AMERICAN EXPRESS CO (AEC1.DE) Stock Fundamental Analysis

FRA:AEC1 • US0258161092

284.85 EUR
-7 (-2.4%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Overall AEC1 gets a fundamental rating of 4 out of 10. We evaluated AEC1 against 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. While showing a medium growth rate, AEC1 is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year AEC1 was profitable.
  • In the past year AEC1 had a positive cash flow from operations.
  • In the past 5 years AEC1 has always been 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 2025 5B 10B 15B 20B

1.2 Ratios

  • AEC1's Return On Assets of 3.50% is amongst the best of the industry. AEC1 outperforms 90.00% 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.
  • AEC1's Return On Invested Capital of 3.74% is fine compared to the rest of the industry. AEC1 outperforms 80.00% of its industry peers.
Industry RankSector 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
AEC1.DE Yearly ROA, ROE, ROICAEC1.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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.
  • AEC1's Profit Margin has improved in the last couple of years.
  • AEC1 has a Operating Margin of 17.59%. This is amongst the best in the industry. AEC1 outperforms 90.00% of its industry peers.
  • In the last couple of years the Operating Margin of AEC1 has grown nicely.
  • 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 RankSector 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%
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 2025 20 40 60

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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.
  • AEC1 has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

  • Based on the Altman-Z score of 0.83, we must say that AEC1 is in the distress zone and has some risk of bankruptcy.
  • With a decent Altman-Z score value of 0.83, AEC1 is doing good in the industry, outperforming 80.00% of the companies in the same industry.
  • The Debt to FCF ratio of AEC1 is 11.04, which is on the high side as it means it would take AEC1, 11.04 years of fcf income to pay off all of its debts.
  • AEC1 has a Debt to FCF ratio of 11.04. This is comparable to the rest of the industry: AEC1 outperforms 50.00% of its industry peers.
  • A Debt/Equity ratio of 6.45 is on the high side and indicates that AEC1 has dependencies on debt financing.
  • AEC1's Debt to Equity ratio of 6.45 is on the low side compared to the rest of the industry. AEC1 is outperformed by 90.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.45
Debt/FCF 11.04
Altman-Z 0.83
ROIC/WACC0.55
WACC6.84%
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

  • 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's Current ratio of 0.68 is in line compared 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 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

5

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.
  • AEC1 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, AEC1 shows a small growth in Revenue. The Revenue has grown by 6.60% in the last year.
  • AEC1 shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.25% yearly.
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

  • AEC1 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.95% yearly.
  • The Revenue is expected to grow by 7.40% on average over the next years.
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 5Y7.4%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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.
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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2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 21.96, the valuation of AEC1 can be described as rather expensive.
  • AEC1's Price/Earnings 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.
  • When comparing the Price/Earnings ratio of AEC1 to the average of the S&P500 Index (26.68), we can say AEC1 is valued inline with the index average.
  • The Price/Forward Earnings ratio is 19.10, which indicates a rather expensive current valuation of AEC1.
  • AEC1's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. AEC1 is more expensive than 70.00% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of AEC1 to the average of the S&P500 Index (28.06), we can say AEC1 is valued slightly cheaper.
Industry RankSector Rank
PE 21.96
Fwd PE 19.1
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of AEC1 indicates a somewhat cheap valuation: AEC1 is cheaper than 80.00% of the companies listed 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 60.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 12.25
EV/EBITDA 15.61
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.
  • A more expensive valuation may be justified as AEC1's earnings are expected to grow with 14.06% in the coming years.
PEG (NY)1.47
PEG (5Y)0.67
EPS Next 2Y14.64%
EPS Next 3Y14.06%

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

5

5. Dividend

5.1 Amount

  • AEC1 has a yearly dividend return of 0.96%, which is pretty low.
  • Compared to an average industry Dividend Yield of 1.57, AEC1 pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.84, AEC1's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.96%

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

  • 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 2Y14.64%
EPS Next 3Y14.06%
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 2025 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 (2/13/2026, 7:00:00 PM)

284.85

-7 (-2.4%)

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 Cap195.58B
Revenue(TTM)78.41B
Net Income(TTM)10.41B
Analysts70
Price Target322.8 (13.32%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.96%
Yearly Dividend2.37
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)6.46%
EPS NQ rev (1m)0.02%
EPS NQ rev (3m)-0.88%
EPS NY rev (1m)0.16%
EPS NY rev (3m)0.55%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)0.24%
Revenue NY rev (1m)0.34%
Revenue NY rev (3m)0.41%
Valuation
Industry RankSector Rank
PE 21.96
Fwd PE 19.1
P/S 3.03
P/FCF 12.25
P/OCF 10.97
P/B 7.16
P/tB 7.16
EV/EBITDA 15.61
EPS(TTM)12.97
EY4.55%
EPS(NY)14.91
Fwd EY5.24%
FCF(TTM)23.26
FCFY8.16%
OCF(TTM)25.95
OCFY9.11%
SpS94.13
BVpS39.8
TBVpS39.8
PEG (NY)1.47
PEG (5Y)0.67
Graham Number107.77
Profitability
Industry RankSector 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 RankSector 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 0.83
F-Score6
WACC6.84%
ROIC/WACC0.55
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 5Y7.4%
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 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 6 / 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%.