American Express CDR (AXP.CA) Fundamental Analysis & Valuation

TSX:AXP

Current stock price

25.24 CAD
-0.04 (-0.16%)
Last:

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

7

1. AXP.CA Profitability Analysis

1.1 Basic Checks

  • In the past year AXP was profitable.
  • In the past year AXP had a positive cash flow from operations.
  • In the past 5 years AXP has always been profitable.
  • Each year in the past 5 years AXP had a positive operating cash flow.
AXP.CA Yearly Net Income VS EBIT VS OCF VS FCFAXP.CA 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

  • AXP has a Return On Assets of 3.57%. This is in the lower half of the industry: AXP underperforms 62.50% of its industry peers.
  • Looking at the Return On Equity, with a value of 31.97%, AXP belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • AXP has a Return On Invested Capital of 3.79%. This is in the better half of the industry: AXP outperforms 62.50% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for AXP is significantly below the industry average of 10.56%.
  • The last Return On Invested Capital (3.79%) for AXP 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%
AXP.CA Yearly ROA, ROE, ROICAXP.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • AXP's Profit Margin of 13.65% is amongst the best of the industry. AXP outperforms 87.50% of its industry peers.
  • AXP's Profit Margin has improved in the last couple of years.
  • The Operating Margin of AXP (17.56%) is better than 62.50% of its industry peers.
  • AXP's Operating Margin has improved in the last couple of years.
  • With a decent Gross Margin value of 60.91%, AXP is doing good in the industry, outperforming 75.00% of the companies in the same industry.
  • In the last couple of years the Gross Margin of AXP has declined.
Industry RankSector Rank
OM 17.56%
PM (TTM) 13.65%
GM 60.91%
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%
AXP.CA Yearly Profit, Operating, Gross MarginsAXP.CA 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. AXP.CA Health Analysis

2.1 Basic Checks

  • AXP has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, AXP has less shares outstanding
  • Compared to 5 years ago, AXP has less shares outstanding
  • AXP has about the same debt/assets ratio as last year.
AXP.CA Yearly Shares OutstandingAXP.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
AXP.CA Yearly Total Debt VS Total AssetsAXP.CA 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

  • Based on the Altman-Z score of 0.32, we must say that AXP is in the distress zone and has some risk of bankruptcy.
  • AXP has a Altman-Z score of 0.32. This is in the better half of the industry: AXP outperforms 62.50% of its industry peers.
  • The Debt to FCF ratio of AXP is 13.14, which is on the high side as it means it would take AXP, 13.14 years of fcf income to pay off all of its debts.
  • AXP has a Debt to FCF ratio of 13.14. This is in the better half of the industry: AXP outperforms 75.00% of its industry peers.
  • AXP 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, AXP is not doing good in the industry: 87.50% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 6.28
Debt/FCF 13.14
Altman-Z 0.32
ROIC/WACC0.91
WACC4.15%
AXP.CA Yearly LT Debt VS Equity VS FCFAXP.CA 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

  • AXP has a Current Ratio of 0.65. This is a bad value and indicates that AXP is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.65, AXP is doing worse than 87.50% of the companies in the same industry.
  • AXP has a Quick Ratio of 0.65. This is a bad value and indicates that AXP is not financially healthy enough and could expect problems in meeting its short term obligations.
  • AXP has a Quick ratio of 0.65. This is amonst the worse of the industry: AXP underperforms 87.50% of its industry peers.
Industry RankSector Rank
Current Ratio 0.65
Quick Ratio 0.65
AXP.CA Yearly Current Assets VS Current LiabilitesAXP.CA 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. AXP.CA Growth Analysis

3.1 Past

  • AXP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.28%, which is quite good.
  • The Earnings Per Share has been growing by 32.56% on average over the past years. This is a very strong growth
  • Looking at the last year, AXP shows a small growth in Revenue. The Revenue has grown by 6.60% in the last year.
  • AXP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.25% yearly.
EPS 1Y (TTM)15.28%
EPS 3Y16.08%
EPS 5Y32.56%
EPS Q2Q%16.12%
Revenue 1Y (TTM)6.6%
Revenue growth 3Y11.76%
Revenue growth 5Y15.25%
Sales Q2Q%2.17%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.95% on average over the next years. This is quite good.
  • AXP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.10% yearly.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
AXP.CA Yearly Revenue VS EstimatesAXP.CA 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
AXP.CA Yearly EPS VS EstimatesAXP.CA 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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9

4. AXP.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 1.20 indicates a rather cheap valuation of AXP.
  • Compared to the rest of the industry, the Price/Earnings ratio of AXP indicates a rather cheap valuation: AXP is cheaper than 100.00% of the companies listed in the same industry.
  • AXP is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 1.04 indicates a rather cheap valuation of AXP.
  • AXP's Price/Forward Earnings ratio is rather cheap when compared to the industry. AXP is cheaper than 100.00% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.28. AXP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.2
Fwd PE 1.04
AXP.CA Price Earnings VS Forward Price EarningsAXP.CA 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, AXP is valued cheaper than 87.50% of the companies in the same industry.
  • 100.00% of the companies in the same industry are more expensive than AXP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.79
EV/EBITDA 1.42
AXP.CA Per share dataAXP.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • AXP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of AXP may justify a higher PE ratio.
  • A more expensive valuation may be justified as AXP's earnings are expected to grow with 14.39% in the coming years.
PEG (NY)0.08
PEG (5Y)0.04
EPS Next 2Y14.88%
EPS Next 3Y14.39%

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

4

5. AXP.CA Dividend Analysis

5.1 Amount

  • AXP has a Yearly Dividend Yield of 1.26%. Purely for dividend investing, there may be better candidates out there.
  • AXP's Dividend Yield is a higher than the industry average which is at 2.84.
  • Compared to the average S&P500 Dividend Yield of 1.91, AXP is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.26%

5.2 History

  • On average, the dividend of AXP grows each year by 12.38%, which is quite nice.
  • AXP does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)12.38%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 21.22% of the earnings are spent on dividend by AXP. This is a low number and sustainable payout ratio.
  • The dividend of AXP is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP21.22%
EPS Next 2Y14.88%
EPS Next 3Y14.39%
AXP.CA Yearly Income VS Free CF VS DividendAXP.CA 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
AXP.CA Dividend Payout.AXP.CA Dividend Payout, showing the Payout Ratio.AXP.CA Dividend Payout.PayoutRetained Earnings

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AXP.CA Fundamentals: All Metrics, Ratios and Statistics

American Express CDR

TSX:AXP (3/20/2026, 7:00:00 PM)

25.24

-0.04 (-0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-30
Earnings (Next)04-24
Inst Owners64.73%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap17.33B
Revenue(TTM)78.41B
Net Income(TTM)10.70B
Analysts70.29
Price Target33.06 (30.98%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.26%
Yearly Dividend4.48
Dividend Growth(5Y)12.38%
DP21.22%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)2
Avg Revenue beat(4)1.81%
Min Revenue beat(4)-0.68%
Max Revenue beat(4)7.01%
Revenue beat(8)6
Avg Revenue beat(8)5.93%
Revenue beat(12)10
Avg Revenue beat(12)7.15%
Revenue beat(16)14
Avg Revenue beat(16)6.9%
PT rev (1m)0.83%
PT rev (3m)N/A
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.31%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 1.2
Fwd PE 1.04
P/S 0.16
P/FCF 0.79
P/OCF 0.69
P/B 0.38
P/tB 0.38
EV/EBITDA 1.42
EPS(TTM)21.12
EY83.68%
EPS(NY)24.36
Fwd EY96.51%
FCF(TTM)31.99
FCFY126.75%
OCF(TTM)36.84
OCFY145.96%
SpS156.76
BVpS66.92
TBVpS66.92
PEG (NY)0.08
PEG (5Y)0.04
Graham Number178.33
Profitability
Industry RankSector Rank
ROA 3.57%
ROE 31.97%
ROCE 10.47%
ROIC 3.79%
ROICexc 4.54%
ROICexgc 5.05%
OM 17.56%
PM (TTM) 13.65%
GM 60.91%
FCFM 20.41%
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 3.09%
Interest Coverage 1.72
Cash Conversion 118.53%
Profit Quality 149.55%
Current Ratio 0.65
Quick Ratio 0.65
Altman-Z 0.32
F-Score6
WACC4.15%
ROIC/WACC0.91
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)6.6%
Revenue growth 3Y11.76%
Revenue growth 5Y15.25%
Sales Q2Q%2.17%
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 CDR / AXP.CA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for American Express CDR?

ChartMill assigns a fundamental rating of 6 / 10 to AXP.CA.


Can you provide the valuation status for American Express CDR?

ChartMill assigns a valuation rating of 9 / 10 to American Express CDR (AXP.CA). This can be considered as Undervalued.


Can you provide the profitability details for American Express CDR?

American Express CDR (AXP.CA) has a profitability rating of 7 / 10.


What is the financial health of American Express CDR (AXP.CA) stock?

The financial health rating of American Express CDR (AXP.CA) is 3 / 10.


Is the dividend of American Express CDR sustainable?

The dividend rating of American Express CDR (AXP.CA) is 4 / 10 and the dividend payout ratio is 21.22%.