AMERICAN EXPRESS CO (AEC1.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:AEC1 - US0258161092 - Common Stock
324.65 EUR
-0.3 (-0.09%)
Taking everything into account, AEC1 scores 4 out of 10 in our fundamental rating. AEC1 was compared to 10 industry peers in the Consumer Finance industry. AEC1 scores excellent on profitability, but there are concerns on its financial health. AEC1 is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year AEC1 was profitable.
AEC1 had a positive operating cash flow in the past year.
In the past 5 years AEC1 has always been profitable.
In the past 5 years AEC1 always reported a positive cash flow from operatings.
1.2 Ratios
AEC1's Return On Assets of 3.50% is fine compared to the rest of the industry. AEC1 outperforms 80.00% of its industry peers.
Looking at the Return On Equity, with a value of 32.12%, AEC1 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%, AEC1 is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for AEC1 is in line with the industry average of 4.39%.
The last Return On Invested Capital (3.77%) for AEC1 is above the 3 year average (3.64%), which is a sign of increasing profitability.
| Industry Rank | Sector 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%
1.3 Margins
AEC1 has a better Profit Margin (13.72%) than 70.00% of its industry peers.
In the last couple of years the Profit Margin of AEC1 has remained more or less at the same level.
Looking at the Operating Margin, with a value of 17.76%, AEC1 is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
In the last couple of years the Operating Margin of AEC1 has remained more or less at the same level.
The Gross Margin of AEC1 (61.93%) is comparable to the rest of the industry.
AEC1's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector 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%
2. Health
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.
AEC1 has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, AEC1 has a worse debt to assets ratio.
2.2 Solvency
AEC1 has an Altman-Z score of 0.90. This is a bad value and indicates that AEC1 is not financially healthy and even has some risk of bankruptcy.
AEC1 has a better Altman-Z score (0.90) than 80.00% of its industry peers.
AEC1 has a debt to FCF ratio of 11.04. This is a negative value and a sign of low solvency as AEC1 would need 11.04 years to pay back of all of its debts.
AEC1 has a Debt to FCF ratio of 11.04. This is comparable to the rest of the industry: AEC1 outperforms 50.00% of its industry peers.
A Debt/Equity ratio of 6.45 is on the high side and indicates that AEC1 has dependencies on debt financing.
With a Debt to Equity ratio value of 6.45, AEC1 is not doing good in the industry: 90.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.45 | ||
| Debt/FCF | 11.04 | ||
| Altman-Z | 0.9 |
ROIC/WACC0.43
WACC8.87%
2.3 Liquidity
A Current Ratio of 0.68 indicates that AEC1 may have some problems paying its short term obligations.
With a Current ratio value of 0.68, AEC1 is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
A Quick Ratio of 0.68 indicates that AEC1 may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.68, AEC1 is doing worse than 60.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.68 | ||
| Quick Ratio | 0.68 |
3. Growth
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.
The Revenue has been growing slightly by 4.37% in the past year.
AEC1 shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.79% yearly.
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 10.40% on average over the next years. This is quite good.
AEC1 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.38% yearly.
EPS Next Y17.08%
EPS Next 2Y14.97%
EPS Next 3Y14.7%
EPS Next 5Y10.4%
Revenue Next Year9.33%
Revenue Next 2Y9.09%
Revenue Next 3Y8.86%
Revenue Next 5Y7.38%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 25.60, AEC1 can be considered very expensive at the moment.
AEC1's Price/Earnings is on the same level as the industry average.
AEC1 is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.43, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 21.62, which indicates a rather expensive current valuation of AEC1.
Based on the Price/Forward Earnings ratio, AEC1 is valued a bit more expensive than the industry average as 70.00% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of AEC1 to the average of the S&P500 Index (23.66), we can say AEC1 is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.6 | ||
| Fwd PE | 21.62 |
4.2 Price Multiples
70.00% of the companies in the same industry are more expensive than AEC1, based on the Enterprise Value to EBITDA ratio.
AEC1's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. AEC1 is more expensive than 60.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.88 | ||
| EV/EBITDA | 17.65 |
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.
A more expensive valuation may be justified as AEC1's earnings are expected to grow with 14.70% in the coming years.
PEG (NY)1.5
PEG (5Y)2.49
EPS Next 2Y14.97%
EPS Next 3Y14.7%
5. Dividend
5.1 Amount
AEC1 has a yearly dividend return of 0.85%, which is pretty low.
Compared to an average industry Dividend Yield of 1.80, AEC1 pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, AEC1's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.85% |
5.2 History
On average, the dividend of AEC1 grows each year by 10.33%, which is quite nice.
Dividend Growth(5Y)10.33%
Div Incr Years3
Div Non Decr Years6
5.3 Sustainability
AEC1 pays out 21.11% of its income as dividend. This is a sustainable payout ratio.
The dividend of AEC1 is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP21.11%
EPS Next 2Y14.97%
EPS Next 3Y14.7%
FRA:AEC1 (12/16/2025, 7:00:00 PM)
324.65
-0.3 (-0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners65.15%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap223.64B
Revenue(TTM)75.91B
Net Income(TTM)10.41B
Analysts68.89
Price Target306.92 (-5.46%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.85% |
Yearly Dividend2.39
Dividend Growth(5Y)10.33%
DP21.11%
Div Incr Years3
Div Non Decr Years6
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)0.55%
PT rev (3m)11.55%
EPS NQ rev (1m)-0.05%
EPS NQ rev (3m)-0.94%
EPS NY rev (1m)0.16%
EPS NY rev (3m)1.07%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)0.93%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)0.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.6 | ||
| Fwd PE | 21.62 | ||
| P/S | 3.46 | ||
| P/FCF | 13.88 | ||
| P/OCF | 12.43 | ||
| P/B | 8.11 | ||
| P/tB | 8.11 | ||
| EV/EBITDA | 17.65 |
EPS(TTM)12.68
EY3.91%
EPS(NY)15.01
Fwd EY4.62%
FCF(TTM)23.4
FCFY7.21%
OCF(TTM)26.11
OCFY8.04%
SpS93.76
BVpS40.04
TBVpS40.04
PEG (NY)1.5
PEG (5Y)2.49
Graham Number106.88
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.9 |
F-Score6
WACC8.87%
ROIC/WACC0.43
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 Y17.08%
EPS Next 2Y14.97%
EPS Next 3Y14.7%
EPS Next 5Y10.4%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y17.95%
Revenue growth 5Y8.79%
Sales Q2Q%10.76%
Revenue Next Year9.33%
Revenue Next 2Y9.09%
Revenue Next 3Y8.86%
Revenue Next 5Y7.38%
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 / AEC1.DE FAQ
What is the fundamental rating for AEC1 stock?
ChartMill assigns a fundamental rating of 4 / 10 to AEC1.DE.
What is the valuation status for AEC1 stock?
ChartMill assigns a valuation rating of 2 / 10 to AMERICAN EXPRESS CO (AEC1.DE). This can be considered as Overvalued.
Can you provide the profitability details for AMERICAN EXPRESS CO?
AMERICAN EXPRESS CO (AEC1.DE) has a profitability rating of 7 / 10.
What are the PE and PB ratios of AMERICAN EXPRESS CO (AEC1.DE) stock?
The Price/Earnings (PE) ratio for AMERICAN EXPRESS CO (AEC1.DE) is 25.6 and the Price/Book (PB) ratio is 8.11.
How sustainable is the dividend of AMERICAN EXPRESS CO (AEC1.DE) stock?
The dividend rating of AMERICAN EXPRESS CO (AEC1.DE) is 4 / 10 and the dividend payout ratio is 21.11%.