American Express CDR (AXP.CA) Stock Fundamental Analysis

TSX:AXP

29.66 CAD
+0.26 (+0.88%)
Last: Feb 18, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall AXP gets a fundamental rating of 5 out of 10. We evaluated AXP against 8 industry peers in the Consumer Finance industry. AXP has a medium profitability rating, but doesn't score so well on its financial health evaluation. A decent growth rate in combination with a cheap valuation! Better keep an eye on AXP.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • AXP had positive earnings in the past year.
  • AXP had a positive operating cash flow in the past year.
  • Each year in the past 5 years AXP has been profitable.
  • Of the past 5 years AXP 4 years 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

  • With a Return On Assets value of 3.50%, AXP is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
  • AXP's Return On Equity of 32.12% is amongst the best of the industry. AXP outperforms 100.00% of its industry peers.
  • AXP has a better Return On Invested Capital (3.74%) than 62.50% of its industry peers.
Industry RankSector Rank
ROA 3.5%
ROE 32.12%
ROIC 3.74%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
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

  • Looking at the Profit Margin, with a value of 13.58%, AXP belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
  • AXP's Profit Margin has improved in the last couple of years.
  • AXP has a better Operating Margin (17.59%) than 62.50% of its industry peers.
  • In the last couple of years the Operating Margin of AXP has grown nicely.
  • AXP has a Gross Margin of 61.32%. This is in the better half of the industry: AXP outperforms 75.00% of its industry peers.
  • In the last couple of years the Gross Margin of AXP has declined.
Industry RankSector Rank
OM 17.59%
PM (TTM) 13.58%
GM 61.32%
OM growth 3Y0.01%
OM growth 5Y9.62%
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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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), AXP is destroying value.
  • There is no outstanding debt for AXP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
AXP.CA Yearly Shares OutstandingAXP.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 50B 100B 150B 200B 250B

2.2 Solvency

  • AXP has an Altman-Z score of 0.34. This is a bad value and indicates that AXP is not financially healthy and even has some risk of bankruptcy.
  • AXP has a better Altman-Z score (0.34) than 62.50% of its industry peers.
  • The Debt to FCF ratio of AXP is 11.04, which is on the high side as it means it would take AXP, 11.04 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of AXP (11.04) is better than 75.00% of its industry peers.
  • A Debt/Equity ratio of 6.45 is on the high side and indicates that AXP has dependencies on debt financing.
  • AXP has a worse Debt to Equity ratio (6.45) than 87.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.45
Debt/FCF 11.04
Altman-Z 0.34
ROIC/WACC0.79
WACC4.73%
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 10B 20B 30B 40B 50B

2.3 Liquidity

  • AXP has a Current Ratio of 0.68. 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 worse Current ratio (0.68) than 87.50% of its industry peers.
  • AXP has a Quick Ratio of 0.68. 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 worse Quick ratio (0.68) than 87.50% of its industry peers.
Industry RankSector Rank
Current Ratio 0.68
Quick Ratio 0.68
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 50B 100B 150B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

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.
  • AXP shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 32.56% yearly.
  • The Revenue has been growing slightly by 6.60% in the past 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.
  • The Revenue is expected to grow by 7.40% on average over the next years.
EPS Next Y14.96%
EPS Next 2Y14.64%
EPS Next 3Y14.06%
EPS Next 5Y12.95%
Revenue Next Year9.32%
Revenue Next 2Y9.08%
Revenue Next 3Y8.66%
Revenue Next 5Y7.4%

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.
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 20B 40B 60B 80B
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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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 1.41 indicates a rather cheap valuation of AXP.
  • Based on the Price/Earnings ratio, AXP is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
  • AXP is valuated cheaply when we compare the Price/Earnings ratio to 27.27, which is the current average of the S&P500 Index.
  • AXP is valuated cheaply with a Price/Forward Earnings ratio of 1.23.
  • 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 28.16. AXP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.41
Fwd PE 1.23
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

  • AXP's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. AXP is cheaper than 100.00% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, AXP is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.79
EV/EBITDA 1.35
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.
  • AXP's earnings are expected to grow with 14.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.09
PEG (5Y)0.04
EPS Next 2Y14.64%
EPS Next 3Y14.06%

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

4

5. Dividend

5.1 Amount

  • AXP has a yearly dividend return of 0.96%, which is pretty low.
  • Compared to an average industry Dividend Yield of 1.17, AXP pays a bit more dividend than its industry peers.
  • With a Dividend Yield of 0.96, AXP pays less dividend than the S&P500 average, which is at 1.85.
Industry RankSector Rank
Dividend Yield 0.96%

5.2 History

  • On average, the dividend of AXP grows each year by 10.33%, which is quite nice.
  • AXP is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)10.33%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 21.11% of the earnings are spent on dividend by AXP. This is a low number and sustainable payout ratio.
  • The dividend of AXP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP21.11%
EPS Next 2Y14.64%
EPS Next 3Y14.06%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

American Express CDR

TSX:AXP (2/18/2026, 7:00:00 PM)

29.66

+0.26 (+0.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-30
Earnings (Next)04-24
Inst Owners65.15%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap20.36B
Revenue(TTM)78.41B
Net Income(TTM)10.41B
Analysts70
Price Target32.78 (10.52%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.96%
Yearly Dividend3.82
Dividend Growth(5Y)10.33%
DP21.11%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)3
Avg Revenue beat(4)3.78%
Min Revenue beat(4)-0.18%
Max Revenue beat(4)7.18%
Revenue beat(8)7
Avg Revenue beat(8)7.24%
Revenue beat(12)11
Avg Revenue beat(12)7.8%
Revenue beat(16)15
Avg Revenue beat(16)7.39%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)0.02%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.16%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.34%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 1.41
Fwd PE 1.23
P/S 0.19
P/FCF 0.79
P/OCF 0.71
P/B 0.46
P/tB 0.46
EV/EBITDA 1.35
EPS(TTM)21
EY70.8%
EPS(NY)24.14
Fwd EY81.4%
FCF(TTM)37.64
FCFY126.92%
OCF(TTM)42.01
OCFY141.65%
SpS152.37
BVpS64.43
TBVpS64.43
PEG (NY)0.09
PEG (5Y)0.04
Graham Number174.48
Profitability
Industry RankSector Rank
ROA 3.5%
ROE 32.12%
ROCE 10.25%
ROIC 3.74%
ROICexc 4.59%
ROICexgc 5.1%
OM 17.59%
PM (TTM) 13.58%
GM 61.32%
FCFM 24.71%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y0.01%
OM growth 5Y9.62%
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 6.45
Debt/FCF 11.04
Debt/EBITDA 13.73
Cap/Depr 126.1%
Cap/Sales 2.87%
Interest Coverage 250
Cash Conversion 138.84%
Profit Quality 181.93%
Current Ratio 0.68
Quick Ratio 0.68
Altman-Z 0.34
F-Score6
WACC4.73%
ROIC/WACC0.79
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)15.28%
EPS 3Y16.08%
EPS 5Y32.56%
EPS Q2Q%16.12%
EPS Next Y14.96%
EPS Next 2Y14.64%
EPS Next 3Y14.06%
EPS Next 5Y12.95%
Revenue 1Y (TTM)6.6%
Revenue growth 3Y11.76%
Revenue growth 5Y15.25%
Sales Q2Q%2.17%
Revenue Next Year9.32%
Revenue Next 2Y9.08%
Revenue Next 3Y8.66%
Revenue Next 5Y7.4%
EBIT growth 1Y10.4%
EBIT growth 3Y11.77%
EBIT growth 5Y26.34%
EBIT Next Year-4.41%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y43.5%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y40.54%
OCF growth 3YN/A
OCF growth 5YN/A

American Express CDR / AXP.CA FAQ

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

ChartMill assigns a fundamental rating of 5 / 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 6 / 10.


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

The financial health rating of American Express CDR (AXP.CA) is 2 / 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 21.11%.