AMERICAN EXPRESS CO (1AXP.MI) Stock Fundamental Analysis

BIT:1AXP • US0258161092

314.75 EUR
+7.65 (+2.49%)
Last: Jan 16, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to 1AXP. 1AXP was compared to 8 industry peers in the Consumer Finance industry. While 1AXP belongs to the best of the industry regarding profitability, there are concerns on its financial health. While showing a medium growth rate, 1AXP is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • 1AXP had positive earnings in the past year.
  • 1AXP had a positive operating cash flow in the past year.
  • 1AXP had positive earnings in each of the past 5 years.
  • 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

  • The Return On Assets of 1AXP (3.50%) is better than 80.00% of its industry peers.
  • With an excellent Return On Equity value of 32.12%, 1AXP belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
  • With a decent Return On Invested Capital value of 3.77%, 1AXP is doing good in the industry, outperforming 70.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for 1AXP is in line with the industry average of 4.91%.
  • The 3 year average ROIC (3.64%) for 1AXP is below the current ROIC(3.77%), indicating increased profibility in the last year.
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.
  • The Gross Margin of 1AXP (61.93%) is comparable to the rest of the industry.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 1AXP is destroying value.
  • Compared to 1 year ago, 1AXP has less shares outstanding
  • The number of shares outstanding for 1AXP has been reduced compared to 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.
  • The Debt to FCF ratio of 1AXP is 11.04, which is on the high side as it means it would take 1AXP, 11.04 years of fcf income to pay off 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 Debt to Equity ratio of 6.45. This is amonst the worse of the industry: 1AXP underperforms 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

  • 1AXP has a Current Ratio of 0.68. 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 0.68 is on the low side compared to the rest of the industry. 1AXP is outperformed by 60.00% of its industry peers.
  • 1AXP has a Quick Ratio of 0.68. This is a bad value and indicates that 1AXP is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of 1AXP (0.68) is worse than 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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 15.24% over the past year.
  • 1AXP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.27% yearly.
  • Looking at the last year, 1AXP shows a small growth in Revenue. The Revenue has grown by 4.37% in the last year.
  • 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

  • Based on estimates for the next years, 1AXP will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.41% on average per year.
  • The Revenue is expected to grow by 7.50% on average over the next years.
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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 24.80, the valuation of 1AXP can be described as rather expensive.
  • 1AXP's Price/Earnings ratio is in line with the industry average.
  • 1AXP is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.07, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 21.00, 1AXP is valued on the expensive side.
  • 70.00% 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 (28.05), we can say 1AXP is valued slightly cheaper.
Industry RankSector Rank
PE 24.8
Fwd PE 21
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

  • 1AXP's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1AXP is cheaper than 70.00% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, 1AXP is valued a bit more expensive than 60.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.44
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

  • The 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.
  • A more expensive valuation may be justified as 1AXP's earnings are expected to grow with 14.74% in the coming years.
PEG (NY)1.48
PEG (5Y)2.42
EPS Next 2Y14.82%
EPS Next 3Y14.74%

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

5

5. Dividend

5.1 Amount

  • 1AXP has a yearly dividend return of 0.89%, which is pretty low.
  • Compared to an average industry Dividend Yield of 1.85, 1AXP pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, 1AXP's dividend is way lower than the S&P500 average.
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

  • 21.11% of the earnings are spent on dividend by 1AXP. This is a low number and 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

More info and screens

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AMERICAN EXPRESS CO

BIT:1AXP (1/16/2026, 7:00:00 PM)

314.75

+7.65 (+2.49%)

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 Cap216.82B
Revenue(TTM)75.91B
Net Income(TTM)10.41B
Analysts68.89
Price Target323.21 (2.69%)
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 24.8
Fwd PE 21
P/S 3.35
P/FCF 13.44
P/OCF 12.04
P/B 7.85
P/tB 7.85
EV/EBITDA 17.09
EPS(TTM)12.69
EY4.03%
EPS(NY)14.99
Fwd EY4.76%
FCF(TTM)23.42
FCFY7.44%
OCF(TTM)26.13
OCFY8.3%
SpS93.85
BVpS40.08
TBVpS40.08
PEG (NY)1.48
PEG (5Y)2.42
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 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%.