AMERICAN EXPRESS CO (AEC1.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:AEC1 • US0258161092
300.9 EUR
-4.25 (-1.39%)
Last: Feb 9, 2026, 07:00 PM
We assign a fundamental rating of 4 out of 10 to AEC1. AEC1 was compared to 10 industry peers in the Consumer Finance industry. AEC1 has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, AEC1 is valued expensive at the moment.
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.
- In the past 5 years AEC1 has always been profitable.
- AEC1 had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- AEC1 has a better Return On Assets (3.50%) than 90.00% of its industry peers.
- AEC1 has a better Return On Equity (32.12%) than 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
- AEC1 has a Profit Margin (13.58%) which is comparable to the rest of the 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.
- With a Gross Margin value of 61.32%, AEC1 perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
- 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
- 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.
2.2 Solvency
- Based on the Altman-Z score of 0.87, we must say that AEC1 is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.87, AEC1 is in the better half of 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 (11.04) which is in line with its industry peers.
- A Debt/Equity ratio of 6.45 is on the high side and indicates that AEC1 has dependencies on debt financing.
- The Debt to Equity ratio of AEC1 (6.45) is worse than 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
- 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.
- 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
- 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.
- Measured over the past years, AEC1 shows a very strong growth in Earnings Per Share. The EPS has been growing by 32.56% on average per year.
- Looking at the last year, AEC1 shows a small growth in Revenue. The Revenue has grown by 6.60% in the last year.
- Measured over the past years, AEC1 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
- 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.
- 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.
- 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
- Based on the Price/Earnings ratio of 23.06, 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 28.06, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 20.06, AEC1 is valued on the expensive side.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of AEC1 indicates a slightly more expensive valuation: AEC1 is more expensive than 70.00% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.86, AEC1 is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.06 | ||
| Fwd PE | 20.06 |
4.2 Price Multiples
- AEC1's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. AEC1 is cheaper than 80.00% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, AEC1 is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.91 | ||
| EV/EBITDA | 16.66 |
4.3 Compensation for Growth
- The 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.
- AEC1's earnings are expected to grow with 14.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.54
PEG (5Y)0.71
EPS Next 2Y14.64%
EPS Next 3Y14.06%
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 1.41, 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 1.80.
| 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, 7:00:00 PM)
300.9
-4.25 (-1.39%)
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 Cap207.27B
Revenue(TTM)78.41B
Net Income(TTM)10.41B
Analysts68.89
Price Target322.8 (7.28%)
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 | 23.06 | ||
| Fwd PE | 20.06 | ||
| P/S | 3.19 | ||
| P/FCF | 12.91 | ||
| P/OCF | 11.56 | ||
| P/B | 7.54 | ||
| P/tB | 7.54 | ||
| EV/EBITDA | 16.66 |
EPS(TTM)13.05
EY4.34%
EPS(NY)15
Fwd EY4.99%
FCF(TTM)23.31
FCFY7.75%
OCF(TTM)26.02
OCFY8.65%
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 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%.