AMERICAN EXPRESS CO (AXP) 154.7 -1.38 (-0.88%)
154.7 -1.38 (-0.88%)
US0258161092 - Common Stock - After market: 154.89 +0.19 (+0.12%)
Fundamental Rating
We assign a fundamental rating of 4 out of 10 to AXP. AXP was compared to 55 industry peers in the Consumer Finance industry. AXP has a medium profitability rating, but doesn't score so well on its financial health evaluation. AXP is quite expensive at the moment. It does show a decent growth rate.
Profitability
Profitability Rating
AXP's Return On Assets of 3.56% is amongst the best of the industry. AXP does better than the industry average Return On Assets of 2.93%.
AXP has a Return On Equity of 32.00%. This is better than the industry average of 20.40%.
AXP's Profit Margin of 14.82% is in line with the rest of the industry. The industry average Profit Margin is 13.54%.
The Piotroski-F score of AXP is 5.00. This is a neutral score and indicates average health and profitability for AXP.
VS Industry
ROA (3.56%) VS Industry: 62% outperformed.
-76.26
1,001.12
ROE (32%) VS Industry: 80% outperformed.
0.77
1,154.40
Profit Margin (14.82%) VS Industry: 54% outperformed.
-3,112.19
42.56
Valuation
Valuation Rating
With a Price/Earnings Ratio of 15.55, AXP is valued correctly.
With a Forward Price/Earnings Ratio of 13.77, AXP is valued correctly.
With a price book ratio of 4.83, AXP is valued correctly.
When comparing the Enterprise Value to EBITDA ratio of AXP to the average industry ratio of 10.58, AXP is valued in line with its industry peers.
With a Price/Earning Ratio of 15.55, AXP is valued a higher than the industry average, which is at 5.92. 93% of the companies listed in the same industry are cheaper than AXP!
The high PEG Ratio, which compensates the Price/Earnings for growth, indicates AXP does not grow enough to justify the current Price/Earnings ratio.
When comparing the price book ratio of AXP to the average industry price book ratio of 0.99, AXP is valued more expensive than its industry peers. 99% of the companies listed in the same industry are valued cheaper.
VS Industry
Price/Earnings (15.55) VS Industry: 7% outperformed.
41.09
0.33
Price/Book (4.83) VS Industry: 1% outperformed.
5.93
0.12
Enterprise Value/ EBITDA (11.12) VS Industry: 46% outperformed.
42.03
0.56
Growth
Growth Rating
AXP shows quite a strong growth in Earnings Per Share. Measured over the last 5 years, the EPS has been growing by 12.23% yearly.
AXP shows a strong growth in Revenue. In the last year, the Revenue has grown by 28.89%.
Based on estimates for the next 5 years, AXP will show a quite strong growth in Revenue. The Revenue will grow by 10.12% on average per year.
The Revenue growth is accelerating: in the next 5 years the growth will be better than in the last years.
AXP shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.97%.
AXP is expected to show a small growth in Earnings Per Share. In the coming 5 years, the EPS will grow by 8.47% yearly.
The Revenue has been growing slightly by 3.52% on average over the past 5 years.
The EPS growth is decreasing: in the next 5 years the growth will be less than in the last years.
| Past | Future | ||||||
|---|---|---|---|---|---|---|---|
| 5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |
| EPS | 12.23% | 10.92% | 3.97% | 0.22% | 6.05% | 7.23% | 8.47% |
| Revenue | 3.52% | 0.96% | 28.89% | 26.58% | 18.62% | 15.18% | 10.12% |
Health
Health Rating
The Piotroski-F score of AXP is 5.00. This is a neutral score and indicates average health and profitability for AXP.
When comparing the Debt to Equity Ratio of AXP to the average industry Debt to Equity Ratio of 1.08, AXP required more debt to finance its operations than its industry peers.
VS Industry
Debt/Equity (1.77) VS Industry: 40% outperformed.
21.53
0.00
Dividend
Dividend Rating
The dividend of AXP is nicely growing with an annual growth rate of 6.10%!
AXP pays out 19.81% of its income as dividend. This is a sustainable payout ratio.
AXP has been paying a dividend for at least 10 years, so it has a reliable track record.
With a Yearly Dividend Yield of 1.35%, AXP has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.91, AXP's dividend is way lower than its industry peers. On top of this 95% of the companies listed in the same industry pay a better dividend than AXP!
Compared to an average S&P500 Dividend Yield of 2.43, AXP's dividend is way lower than the S&P500 average.
The dividend of AXP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
VS Industry
Dividend Yield (1.35%) VS Industry: 5% outperformed.
1.05
13.88
AMERICAN EXPRESS CO154.7
NYSE:AXP (12/6/2022, 7:22:59 PM)-1.38 (-0.88%)
| GICS Sector | Financials | ||
| GICS IndustryGroup | Diversified Financials | ||
| GICS Industry | Consumer Finance | ||
| Earnings (Last) | 10-21 2022-10-21/bmo | Earnings (Next) | 01-23 2023-01-23 |
| Ins Owners | 0.08% | Inst Owners | 84.11% |
| Market Cap | 115.60B | Analysts | 73.33 |
| PE | 15.55 | Fwd PE | 13.77 |
| PEG (NY) | 69.24 | PEG (5Y) | 1.27 |
| P/S | 2.24 | P/B | 4.83 |
| EV/EBITDA | 11.12 | ||
| Dividend Yield | 1.35% | Dividend Growth | 6.1% |
| DP | 19.81% | Ex-Date | 10-13 2022-10-13 (0.52) |
| EPS 1Y | 3.97% | EPS 3Y | 10.92% |
| EPS 5Y | 12.23% | EPS growth Q2Q | 8.81% |
| EPS Next Y | 0.22% | EPS Next 2Y | 6.05% |
| EPS Next 3Y | 7.23% | EPS Next 5Y | 8.47% |
| Revenue growth 1Y | 28.89% | Revenue growth 3Y | 0.96% |
| Revenue growth 5Y | 3.52% | Revenue growth Q2Q | 26.81% |
| Revenue Next Year | 26.58% | Revenue Next 2Y | 18.62% |
| Revenue Next 3Y | 15.18% | Revenue Next 5Y | 10.12% |
| Current Ratio | N/A | Quick Ratio | N/A |
| Altman-Z | N/A | F-Score | 5 |
| Debt/Equity | 1.77 | WACC | 4.68% |
| ROIC/WACC | N/A | ||
| ROA | 3.56% | ROE | 32% |
| ROICexgc | N/A | ROIC | N/A |
| PM | 14.82% | OM | 19.59% |
| Asset Turnover | 0.24 | ||
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