AMERICAN EXPRESS CO (AEC1.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:AEC1 - US0258161092 - Common Stock
305.85 EUR
-2.25 (-0.73%)
AEC1 gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 10 industry peers in the Consumer Finance industry. While AEC1 has a great profitability rating, there are quite some concerns on its financial health. While showing a medium growth rate, AEC1 is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- In the past year AEC1 was profitable.
- AEC1 had a positive operating cash flow in the past year.
- AEC1 had positive earnings in each of the past 5 years.
- Each year in the past 5 years AEC1 had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 3.50%, AEC1 belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
- The Return On Equity of AEC1 (32.12%) is better than 100.00% of its industry peers.
- The Return On Invested Capital of AEC1 (3.77%) is better than 80.00% of its industry peers.
- AEC1 had an Average Return On Invested Capital over the past 3 years of 3.64%. This is in line with the industry average of 4.52%.
- The last Return On Invested Capital (3.77%) for AEC1 is above the 3 year average (3.64%), which is a sign of increasing profitability.
| Industry Rank | Sector 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%
1.3 Margins
- Looking at the Profit Margin, with a value of 13.72%, AEC1 is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
- AEC1's Profit Margin has been stable in the last couple of years.
- With an excellent Operating Margin value of 17.76%, AEC1 belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
- AEC1's Operating Margin has been stable in the last couple of years.
- AEC1 has a Gross Margin of 61.93%. This is comparable to the rest of the industry: AEC1 outperforms 60.00% of its industry peers.
- AEC1's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- AEC1 has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- AEC1 has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for AEC1 has been reduced compared to 5 years ago.
- Compared to 1 year ago, AEC1 has a worse debt to assets ratio.
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 fine compared to the rest of the industry. AEC1 outperforms 70.00% 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.
- With a Debt to FCF ratio value of 11.04, AEC1 perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
- AEC1 has a Debt/Equity ratio of 6.45. This is a high value indicating a heavy dependency on external financing.
- AEC1 has a Debt to Equity ratio of 6.45. This is amonst the worse of the industry: AEC1 underperforms 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.45 | ||
| Debt/FCF | 11.04 | ||
| Altman-Z | 0.86 |
ROIC/WACC0.53
WACC7.16%
2.3 Liquidity
- AEC1 has a Current 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.
- AEC1 has a Current ratio of 0.68. This is comparable to the rest of the industry: AEC1 outperforms 50.00% of its industry peers.
- 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.
- AEC1 has a Quick ratio of 0.68. This is comparable to the rest of the industry: AEC1 outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.68 | ||
| Quick Ratio | 0.68 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 15.24% over the past year.
- Measured over the past years, AEC1 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.27% on average per year.
- Looking at the last year, AEC1 shows a small growth in Revenue. The Revenue has grown by 4.37% in the last year.
- Measured over the past years, AEC1 shows a quite strong growth in Revenue. The Revenue has been growing by 8.79% on average per year.
EPS 1Y (TTM)15.24%
EPS 3Y10.15%
EPS 5Y10.27%
EPS Q2Q%18.62%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y17.95%
Revenue growth 5Y8.79%
Sales Q2Q%10.76%
3.2 Future
- The Earnings Per Share is expected to grow by 13.41% on average over the next years. This is quite good.
- AEC1 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.50% yearly.
EPS Next Y17.04%
EPS Next 2Y15.03%
EPS Next 3Y14.81%
EPS Next 5Y13.41%
Revenue Next Year9.39%
Revenue Next 2Y9.17%
Revenue Next 3Y9.04%
Revenue Next 5Y7.5%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 24.08, AEC1 is valued on the expensive side.
- AEC1's Price/Earnings is on the same level as the industry average.
- When comparing the Price/Earnings ratio of AEC1 to the average of the S&P500 Index (26.94), we can say AEC1 is valued inline with the index average.
- Based on the Price/Forward Earnings ratio of 20.31, the valuation of AEC1 can be described as rather expensive.
- 60.00% of the companies in the same industry are cheaper than AEC1, based on the Price/Forward Earnings ratio.
- AEC1's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.08 | ||
| Fwd PE | 20.31 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, AEC1 is valued a bit cheaper than 80.00% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of AEC1 is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.05 | ||
| EV/EBITDA | 16.6 |
4.3 Compensation for Growth
- AEC1's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- AEC1 has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as AEC1's earnings are expected to grow with 14.81% in the coming years.
PEG (NY)1.41
PEG (5Y)2.35
EPS Next 2Y15.03%
EPS Next 3Y14.81%
5. Dividend
5.1 Amount
- AEC1 has a yearly dividend return of 0.92%, which is pretty low.
- Compared to an average industry Dividend Yield of 1.51, AEC1 has a dividend in line with its industry peers.
- With a Dividend Yield of 0.92, AEC1 pays less dividend than the S&P500 average, which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.92% |
5.2 History
- On average, the dividend of AEC1 grows each year by 10.33%, which is quite nice.
Dividend Growth(5Y)10.33%
Div Incr Years3
Div Non Decr Years6
5.3 Sustainability
- 21.11% of the earnings are spent on dividend by AEC1. This is a low number and sustainable payout ratio.
- The dividend of AEC1 is growing, but earnings are growing more, so the dividend growth is sustainable.
DP21.11%
EPS Next 2Y15.03%
EPS Next 3Y14.81%
FRA:AEC1 (1/20/2026, 7:00:00 PM)
305.85
-2.25 (-0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-17 2025-10-17/bmo
Earnings (Next)01-30 2026-01-30/amc
Inst Owners65.15%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap210.68B
Revenue(TTM)75.91B
Net Income(TTM)10.41B
Analysts68.89
Price Target323.47 (5.76%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.92% |
Yearly Dividend2.42
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)5.39%
PT rev (3m)15.73%
EPS NQ rev (1m)-0.86%
EPS NQ rev (3m)-2.47%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)0.98%
Revenue NQ rev (1m)0.18%
Revenue NQ rev (3m)1.11%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)0.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.08 | ||
| Fwd PE | 20.31 | ||
| P/S | 3.26 | ||
| P/FCF | 13.05 | ||
| P/OCF | 11.69 | ||
| P/B | 7.62 | ||
| P/tB | 7.62 | ||
| EV/EBITDA | 16.6 |
EPS(TTM)12.7
EY4.15%
EPS(NY)15.06
Fwd EY4.92%
FCF(TTM)23.45
FCFY7.67%
OCF(TTM)26.17
OCFY8.56%
SpS93.96
BVpS40.13
TBVpS40.13
PEG (NY)1.41
PEG (5Y)2.35
Graham Number107.08
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.16%
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)15.24%
EPS 3Y10.15%
EPS 5Y10.27%
EPS Q2Q%18.62%
EPS Next Y17.04%
EPS Next 2Y15.03%
EPS Next 3Y14.81%
EPS Next 5Y13.41%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y17.95%
Revenue growth 5Y8.79%
Sales Q2Q%10.76%
Revenue Next Year9.39%
Revenue Next 2Y9.17%
Revenue Next 3Y9.04%
Revenue Next 5Y7.5%
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 5 / 10 to AEC1.DE.
Can you provide the valuation status for AMERICAN EXPRESS CO?
ChartMill assigns a valuation rating of 3 / 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 4 / 10 and the dividend payout ratio is 21.11%.