AMERICAN EXPRESS CO (AEC1.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:AEC1 • US0258161092
300 EUR
-5.15 (-1.69%)
Last: Feb 9, 2026, 05:29 PM
Taking everything into account, AEC1 scores 4 out of 10 in our fundamental rating. AEC1 was compared to 10 industry peers in the Consumer Finance industry. While AEC1 is still in line with the averages on profitability rating, there are concerns on its financial health. AEC1 is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- AEC1 had positive earnings in the past year.
- AEC1 had a positive operating cash flow in the past year.
- Each year in the past 5 years AEC1 has been profitable.
- AEC1 had a positive operating cash flow in 4 of the past 5 years.
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.
- AEC1 has a Return On Equity of 32.12%. This is amongst the best in the industry. AEC1 outperforms 100.00% of its industry peers.
- AEC1 has a Return On Invested Capital of 3.74%. This is in the better half of the industry: AEC1 outperforms 80.00% of 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
- With a Profit Margin value of 13.58%, AEC1 perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
- In the last couple of years the Profit Margin of AEC1 has grown nicely.
- AEC1's Operating Margin of 17.59% is amongst the best of the industry. AEC1 outperforms 90.00% of its industry peers.
- AEC1's Operating Margin has improved in the last couple of years.
- AEC1's Gross Margin of 61.32% is in line compared to the rest of the industry. AEC1 outperforms 60.00% of its industry peers.
- In the last couple of years the Gross Margin of AEC1 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
2.2 Solvency
- AEC1 has an Altman-Z score of 0.87. This is a bad value and indicates that AEC1 is not financially healthy and even has some risk of bankruptcy.
- AEC1 has a Altman-Z score of 0.87. This is in the better half of the industry: AEC1 outperforms 80.00% 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 50.00% of the companies in the same 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 Debt to Equity ratio of 6.45. This is amonst the worse of the industry: AEC1 underperforms 90.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.45 | ||
| Debt/FCF | 11.04 | ||
| Altman-Z | 0.87 |
ROIC/WACC0.53
WACC7.03%
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.
- A Quick Ratio of 0.68 indicates that AEC1 may have some problems paying its short term obligations.
- AEC1's Quick ratio of 0.68 is in line compared 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 15.28% over the past year.
- AEC1 shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 32.56% yearly.
- AEC1 shows a small growth in Revenue. In the last year, the Revenue has grown by 6.60%.
- The Revenue has been growing by 15.25% on average over the past years. This is quite good.
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, AEC1 will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.95% on average per year.
- Based on estimates for the next years, AEC1 will show a small growth in Revenue. The Revenue will grow by 7.04% on average per year.
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- AEC1 is valuated rather expensively with a Price/Earnings ratio of 22.99.
- Compared to the rest of the industry, the Price/Earnings ratio of AEC1 is on the same level as its industry peers.
- The average S&P500 Price/Earnings ratio is at 27.93. AEC1 is around the same levels.
- A Price/Forward Earnings ratio of 20.00 indicates a rather expensive valuation of AEC1.
- 70.00% 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 valuation a bit cheaper than the S&P500 average which is at 27.77.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.99 | ||
| Fwd PE | 20 |
4.2 Price Multiples
- 80.00% of the companies in the same industry are more expensive than AEC1, based on the Enterprise Value to EBITDA ratio.
- AEC1's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. AEC1 is more expensive than 60.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.87 | ||
| EV/EBITDA | 16.66 |
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 14.06% in the coming years.
PEG (NY)1.54
PEG (5Y)0.71
EPS Next 2Y14.64%
EPS Next 3Y14.06%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.92%, AEC1 is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 1.41, AEC1 pays a bit more dividend than its industry peers.
- With a Dividend Yield of 0.92, AEC1 pays less dividend than the S&P500 average, which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.92% |
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
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 2Y14.64%
EPS Next 3Y14.06%
FRA:AEC1 (2/9/2026, 5:29:19 PM)
300
-5.15 (-1.69%)
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 ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap206.66B
Revenue(TTM)78.41B
Net Income(TTM)10.41B
Analysts68.89
Price Target322.8 (7.6%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.92% |
Yearly Dividend2.38
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)3.01%
PT rev (3m)5.75%
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 | 22.99 | ||
| Fwd PE | 20 | ||
| P/S | 3.18 | ||
| P/FCF | 12.87 | ||
| P/OCF | 11.53 | ||
| P/B | 7.52 | ||
| P/tB | 7.52 | ||
| EV/EBITDA | 16.66 |
EPS(TTM)13.05
EY4.35%
EPS(NY)15
Fwd EY5%
FCF(TTM)23.31
FCFY7.77%
OCF(TTM)26.02
OCFY8.67%
SpS94.37
BVpS39.9
TBVpS39.9
PEG (NY)1.54
PEG (5Y)0.71
Graham Number108.24
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
WACC7.03%
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 / 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 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 5 / 10 and the dividend payout ratio is 21.11%.