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

TSX:AXP

Current stock price

27.27 CAD
-0.28 (-1.02%)
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.
  • In the past 5 years AXP always reported a positive cash flow from operatings.
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 better Return On Assets (3.59%) than 71.43% of its industry peers.
  • The Return On Equity of AXP (32.61%) is better than 100.00% of its industry peers.
  • With a Return On Invested Capital value of 3.79%, AXP perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for AXP is significantly below the industry average of 9.22%.
  • The 3 year average ROIC (3.69%) for AXP is below the current ROIC(3.79%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.59%
ROE 32.61%
ROIC 3.79%
ROA(3y)3.47%
ROA(5y)3.57%
ROE(3y)31.47%
ROE(5y)32.01%
ROIC(3y)3.69%
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 has a better Profit Margin (13.94%) than 85.71% of its industry peers.
  • AXP's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 17.87%, AXP is in line with its industry, outperforming 57.14% of the companies in the same industry.
  • AXP's Operating Margin has improved in the last couple of years.
  • AXP has a better Gross Margin (61.03%) than 85.71% of its industry peers.
  • In the last couple of years the Gross Margin of AXP has declined.
Industry RankSector Rank
OM 17.87%
PM (TTM) 13.94%
GM 61.03%
OM growth 3Y-0.8%
OM growth 5Y8.91%
PM growth 3Y0.43%
PM growth 5Y10.94%
GM growth 3Y-2.33%
GM growth 5Y-3.21%
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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2

2. AXP.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AXP is destroying value.
  • AXP has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for AXP has been reduced compared to 5 years ago.
  • Compared to 1 year ago, AXP has about the same debt to assets ratio.
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

  • AXP has an Altman-Z score of 0.09. This is a bad value and indicates that AXP is not financially healthy and even has some risk of bankruptcy.
  • AXP has a Altman-Z score of 0.09. This is comparable to the rest of the industry: AXP outperforms 42.86% of its industry peers.
  • AXP has a debt to FCF ratio of 15.25. This is a negative value and a sign of low solvency as AXP would need 15.25 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 15.25, AXP is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
  • A Debt/Equity ratio of 6.42 is on the high side and indicates that AXP has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 6.42, AXP is doing worse than 85.71% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 6.42
Debt/FCF 15.25
Altman-Z 0.09
ROIC/WACC0.9
WACC4.23%
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 0.31. 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 (0.31) than 85.71% of its industry peers.
  • AXP has a Quick Ratio of 0.31. This is a bad value and indicates that AXP is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Quick ratio value of 0.31, AXP is not doing good in the industry: 85.71% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.31
Quick Ratio 0.31
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

  • The Earnings Per Share has grown by an nice 17.35% over the past year.
  • 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 grown by 9.38% in the past year. This is quite good.
  • AXP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.96% yearly.
EPS 1Y (TTM)17.35%
EPS 3Y16.08%
EPS 5Y32.56%
EPS Q2Q%17.58%
Revenue 1Y (TTM)9.38%
Revenue growth 3Y12.6%
Revenue growth 5Y15.96%
Sales Q2Q%3.29%

3.2 Future

  • Based on estimates for the next years, AXP will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.49% on average per year.
  • The Revenue is expected to grow by 8.10% on average over the next years. This is quite good.
EPS Next Y15.31%
EPS Next 2Y14.87%
EPS Next 3Y14.46%
EPS Next 5Y11.49%
Revenue Next Year10.13%
Revenue Next 2Y9.46%
Revenue Next 3Y8.86%
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 2030 5 10 15 20 25

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9

4. AXP.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • AXP is valuated cheaply with a Price/Earnings ratio of 1.24.
  • AXP's Price/Earnings ratio is rather cheap when compared to the industry. AXP is cheaper than 100.00% of the companies in the same industry.
  • AXP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.64.
  • Based on the Price/Forward Earnings ratio of 0.98, the valuation of AXP can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward 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/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.24
Fwd PE 0.98
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 cheaply inside the industry as 85.71% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, AXP is valued cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.96
EV/EBITDA 1.2
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

  • The 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 14.46% in the coming years.
PEG (NY)0.08
PEG (5Y)0.04
EPS Next 2Y14.87%
EPS Next 3Y14.46%

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3

5. AXP.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.19%, AXP has a reasonable but not impressive dividend return.
  • AXP's Dividend Yield is a higher than the industry average which is at 2.73.
  • AXP's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.19%

5.2 History

  • On average, the dividend of AXP grows each year by 12.38%, which is quite nice.
  • AXP is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)12.38%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • AXP pays out 21.15% of its income as dividend. This is a sustainable payout ratio.
  • AXP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP21.15%
EPS Next 2Y14.87%
EPS Next 3Y14.46%
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 (5/1/2026, 7:00:00 PM)

27.27

-0.28 (-1.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry Strength54.66
Industry Growth96.89
Earnings (Last)04-23
Earnings (Next)07-24
Inst Owners64.99%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap18.70B
Revenue(TTM)79.54B
Net Income(TTM)11.09B
Analysts70.86
Price Target31.36 (15%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.19%
Yearly Dividend4.48
Dividend Growth(5Y)12.38%
DP21.15%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.12%
Min EPS beat(2)-1.23%
Max EPS beat(2)5.48%
EPS beat(4)3
Avg EPS beat(4)2.67%
Min EPS beat(4)-1.23%
Max EPS beat(4)5.48%
EPS beat(8)6
Avg EPS beat(8)3.2%
EPS beat(12)9
Avg EPS beat(12)4.04%
EPS beat(16)11
Avg EPS beat(16)2.31%
Revenue beat(2)1
Avg Revenue beat(2)-0.06%
Min Revenue beat(2)-0.68%
Max Revenue beat(2)0.55%
Revenue beat(4)2
Avg Revenue beat(4)0.2%
Min Revenue beat(4)-0.68%
Max Revenue beat(4)1.09%
Revenue beat(8)6
Avg Revenue beat(8)3.55%
Revenue beat(12)10
Avg Revenue beat(12)4.51%
Revenue beat(16)14
Avg Revenue beat(16)4.76%
PT rev (1m)-5.13%
PT rev (3m)-3.24%
EPS NQ rev (1m)0.24%
EPS NQ rev (3m)-0.49%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)0.82%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0.47%
Revenue NY rev (3m)1.06%
Valuation
Industry RankSector Rank
PE 1.24
Fwd PE 0.98
P/S 0.17
P/FCF 0.96
P/OCF 0.78
P/B 0.4
P/tB 0.4
EV/EBITDA 1.2
EPS(TTM)21.91
EY80.34%
EPS(NY)27.75
Fwd EY101.78%
FCF(TTM)28.55
FCFY104.69%
OCF(TTM)34.81
OCFY127.66%
SpS158.53
BVpS67.75
TBVpS67.75
PEG (NY)0.08
PEG (5Y)0.04
Graham Number182.758 (570.18%)
Profitability
Industry RankSector Rank
ROA 3.59%
ROE 32.61%
ROCE 10.56%
ROIC 3.79%
ROICexc 4.63%
ROICexgc 5.17%
OM 17.87%
PM (TTM) 13.94%
GM 61.03%
FCFM 18.01%
ROA(3y)3.47%
ROA(5y)3.57%
ROE(3y)31.47%
ROE(5y)32.01%
ROIC(3y)3.69%
ROIC(5y)3.82%
ROICexc(3y)4.44%
ROICexc(5y)4.52%
ROICexgc(3y)4.74%
ROICexgc(5y)4.87%
ROCE(3y)10.28%
ROCE(5y)10.3%
ROICexgc growth 3Y2.16%
ROICexgc growth 5Y14.46%
ROICexc growth 3Y2.41%
ROICexc growth 5Y15.17%
OM growth 3Y-0.8%
OM growth 5Y8.91%
PM growth 3Y0.43%
PM growth 5Y10.94%
GM growth 3Y-2.33%
GM growth 5Y-3.21%
F-Score4
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 6.42
Debt/FCF 15.25
Debt/EBITDA 13.62
Cap/Depr 173.51%
Cap/Sales 3.95%
Interest Coverage 250
Cash Conversion 108.97%
Profit Quality 129.2%
Current Ratio 0.31
Quick Ratio 0.31
Altman-Z 0.09
F-Score4
WACC4.23%
ROIC/WACC0.9
Cap/Depr(3y)115.05%
Cap/Depr(5y)110.14%
Cap/Sales(3y)2.73%
Cap/Sales(5y)3.04%
Profit Quality(3y)158.99%
Profit Quality(5y)180.43%
High Growth Momentum
Growth
EPS 1Y (TTM)17.35%
EPS 3Y16.08%
EPS 5Y32.56%
EPS Q2Q%17.58%
EPS Next Y15.31%
EPS Next 2Y14.87%
EPS Next 3Y14.46%
EPS Next 5Y11.49%
Revenue 1Y (TTM)9.38%
Revenue growth 3Y12.6%
Revenue growth 5Y15.96%
Sales Q2Q%3.29%
Revenue Next Year10.13%
Revenue Next 2Y9.46%
Revenue Next 3Y8.86%
Revenue Next 5Y8.1%
EBIT growth 1Y13.1%
EBIT growth 3Y11.71%
EBIT growth 5Y26.29%
EBIT Next Year-4.41%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-37.42%
FCF growth 3Y-5.93%
FCF growth 5Y31.22%
OCF growth 1Y-28.67%
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 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.


What is the profitability of AXP stock?

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


Can you provide the financial health for AXP stock?

The financial health rating of American Express CDR (AXP.CA) is 2 / 10.


Can you provide the expected EPS growth for AXP stock?

The Earnings per Share (EPS) of American Express CDR (AXP.CA) is expected to grow by 15.31% in the next year.