AMERICAN EXPRESS CO (AEC1.DE) Fundamental Analysis & Valuation

FRA:AEC1 • US0258161092

Current stock price

255.95 EUR
-1.5 (-0.58%)
Last:

This AEC1.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. AEC1.DE Profitability Analysis

1.1 Basic Checks

  • AEC1 had positive earnings in the past year.
  • AEC1 had a positive operating cash flow in the past year.
  • AEC1 had positive earnings in each of the past 5 years.
  • AEC1 had a positive operating cash flow in each of the past 5 years.
AEC1.DE Yearly Net Income VS EBIT VS OCF VS FCFAEC1.DE 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 2025 5B 10B 15B 20B

1.2 Ratios

  • With an excellent Return On Assets value of 3.57%, AEC1 belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
  • The Return On Equity of AEC1 (31.97%) is better than 88.89% of its industry peers.
  • The Return On Invested Capital of AEC1 (3.79%) is better than 66.67% of its industry peers.
  • AEC1 had an Average Return On Invested Capital over the past 3 years of 3.68%. This is below the industry average of 6.01%.
  • The last Return On Invested Capital (3.79%) for AEC1 is above the 3 year average (3.68%), which is a sign of increasing profitability.
Industry RankSector 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%
AEC1.DE Yearly ROA, ROE, ROICAEC1.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • Looking at the Profit Margin, with a value of 13.78%, AEC1 is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • In the last couple of years the Profit Margin of AEC1 has grown nicely.
  • AEC1 has a Operating Margin of 17.73%. This is in the better half of the industry: AEC1 outperforms 66.67% of its industry peers.
  • In the last couple of years the Operating Margin of AEC1 has grown nicely.
  • With a Gross Margin value of 61.51%, AEC1 perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
  • In the last couple of years the Gross Margin of AEC1 has declined.
Industry RankSector 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%
AEC1.DE Yearly Profit, Operating, Gross MarginsAEC1.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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3

2. AEC1.DE Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AEC1 is destroying value.
  • The number of shares outstanding for AEC1 has been reduced compared to 1 year ago.
  • The number of shares outstanding for AEC1 has been reduced compared to 5 years ago.
  • Compared to 1 year ago, AEC1 has about the same debt to assets ratio.
AEC1.DE Yearly Shares OutstandingAEC1.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
AEC1.DE Yearly Total Debt VS Total AssetsAEC1.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B

2.2 Solvency

  • AEC1 has an Altman-Z score of 0.75. This is a bad value and indicates that AEC1 is not financially healthy and even has some risk of bankruptcy.
  • AEC1 has a Altman-Z score of 0.75. This is in the better half of the industry: AEC1 outperforms 77.78% of its industry peers.
  • The Debt to FCF ratio of AEC1 is 13.14, which is on the high side as it means it would take AEC1, 13.14 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 13.14, AEC1 perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
  • AEC1 has a Debt/Equity ratio of 6.28. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 6.28, AEC1 is doing worse than 77.78% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 6.28
Debt/FCF 13.14
Altman-Z 0.75
ROIC/WACC0.57
WACC6.6%
AEC1.DE Yearly LT Debt VS Equity VS FCFAEC1.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

2.3 Liquidity

  • A Current Ratio of 0.65 indicates that AEC1 may have some problems paying its short term obligations.
  • AEC1 has a Current ratio (0.65) which is comparable to the rest of the industry.
  • A Quick Ratio of 0.65 indicates that AEC1 may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.65, AEC1 perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.65
Quick Ratio 0.65
AEC1.DE Yearly Current Assets VS Current LiabilitesAEC1.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

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6

3. AEC1.DE Growth Analysis

3.1 Past

  • AEC1 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.28%, which is quite good.
  • AEC1 shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 32.56% yearly.
  • AEC1 shows a small growth in Revenue. In the last year, the Revenue has grown by 5.57%.
  • Measured over the past years, AEC1 shows a quite strong growth in Revenue. The Revenue has been growing by 15.25% on average per year.
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

  • Based on estimates for the next years, AEC1 will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.95% on average per year.
  • Based on estimates for the next years, AEC1 will show a quite strong growth in Revenue. The Revenue will grow by 8.10% on average per year.
EPS Next Y15.31%
EPS Next 2Y14.88%
EPS Next 3Y14.39%
EPS Next 5Y12.95%
Revenue Next Year9.61%
Revenue Next 2Y9.21%
Revenue Next 3Y8.8%
Revenue Next 5Y8.1%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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 decreasing.
AEC1.DE Yearly Revenue VS EstimatesAEC1.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B 80B 100B
AEC1.DE Yearly EPS VS EstimatesAEC1.DE 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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4

4. AEC1.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 19.16 indicates a rather expensive valuation of AEC1.
  • Based on the Price/Earnings ratio, AEC1 is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of AEC1 to the average of the S&P500 Index (24.89), we can say AEC1 is valued slightly cheaper.
  • AEC1 is valuated correctly with a Price/Forward Earnings ratio of 16.61.
  • AEC1's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, AEC1 is valued a bit cheaper.
Industry RankSector Rank
PE 19.16
Fwd PE 16.61
AEC1.DE Price Earnings VS Forward Price EarningsAEC1.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, AEC1 is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, AEC1 is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 12.65
EV/EBITDA 13.63
AEC1.DE Per share dataAEC1.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • AEC1's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The decent profitability rating of AEC1 may justify a higher PE ratio.
  • AEC1's earnings are expected to grow with 14.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.25
PEG (5Y)0.59
EPS Next 2Y14.88%
EPS Next 3Y14.39%

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5

5. AEC1.DE Dividend Analysis

5.1 Amount

  • AEC1 has a Yearly Dividend Yield of 1.27%. Purely for dividend investing, there may be better candidates out there.
  • The stock price of AEC1 dropped by -20.92% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • AEC1's Dividend Yield is a higher than the industry average which is at 2.39.
  • Compared to the average S&P500 Dividend Yield of 1.89, AEC1 is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.27%

5.2 History

  • On average, the dividend of AEC1 grows each year by 12.38%, which is quite nice.
Dividend Growth(5Y)12.38%
Div Incr Years3
Div Non Decr Years6
AEC1.DE Yearly Dividends per shareAEC1.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • AEC1 pays out 21.22% of its income as dividend. This is a sustainable payout ratio.
  • AEC1's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP21.22%
EPS Next 2Y14.88%
EPS Next 3Y14.39%
AEC1.DE Yearly Income VS Free CF VS DividendAEC1.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B
AEC1.DE Dividend Payout.AEC1.DE Dividend Payout, showing the Payout Ratio.AEC1.DE Dividend Payout.PayoutRetained Earnings

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AEC1.DE Fundamentals: All Metrics, Ratios and Statistics

AMERICAN EXPRESS CO

FRA:AEC1 (3/27/2026, 7:00:00 PM)

255.95

-1.5 (-0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-30
Earnings (Next)04-23
Inst Owners64.73%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap175.74B
Revenue(TTM)77.65B
Net Income(TTM)10.70B
Analysts70.29
Price Target328.04 (28.17%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.27%
Yearly Dividend2.84
Dividend Growth(5Y)12.38%
DP21.22%
Div Incr Years3
Div Non Decr Years6
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)0%
PT rev (3m)4.68%
EPS NQ rev (1m)-0.06%
EPS NQ rev (3m)-0.28%
EPS NY rev (1m)0.31%
EPS NY rev (3m)0.47%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)0.27%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)0.68%
Valuation
Industry RankSector Rank
PE 19.16
Fwd PE 16.61
P/S 2.61
P/FCF 12.65
P/OCF 10.98
P/B 6.05
P/tB 6.05
EV/EBITDA 13.63
EPS(TTM)13.36
EY5.22%
EPS(NY)15.41
Fwd EY6.02%
FCF(TTM)20.24
FCFY7.91%
OCF(TTM)23.3
OCFY9.1%
SpS98.2
BVpS42.33
TBVpS42.33
PEG (NY)1.25
PEG (5Y)0.59
Graham Number112.8
Profitability
Industry RankSector 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 RankSector 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 0.75
F-Score6
WACC6.6%
ROIC/WACC0.57
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 2Y14.88%
EPS Next 3Y14.39%
EPS Next 5Y12.95%
Revenue 1Y (TTM)5.57%
Revenue growth 3Y11.76%
Revenue growth 5Y15.25%
Sales Q2Q%10.48%
Revenue Next Year9.61%
Revenue Next 2Y9.21%
Revenue Next 3Y8.8%
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 / AEC1.DE Fundamental Analysis FAQ

What is the fundamental rating for AEC1 stock?

ChartMill assigns a fundamental rating of 5 / 10 to AEC1.DE.


Can you provide the valuation status for AMERICAN EXPRESS CO?

ChartMill assigns a valuation rating of 4 / 10 to AMERICAN EXPRESS CO (AEC1.DE). This can be considered as Fairly Valued.


Can you provide the profitability details for AMERICAN EXPRESS CO?

AMERICAN EXPRESS CO (AEC1.DE) has a profitability rating of 7 / 10.


What is the financial health of AMERICAN EXPRESS CO (AEC1.DE) stock?

The financial health rating of AMERICAN EXPRESS CO (AEC1.DE) is 3 / 10.


How sustainable is the dividend of AMERICAN EXPRESS CO (AEC1.DE) stock?

The dividend rating of AMERICAN EXPRESS CO (AEC1.DE) is 5 / 10 and the dividend payout ratio is 21.22%.