AMERICAN EXPRESS CO (AEC1.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:AEC1 • US0258161092

299.35 EUR
-1.45 (-0.48%)
Last: Feb 5, 2026, 07:00 PM
Fundamental Rating

4

Taking everything into account, AEC1 scores 4 out of 10 in our fundamental rating. AEC1 was compared to 8 industry peers in the Consumer Finance industry. AEC1 scores excellent on profitability, but there are concerns on its financial health. AEC1 is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year AEC1 was profitable.
  • AEC1 had a positive operating cash flow in the past year.
  • Of the past 5 years AEC1 4 years were profitable.
  • AEC1 had a positive operating cash flow in 4 of the past 5 years.
AEC1.DE Yearly Net Income VS EBIT VS OCF VS FCFAEC1.DE 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 5B 10B 15B 20B

1.2 Ratios

  • The Return On Assets of AEC1 (3.50%) is better than 87.50% of its industry peers.
  • With an excellent Return On Equity value of 32.12%, AEC1 belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • With a decent Return On Invested Capital value of 3.77%, AEC1 is doing good in the industry, outperforming 75.00% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for AEC1 is in line with the industry average of 4.67%.
  • The 3 year average ROIC (3.64%) for AEC1 is below the current ROIC(3.77%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.5%
ROE 32.12%
ROIC 3.77%
ROA(3y)3.36%
ROA(5y)3.17%
ROE(3y)30.79%
ROE(5y)28.26%
ROIC(3y)3.64%
ROIC(5y)3.45%
AEC1.DE Yearly ROA, ROE, ROICAEC1.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • AEC1 has a better Profit Margin (13.72%) than 62.50% of its industry peers.
  • AEC1's Profit Margin has been stable in the last couple of years.
  • AEC1 has a Operating Margin of 17.76%. This is amongst the best in the industry. AEC1 outperforms 87.50% of its industry peers.
  • AEC1's Operating Margin has been stable in the last couple of years.
  • Looking at the Gross Margin, with a value of 61.93%, AEC1 is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
  • In the last couple of years the Gross Margin of AEC1 has remained more or less at the same level.
Industry RankSector Rank
OM 17.76%
PM (TTM) 13.72%
GM 61.93%
OM growth 3Y-8.78%
OM growth 5Y-0.57%
PM growth 3Y-8.37%
PM growth 5Y-0.22%
GM growth 3Y-2.58%
GM growth 5Y-1.09%
AEC1.DE Yearly Profit, Operating, Gross MarginsAEC1.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AEC1 is destroying value.
  • There is no outstanding debt for AEC1. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
AEC1.DE Yearly Shares OutstandingAEC1.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
AEC1.DE Yearly Total Debt VS Total AssetsAEC1.DE 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

  • AEC1 has an Altman-Z score of 0.86. This is a bad value and indicates that AEC1 is not financially healthy and even has some risk of bankruptcy.
  • AEC1's Altman-Z score of 0.86 is amongst the best of the industry. AEC1 outperforms 87.50% of its industry peers.
  • AEC1 has a debt to FCF ratio of 11.04. This is a negative value and a sign of low solvency as AEC1 would need 11.04 years to pay back of all of its debts.
  • AEC1 has a Debt to FCF ratio (11.04) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 6.45 is on the high side and indicates that AEC1 has dependencies on debt financing.
  • AEC1 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 0.86
ROIC/WACC0.53
WACC7.14%
AEC1.DE Yearly LT Debt VS Equity VS FCFAEC1.DE 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

  • A Current Ratio of 0.68 indicates that AEC1 may have some problems paying its short term obligations.
  • AEC1 has a Current ratio (0.68) which is comparable to the rest of the industry.
  • AEC1 has a Quick Ratio of 0.68. This is a bad value and indicates that AEC1 is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of AEC1 (0.68) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.68
Quick Ratio 0.68
AEC1.DE Yearly Current Assets VS Current LiabilitesAEC1.DE 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

4

3. Growth

3.1 Past

  • AEC1 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
EPS 1Y (TTM)15.28%
EPS 3Y16.08%
EPS 5Y32.56%
EPS Q2Q%16.12%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.48%

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 7.04% on average over the next years.
EPS Next Y14.37%
EPS Next 2Y14.47%
EPS Next 3Y9.8%
EPS Next 5Y12.95%
Revenue Next Year8.97%
Revenue Next 2Y8.88%
Revenue Next 3Y6.81%
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.
AEC1.DE Yearly Revenue VS EstimatesAEC1.DE 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
AEC1.DE Yearly EPS VS EstimatesAEC1.DE 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

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 22.96, the valuation of AEC1 can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of AEC1 is on the same level as its industry peers.
  • AEC1 is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 20.07 indicates a rather expensive valuation of AEC1.
  • 62.50% of the companies in the same industry are cheaper than AEC1, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.20, AEC1 is valued a bit cheaper.
Industry RankSector Rank
PE 22.96
Fwd PE 20.07
AEC1.DE Price Earnings VS Forward Price EarningsAEC1.DE 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, AEC1 is valued a bit cheaper than 75.00% of the companies in the same industry.
  • AEC1's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. AEC1 is more expensive than 62.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF 12.84
EV/EBITDA 16.35
AEC1.DE Per share dataAEC1.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The decent profitability rating of AEC1 may justify a higher PE ratio.
PEG (NY)1.6
PEG (5Y)0.71
EPS Next 2Y14.47%
EPS Next 3Y9.8%

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

5

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.91%, AEC1 is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 1.76, AEC1 pays a bit more dividend than its industry peers.
  • With a Dividend Yield of 0.91, AEC1 pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.91%

5.2 History

  • The dividend of AEC1 is nicely growing with an annual growth rate of 10.33%!
Dividend Growth(5Y)10.33%
Div Incr Years3
Div Non Decr Years6
AEC1.DE Yearly Dividends per shareAEC1.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • AEC1 pays out 21.11% of its income as dividend. This is a sustainable payout ratio.
  • AEC1's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP21.11%
EPS Next 2Y14.47%
EPS Next 3Y9.8%
AEC1.DE Yearly Income VS Free CF VS DividendAEC1.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
AEC1.DE Dividend Payout.AEC1.DE Dividend Payout, showing the Payout Ratio.AEC1.DE Dividend Payout.PayoutRetained Earnings

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AMERICAN EXPRESS CO

FRA:AEC1 (2/5/2026, 7:00:00 PM)

299.35

-1.45 (-0.48%)

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 Cap206.21B
Revenue(TTM)N/A
Net Income(TTM)10.41B
Analysts68.89
Price Target323.47 (8.06%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.91%
Yearly Dividend2.35
Dividend Growth(5Y)10.33%
DP21.11%
Div Incr Years3
Div Non Decr Years6
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)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)3.22%
PT rev (3m)5.97%
EPS NQ rev (1m)-0.88%
EPS NQ rev (3m)-0.8%
EPS NY rev (1m)-0.29%
EPS NY rev (3m)0.11%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.34%
Valuation
Industry RankSector Rank
PE 22.96
Fwd PE 20.07
P/S 3.21
P/FCF 12.84
P/OCF 11.51
P/B 7.5
P/tB 7.5
EV/EBITDA 16.35
EPS(TTM)13.04
EY4.36%
EPS(NY)14.92
Fwd EY4.98%
FCF(TTM)23.31
FCFY7.79%
OCF(TTM)26.01
OCFY8.69%
SpS93.4
BVpS39.89
TBVpS39.89
PEG (NY)1.6
PEG (5Y)0.71
Graham Number108.18
Profitability
Industry RankSector Rank
ROA 3.5%
ROE 32.12%
ROCE 10.25%
ROIC 3.77%
ROICexc 4.62%
ROICexgc 5.14%
OM 17.76%
PM (TTM) 13.72%
GM 61.93%
FCFM 24.95%
ROA(3y)3.36%
ROA(5y)3.17%
ROE(3y)30.79%
ROE(5y)28.26%
ROIC(3y)3.64%
ROIC(5y)3.45%
ROICexc(3y)4.36%
ROICexc(5y)4.08%
ROICexgc(3y)4.66%
ROICexgc(5y)4.41%
ROCE(3y)9.86%
ROCE(5y)9.06%
ROICexgc growth 3Y-4.54%
ROICexgc growth 5Y1.68%
ROICexc growth 3Y-3.59%
ROICexc growth 5Y1.93%
OM growth 3Y-8.78%
OM growth 5Y-0.57%
PM growth 3Y-8.37%
PM growth 5Y-0.22%
GM growth 3Y-2.58%
GM growth 5Y-1.09%
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 2.9%
Interest Coverage 250
Cash Conversion 138.84%
Profit Quality 181.93%
Current Ratio 0.68
Quick Ratio 0.68
Altman-Z 0.86
F-Score6
WACC7.14%
ROIC/WACC0.53
Cap/Depr(3y)107.59%
Cap/Depr(5y)102%
Cap/Sales(3y)2.77%
Cap/Sales(5y)3.15%
Profit Quality(3y)195.73%
Profit Quality(5y)177.62%
High Growth Momentum
Growth
EPS 1Y (TTM)15.28%
EPS 3Y16.08%
EPS 5Y32.56%
EPS Q2Q%16.12%
EPS Next Y14.37%
EPS Next 2Y14.47%
EPS Next 3Y9.8%
EPS Next 5Y12.95%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.48%
Revenue Next Year8.97%
Revenue Next 2Y8.88%
Revenue Next 3Y6.81%
Revenue Next 5Y7.04%
EBIT growth 1Y10.4%
EBIT growth 3Y7.6%
EBIT growth 5Y8.16%
EBIT Next Year45.1%
EBIT Next 3Y10%
EBIT Next 5YN/A
FCF growth 1Y1.99%
FCF growth 3Y-2.5%
FCF growth 5Y0.25%
OCF growth 1Y4.53%
OCF growth 3Y-1.37%
OCF growth 5Y0.61%

AMERICAN EXPRESS CO / AEC1.DE FAQ

What is the fundamental rating for AEC1 stock?

ChartMill assigns a fundamental rating of 4 / 10 to AEC1.DE.


Can you provide the valuation status for AMERICAN EXPRESS CO?

ChartMill assigns a valuation rating of 2 / 10 to AMERICAN EXPRESS CO (AEC1.DE). This can be considered as Overvalued.


Can you provide the profitability details for AMERICAN EXPRESS CO?

AMERICAN EXPRESS CO (AEC1.DE) has a profitability rating of 7 / 10.


What is the financial health of AMERICAN EXPRESS CO (AEC1.DE) stock?

The financial health rating of AMERICAN EXPRESS CO (AEC1.DE) is 2 / 10.


How sustainable is the dividend of AMERICAN EXPRESS CO (AEC1.DE) stock?

The dividend rating of AMERICAN EXPRESS CO (AEC1.DE) is 5 / 10 and the dividend payout ratio is 21.11%.