
| P/B | 6.45 | ||
| P/tB | 6.45 | ||
| EV/EBITDA | 14.5 |
EPS(TTM)13.18
EY4.89%
EPS(NY)15.19
Fwd EY5.64%
FCF(TTM)19.98
FCFY7.41%
OCF(TTM)23.01
OCFY8.53%
SpS96.95
BVpS41.79
TBVpS41.79
PEG (NY)1.34
PEG (5Y)0.63
Graham Number111.324 (-58.71%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.57% | ||
| ROE | 31.97% | ||
| ROCE | 10.47% | ||
| ROIC | 3.79% | ||
| ROICexc | 4.54% | ||
| ROICexgc | 5.05% | ||
| OM | 17.73% | ||
| PM (TTM) | 13.78% | ||
| GM | 61.51% | ||
| FCFM | 20.61% |
ROA(3y)3.47%
ROA(5y)3.57%
ROE(3y)31.47%
ROE(5y)32.01%
ROIC(3y)3.68%
ROIC(5y)3.82%
ROICexc(3y)4.43%
ROICexc(5y)4.52%
ROICexgc(3y)4.73%
ROICexgc(5y)4.86%
ROCE(3y)10.22%
ROCE(5y)10.27%
ROICexgc growth 3Y2.16%
ROICexgc growth 5Y14.46%
ROICexc growth 3Y2.41%
ROICexc growth 5Y15.17%
OM growth 3Y-0.05%
OM growth 5Y9.58%
PM growth 3Y1.18%
PM growth 5Y11.63%
GM growth 3Y-1.59%
GM growth 5Y-2.62%
F-Score6
Asset Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.28 | ||
| Debt/FCF | 13.14 | ||
| Debt/EBITDA | 13.52 | ||
| Cap/Depr | 136.47% | ||
| Cap/Sales | 3.12% | ||
| Interest Coverage | 1.72 | ||
| Cash Conversion | 118.53% | ||
| Profit Quality | 149.55% | ||
| Current Ratio | 0.65 | ||
| Quick Ratio | 0.65 | ||
| Altman-Z | 0.78 |
F-Score6
WACC6.89%
ROIC/WACC0.55
Cap/Depr(3y)115.05%
Cap/Depr(5y)110.14%
Cap/Sales(3y)2.7%
Cap/Sales(5y)3%
Profit Quality(3y)158.99%
Profit Quality(5y)180.43%
High Growth Momentum
Growth
EPS 1Y (TTM)15.28%
EPS 3Y16.08%
EPS 5Y32.56%
EPS Q2Q%16.12%
EPS Next Y15.31%
EPS Next 2Y14.87%
EPS Next 3Y14.46%
EPS Next 5Y12.95%
Revenue 1Y (TTM)5.57%
Revenue growth 3Y11.76%
Revenue growth 5Y15.25%
Sales Q2Q%10.48%
Revenue Next Year10.13%
Revenue Next 2Y9.46%
Revenue Next 3Y8.86%
Revenue Next 5Y8.1%
EBIT growth 1Y11.18%
EBIT growth 3Y11.71%
EBIT growth 5Y26.29%
EBIT Next Year-4.41%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y31.83%
FCF growth 3Y-5.93%
FCF growth 5Y31.22%
OCF growth 1Y31.16%
OCF growth 3Y-4.38%
OCF growth 5Y26.94%
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 4 / 10 to AMERICAN EXPRESS CO (1AXP.MI). This can be considered as Fairly Valued.
What is the profitability of 1AXP stock?
AMERICAN EXPRESS CO (1AXP.MI) has a profitability rating of 7 / 10.
How financially healthy is AMERICAN EXPRESS CO?
The financial health rating of AMERICAN EXPRESS CO (1AXP.MI) is 3 / 10.
Is the dividend of AMERICAN EXPRESS CO sustainable?
The dividend rating of AMERICAN EXPRESS CO (1AXP.MI) is 5 / 10 and the dividend payout ratio is 21.22%.