AMERICAN EXPRESS CO (AEC1.DE) Stock Fundamental Analysis
FRA:AEC1 • US0258161092
291.05 EUR
-10.6 (-3.51%)
Last: Feb 12, 2026, 05:07 PM
AEC1 gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals 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.
1. Profitability
1.1 Basic Checks
- AEC1 had positive earnings in the past year.
- In the past year AEC1 had a positive cash flow from operations.
- Each year in the past 5 years AEC1 has been profitable.
- Of the past 5 years AEC1 4 years 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.
- AEC1 has a better Return On Invested Capital (3.74%) than 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
- The Profit Margin of AEC1 (13.58%) is comparable to the rest of the industry.
- AEC1's Profit Margin has improved in the last couple of years.
- The Operating Margin of AEC1 (17.59%) is better than 90.00% of its industry peers.
- In the last couple of years the Operating Margin of AEC1 has grown nicely.
- Looking at the Gross Margin, with a value of 61.32%, AEC1 is in line with its industry, 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
- 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 better Altman-Z score (0.87) than 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.
- AEC1's Debt to FCF ratio of 11.04 is in line compared 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 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/WACC0.54
WACC6.96%
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 (0.68) which is comparable to the rest of the industry.
- 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 (0.68) which is comparable to the rest of the industry.
| 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.
- 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%.
- 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
- 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.
- AEC1 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.04% yearly.
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 22.51.
- AEC1's Price/Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 27.67, AEC1 is valued at the same level.
- Based on the Price/Forward Earnings ratio of 19.58, the valuation of AEC1 can be described as rather expensive.
- Based on the Price/Forward Earnings ratio, AEC1 is valued a bit more expensive than the industry average as 70.00% of the companies are valued more cheaply.
- The average S&P500 Price/Forward Earnings ratio is at 27.69. AEC1 is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.51 | ||
| Fwd PE | 19.58 |
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.
- 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 | 12.6 | ||
| EV/EBITDA | 16.61 |
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.
- AEC1's earnings are expected to grow with 14.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.51
PEG (5Y)0.69
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 1.80.
| 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
- 21.11% of the earnings are spent on dividend by AEC1. This is a low number and 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 (2/12/2026, 5:07:10 PM)
291.05
-10.6 (-3.51%)
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 Cap200.49B
Revenue(TTM)78.41B
Net Income(TTM)10.41B
Analysts68.89
Price Target322.8 (10.91%)
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 | 22.51 | ||
| Fwd PE | 19.58 | ||
| P/S | 3.11 | ||
| P/FCF | 12.6 | ||
| P/OCF | 11.29 | ||
| P/B | 7.36 | ||
| P/tB | 7.36 | ||
| EV/EBITDA | 16.61 |
EPS(TTM)12.93
EY4.44%
EPS(NY)14.87
Fwd EY5.11%
FCF(TTM)23.11
FCFY7.94%
OCF(TTM)25.79
OCFY8.86%
SpS93.53
BVpS39.55
TBVpS39.55
PEG (NY)1.51
PEG (5Y)0.69
Graham Number107.26
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
WACC6.96%
ROIC/WACC0.54
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%.