AMERICAN EXPRESS CO (AXP) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:AXP • US0258161092
363.2 USD
+3.54 (+0.98%)
At close: Feb 10, 2026
365.733 USD
+2.53 (+0.7%)
After Hours: 2/10/2026, 5:27:04 PM
Taking everything into account, AXP scores 4 out of 10 in our fundamental rating. AXP was compared to 54 industry peers in the Consumer Finance industry. AXP has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, AXP is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- AXP had positive earnings in the past year.
- In the past year AXP had a positive cash flow from operations.
- AXP had positive earnings in each of the past 5 years.
- Of the past 5 years AXP 4 years had a positive operating cash flow.
1.2 Ratios
- AXP's Return On Assets of 3.50% is fine compared to the rest of the industry. AXP outperforms 61.11% of its industry peers.
- AXP has a better Return On Equity (32.12%) than 92.59% of its industry peers.
- AXP has a Return On Invested Capital (3.74%) which is in line with its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- AXP has a Profit Margin of 13.58%. This is comparable to the rest of the industry: AXP outperforms 55.56% of its industry peers.
- In the last couple of years the Profit Margin of AXP has grown nicely.
- AXP has a better Operating Margin (17.59%) than 62.96% of its industry peers.
- In the last couple of years the Operating Margin of AXP has grown nicely.
- With a decent Gross Margin value of 61.32%, AXP is doing good in the industry, outperforming 61.11% of the companies in the same industry.
- In the last couple of years the Gross Margin of AXP has declined.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
2.2 Solvency
- Based on the Altman-Z score of 0.87, we must say that AXP is in the distress zone and has some risk of bankruptcy.
- AXP has a better Altman-Z score (0.87) than 61.11% 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.
- With a decent Debt to FCF ratio value of 11.04, AXP is doing good in the industry, outperforming 61.11% of the companies in the same industry.
- A Debt/Equity ratio of 6.45 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 6.45, AXP is doing worse than 68.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.45 | ||
| Debt/FCF | 11.04 | ||
| Altman-Z | 0.87 |
ROIC/WACC0.53
WACC7.09%
2.3 Liquidity
- A Current Ratio of 0.68 indicates that AXP may have some problems paying its short term obligations.
- AXP has a Current ratio (0.68) which is comparable to the rest of the industry.
- A Quick Ratio of 0.68 indicates that AXP may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.68, AXP is in line with its industry, outperforming 44.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.68 | ||
| Quick Ratio | 0.68 |
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.
- Looking at the last year, AXP shows a small growth in Revenue. The Revenue has grown by 6.60% in the last year.
- Measured over the past years, AXP shows a quite strong growth in Revenue. The Revenue has been growing by 15.25% on average per year.
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%10.48%
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 12.95% on average per year.
- AXP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.04% yearly.
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 5Y7.04%
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.
4. Valuation
4.1 Price/Earnings Ratio
- AXP is valuated rather expensively with a Price/Earnings ratio of 23.60.
- AXP's Price/Earnings ratio is a bit more expensive when compared to the industry. AXP is more expensive than 75.93% of the companies in the same industry.
- AXP is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.06, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 20.53, AXP is valued on the expensive side.
- Based on the Price/Forward Earnings ratio, AXP is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.86, AXP is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.6 | ||
| Fwd PE | 20.53 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as AXP.
- The rest of the industry has a similar Price/Free Cash Flow ratio as AXP.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.21 | ||
| EV/EBITDA | 16.64 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- AXP has a very decent profitability rating, which 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)1.58
PEG (5Y)0.72
EPS Next 2Y14.64%
EPS Next 3Y14.06%
5. Dividend
5.1 Amount
- AXP has a yearly dividend return of 0.92%, which is pretty low.
- AXP's Dividend Yield is comparable with the industry average which is at 2.75.
- With a Dividend Yield of 0.92, AXP pays less dividend than the S&P500 average, which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.92% |
5.2 History
- On average, the dividend of AXP grows each year by 10.33%, which is quite nice.
- AXP has been paying a dividend for at least 10 years, so it has a reliable track record.
- AXP has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)10.33%
Div Incr Years3
Div Non Decr Years20
5.3 Sustainability
- 21.11% of the earnings are spent on dividend by AXP. This is a low number and sustainable payout ratio.
- AXP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP21.11%
EPS Next 2Y14.64%
EPS Next 3Y14.06%
363.2
+3.54 (+0.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-30 2026-01-30/bmo
Earnings (Next)04-24 2026-04-24/bmo
Inst Owners65.15%
Inst Owner Change-1.69%
Ins Owners0.07%
Ins Owner Change7.15%
Market Cap250.19B
Revenue(TTM)78.41B
Net Income(TTM)10.41B
Analysts68.89
Price Target382.51 (5.32%)
Short Float %1.5%
Short Ratio2.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.92% |
Yearly Dividend2.81
Dividend Growth(5Y)10.33%
DP21.11%
Div Incr Years3
Div Non Decr Years20
Ex-Date01-02 2026-01-02 (0.82)
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)1
Avg Revenue beat(4)-0.19%
Min Revenue beat(4)-0.88%
Max Revenue beat(4)1.09%
Revenue beat(8)1
Avg Revenue beat(8)-0.95%
Revenue beat(12)3
Avg Revenue beat(12)0.48%
Revenue beat(16)7
Avg Revenue beat(16)1.9%
PT rev (1m)3.65%
PT rev (3m)7.67%
EPS NQ rev (1m)-0.88%
EPS NQ rev (3m)-0.88%
EPS NY rev (1m)0.16%
EPS NY rev (3m)0.55%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)0.24%
Revenue NY rev (1m)0.41%
Revenue NY rev (3m)0.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.6 | ||
| Fwd PE | 20.53 | ||
| P/S | 3.26 | ||
| P/FCF | 13.21 | ||
| P/OCF | 11.84 | ||
| P/B | 7.72 | ||
| P/tB | 7.72 | ||
| EV/EBITDA | 16.64 |
EPS(TTM)15.39
EY4.24%
EPS(NY)17.69
Fwd EY4.87%
FCF(TTM)27.5
FCFY7.57%
OCF(TTM)30.69
OCFY8.45%
SpS111.3
BVpS47.06
TBVpS47.06
PEG (NY)1.58
PEG (5Y)0.72
Graham Number127.65
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.87 |
F-Score6
WACC7.09%
ROIC/WACC0.53
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%10.48%
Revenue Next Year9.32%
Revenue Next 2Y9.08%
Revenue Next 3Y8.66%
Revenue Next 5Y7.04%
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 CO / AXP FAQ
Can you provide the ChartMill fundamental rating for AMERICAN EXPRESS CO?
ChartMill assigns a fundamental rating of 4 / 10 to AXP.
Can you provide the valuation status for AMERICAN EXPRESS CO?
ChartMill assigns a valuation rating of 3 / 10 to AMERICAN EXPRESS CO (AXP). This can be considered as Overvalued.
Can you provide the profitability details for AMERICAN EXPRESS CO?
AMERICAN EXPRESS CO (AXP) has a profitability rating of 6 / 10.
What is the financial health of AMERICAN EXPRESS CO (AXP) stock?
The financial health rating of AMERICAN EXPRESS CO (AXP) is 2 / 10.
Is the dividend of AMERICAN EXPRESS CO sustainable?
The dividend rating of AMERICAN EXPRESS CO (AXP) is 6 / 10 and the dividend payout ratio is 21.11%.