AMERICAN EXPRESS CO (AEC1.DE) Fundamental Analysis & Valuation

FRA:AEC1 • US0258161092

Current stock price

255.95 EUR
-1.5 (-0.58%)
Last:

This AEC1.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. AEC1.DE Profitability Analysis

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 each 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 has a Return On Assets of 3.57%. This is amongst the best in the industry. AEC1 outperforms 87.50% of its industry peers.
  • Looking at the Return On Equity, with a value of 31.97%, AEC1 belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • The Return On Invested Capital of AEC1 (3.79%) is better than 62.50% of its industry peers.
  • AEC1 had an Average Return On Invested Capital over the past 3 years of 3.68%. This is below the industry average of 6.46%.
  • The 3 year average ROIC (3.68%) for AEC1 is below the current ROIC(3.79%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.57%
ROE 31.97%
ROIC 3.79%
ROA(3y)3.47%
ROA(5y)3.57%
ROE(3y)31.47%
ROE(5y)32.01%
ROIC(3y)3.68%
ROIC(5y)3.82%
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 decent Profit Margin value of 13.78%, AEC1 is doing good in the industry, outperforming 62.50% of the companies in the same industry.
  • AEC1's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 17.73%, AEC1 is doing good in the industry, outperforming 75.00% of the companies in the same industry.
  • In the last couple of years the Operating Margin of AEC1 has grown nicely.
  • With a decent Gross Margin value of 61.51%, AEC1 is doing good in the industry, outperforming 62.50% of the companies in the same industry.
  • AEC1's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 17.73%
PM (TTM) 13.78%
GM 61.51%
OM growth 3Y-0.05%
OM growth 5Y9.58%
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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3

2. AEC1.DE Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AEC1 is destroying value.
  • The number of shares outstanding for AEC1 has been reduced compared to 1 year ago.
  • The number of shares outstanding for AEC1 has been reduced compared to 5 years ago.
  • The debt/assets ratio for AEC1 has remained at the same level compared to a year ago.
AEC1.DE Yearly Shares OutstandingAEC1.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 100B 200B 300B

2.2 Solvency

  • Based on the Altman-Z score of 0.75, 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 0.75, AEC1 belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
  • AEC1 has a debt to FCF ratio of 13.14. This is a negative value and a sign of low solvency as AEC1 would need 13.14 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 13.14, AEC1 perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • AEC1 has a Debt/Equity ratio of 6.28. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 6.28, AEC1 is not doing good in the industry: 87.50% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 6.28
Debt/FCF 13.14
Altman-Z 0.75
ROIC/WACC0.58
WACC6.59%
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 2025 10B 20B 30B 40B 50B

2.3 Liquidity

  • AEC1 has a Current Ratio of 0.65. 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 0.65 is in line compared to the rest of the industry. AEC1 outperforms 50.00% of its industry peers.
  • A Quick Ratio of 0.65 indicates that AEC1 may have some problems paying its short term obligations.
  • The Quick ratio of AEC1 (0.65) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.65
Quick Ratio 0.65
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 2025 50B 100B 150B

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6

3. AEC1.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 15.28% over the past year.
  • The Earnings Per Share has been growing by 32.56% on average over the past years. This is a very strong growth
  • The Revenue has been growing slightly by 5.57% in the past 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)5.57%
Revenue growth 3Y11.76%
Revenue growth 5Y15.25%
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 8.10% on average over the next years. This is quite good.
EPS Next Y15.31%
EPS Next 2Y14.88%
EPS Next 3Y14.39%
EPS Next 5Y12.95%
Revenue Next Year9.61%
Revenue Next 2Y9.21%
Revenue Next 3Y8.8%
Revenue Next 5Y8.1%

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.
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 2030 20B 40B 60B 80B 100B
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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4

4. AEC1.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • AEC1 is valuated rather expensively with a Price/Earnings ratio of 19.19.
  • 62.50% of the companies in the same industry are more expensive than AEC1, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, AEC1 is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 16.64, the valuation of AEC1 can be described as correct.
  • Based on the Price/Forward Earnings ratio, AEC1 is valued a bit more expensive than 62.50% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of AEC1 to the average of the S&P500 Index (22.19), we can say AEC1 is valued slightly cheaper.
Industry RankSector Rank
PE 19.19
Fwd PE 16.64
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

4.2 Price Multiples

  • 62.50% of the companies in the same industry are more expensive than AEC1, based on the Enterprise Value to EBITDA ratio.
  • 62.50% of the companies in the same industry are cheaper than AEC1, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 12.67
EV/EBITDA 13.73
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.
  • 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 14.39% in the coming years.
PEG (NY)1.25
PEG (5Y)0.59
EPS Next 2Y14.88%
EPS Next 3Y14.39%

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5

5. AEC1.DE Dividend Analysis

5.1 Amount

  • AEC1 has a Yearly Dividend Yield of 1.29%.
  • In the last 3 months the price of AEC1 has falen by -20.92%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 1.99, AEC1 pays a bit more dividend than its industry peers.
  • AEC1's Dividend Yield is slightly below the S&P500 average, which is at 1.90.
Industry RankSector Rank
Dividend Yield 1.29%

5.2 History

  • The dividend of AEC1 is nicely growing with an annual growth rate of 12.38%!
Dividend Growth(5Y)12.38%
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

  • 21.22% of the earnings are spent on dividend by AEC1. This is a low number and sustainable payout ratio.
  • The dividend of AEC1 is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP21.22%
EPS Next 2Y14.88%
EPS Next 3Y14.39%
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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AEC1.DE Fundamentals: All Metrics, Ratios and Statistics

AMERICAN EXPRESS CO

FRA:AEC1 (3/27/2026, 7:00:00 PM)

255.95

-1.5 (-0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-30
Earnings (Next)04-24
Inst Owners64.73%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap175.74B
Revenue(TTM)77.65B
Net Income(TTM)10.70B
Analysts70.29
Price Target328.04 (28.17%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.29%
Yearly Dividend2.83
Dividend Growth(5Y)12.38%
DP21.22%
Div Incr Years3
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.67%
Min EPS beat(2)-1.23%
Max EPS beat(2)2.58%
EPS beat(4)3
Avg EPS beat(4)2.32%
Min EPS beat(4)-1.23%
Max EPS beat(4)4.09%
EPS beat(8)6
Avg EPS beat(8)3.96%
EPS beat(12)8
Avg EPS beat(12)2.71%
EPS beat(16)11
Avg EPS beat(16)2.65%
Revenue beat(2)1
Avg Revenue beat(2)0.2%
Min Revenue beat(2)-0.68%
Max Revenue beat(2)1.09%
Revenue beat(4)1
Avg Revenue beat(4)-0.14%
Min Revenue beat(4)-0.81%
Max Revenue beat(4)1.09%
Revenue beat(8)1
Avg Revenue beat(8)-0.76%
Revenue beat(12)2
Avg Revenue beat(12)-0.17%
Revenue beat(16)6
Avg Revenue beat(16)1.41%
PT rev (1m)1.62%
PT rev (3m)6.88%
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)-0.15%
EPS NY rev (1m)0.31%
EPS NY rev (3m)0.58%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)0.34%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)0.76%
Valuation
Industry RankSector Rank
PE 19.19
Fwd PE 16.64
P/S 2.61
P/FCF 12.67
P/OCF 11
P/B 6.06
P/tB 6.06
EV/EBITDA 13.73
EPS(TTM)13.34
EY5.21%
EPS(NY)15.38
Fwd EY6.01%
FCF(TTM)20.2
FCFY7.89%
OCF(TTM)23.26
OCFY9.09%
SpS98.01
BVpS42.25
TBVpS42.25
PEG (NY)1.25
PEG (5Y)0.59
Graham Number112.61
Profitability
Industry RankSector Rank
ROA 3.57%
ROE 31.97%
ROCE 10.47%
ROIC 3.79%
ROICexc 4.54%
ROICexgc 5.05%
OM 17.73%
PM (TTM) 13.78%
GM 61.51%
FCFM 20.61%
ROA(3y)3.47%
ROA(5y)3.57%
ROE(3y)31.47%
ROE(5y)32.01%
ROIC(3y)3.68%
ROIC(5y)3.82%
ROICexc(3y)4.43%
ROICexc(5y)4.52%
ROICexgc(3y)4.73%
ROICexgc(5y)4.86%
ROCE(3y)10.22%
ROCE(5y)10.27%
ROICexgc growth 3Y2.16%
ROICexgc growth 5Y14.46%
ROICexc growth 3Y2.41%
ROICexc growth 5Y15.17%
OM growth 3Y-0.05%
OM growth 5Y9.58%
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 6.28
Debt/FCF 13.14
Debt/EBITDA 13.52
Cap/Depr 136.47%
Cap/Sales 3.12%
Interest Coverage 1.72
Cash Conversion 118.53%
Profit Quality 149.55%
Current Ratio 0.65
Quick Ratio 0.65
Altman-Z 0.75
F-Score6
WACC6.59%
ROIC/WACC0.58
Cap/Depr(3y)115.05%
Cap/Depr(5y)110.14%
Cap/Sales(3y)2.7%
Cap/Sales(5y)3%
Profit Quality(3y)158.99%
Profit Quality(5y)180.43%
High Growth Momentum
Growth
EPS 1Y (TTM)15.28%
EPS 3Y16.08%
EPS 5Y32.56%
EPS Q2Q%16.12%
EPS Next Y15.31%
EPS Next 2Y14.88%
EPS Next 3Y14.39%
EPS Next 5Y12.95%
Revenue 1Y (TTM)5.57%
Revenue growth 3Y11.76%
Revenue growth 5Y15.25%
Sales Q2Q%10.48%
Revenue Next Year9.61%
Revenue Next 2Y9.21%
Revenue Next 3Y8.8%
Revenue Next 5Y8.1%
EBIT growth 1Y11.18%
EBIT growth 3Y11.71%
EBIT growth 5Y26.29%
EBIT Next Year-4.41%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y31.83%
FCF growth 3Y-5.93%
FCF growth 5Y31.22%
OCF growth 1Y31.16%
OCF growth 3Y-4.38%
OCF growth 5Y26.94%

AMERICAN EXPRESS CO / AEC1.DE Fundamental Analysis 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 4 / 10 to AMERICAN EXPRESS CO (AEC1.DE). This can be considered as Fairly Valued.


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 3 / 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 21.22%.