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

TSX:AXP

Current stock price

25.71 CAD
-0.1 (-0.39%)
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

  • AXP had positive earnings in the past year.
  • In the past year AXP had a positive cash flow from operations.
  • Each year in the past 5 years AXP has been profitable.
  • AXP had a positive operating cash flow in each of the past 5 years.
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

  • The Return On Assets of AXP (3.57%) is worse than 62.50% of its industry peers.
  • AXP's Return On Equity of 31.97% is amongst the best of the industry. AXP outperforms 100.00% of its industry peers.
  • 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 3 year average ROIC (3.68%) for AXP is below the current ROIC(3.79%), indicating increased profibility in the last year.
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

  • With an excellent Profit Margin value of 13.65%, AXP belongs to the best 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.
  • With a decent Operating Margin value of 17.56%, AXP is doing good in the industry, outperforming 62.50% 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 (60.91%) than 75.00% of its industry peers.
  • AXP's Gross Margin has declined in the last couple of years.
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

  • 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.
  • Compared to 5 years ago, AXP has less shares outstanding
  • 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 0.32. This is a bad value and indicates that AXP is not financially healthy and even has some risk of bankruptcy.
  • AXP's Altman-Z score of 0.32 is fine compared to the rest 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's Debt to FCF ratio of 13.14 is fine compared to the rest of the industry. AXP outperforms 75.00% of its industry peers.
  • A Debt/Equity ratio of 6.28 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 6.28, AXP is doing worse than 87.50% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 6.28
Debt/FCF 13.14
Altman-Z 0.32
ROIC/WACC0.91
WACC4.17%
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.
  • The Current ratio of AXP (0.65) is worse than 87.50% of its industry peers.
  • 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.
  • With a Quick ratio value of 0.65, AXP is not doing good in the industry: 87.50% of the companies in the same industry are doing better.
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
  • AXP shows a small growth in Revenue. In the last year, the Revenue has grown by 6.60%.
  • 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

  • AXP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.95% yearly.
  • Based on estimates for the next years, AXP 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

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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.
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

  • Based on the Price/Earnings ratio of 1.22, the valuation of AXP can be described as very cheap.
  • Based on the Price/Earnings ratio, AXP is valued cheaper than 100.00% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of AXP to the average of the S&P500 Index (25.71), we can say AXP is valued rather cheaply.
  • A Price/Forward Earnings ratio of 1.06 indicates a rather cheap valuation of AXP.
  • 100.00% of the companies in the same industry are more expensive than AXP, based on the Price/Forward Earnings ratio.
  • AXP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.83.
Industry RankSector Rank
PE 1.22
Fwd PE 1.06
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 87.50% of the companies in the same industry.
  • 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 0.8
EV/EBITDA 1.44
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.
  • AXP has a very decent profitability rating, which 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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4

5. AXP.CA Dividend Analysis

5.1 Amount

  • AXP has a Yearly Dividend Yield of 1.26%.
  • Compared to an average industry Dividend Yield of 2.84, AXP pays a bit more dividend than its industry peers.
  • AXP's Dividend Yield is slightly below the S&P500 average, which is at 1.91.
Industry RankSector Rank
Dividend Yield 1.26%

5.2 History

  • The dividend of AXP is nicely growing with an annual growth rate of 12.38%!
  • 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

  • AXP pays out 21.22% of its income as dividend. This is a 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 (3/13/2026, 7:00:00 PM)

25.71

-0.1 (-0.39%)

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 Cap17.65B
Revenue(TTM)78.41B
Net Income(TTM)10.70B
Analysts70.29
Price Target33.06 (28.59%)
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 1.22
Fwd PE 1.06
P/S 0.16
P/FCF 0.8
P/OCF 0.7
P/B 0.38
P/tB 0.38
EV/EBITDA 1.44
EPS(TTM)21.09
EY82.03%
EPS(NY)24.32
Fwd EY94.59%
FCF(TTM)31.94
FCFY124.23%
OCF(TTM)36.78
OCFY143.05%
SpS156.5
BVpS66.81
TBVpS66.81
PEG (NY)0.08
PEG (5Y)0.04
Graham Number178.05
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
WACC4.17%
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%.