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

FRA:AEC1 • US0258161092

Current stock price

262 EUR
+1.9 (+0.73%)
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

  • AEC1 had positive earnings in the past year.
  • In the past year AEC1 had a positive cash flow from operations.
  • In the past 5 years AEC1 has always been profitable.
  • Each year in the past 5 years AEC1 had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of 3.57%, AEC1 belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
  • With an excellent Return On Equity value of 31.97%, AEC1 belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
  • AEC1 has a Return On Invested Capital of 3.79%. This is in the better half of the industry: AEC1 outperforms 66.67% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for AEC1 is below the industry average of 6.01%.
  • 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

  • AEC1's Profit Margin of 13.78% is fine compared to the rest of the industry. AEC1 outperforms 66.67% of its industry peers.
  • In the last couple of years the Profit Margin of AEC1 has grown nicely.
  • AEC1 has a Operating Margin of 17.73%. This is in the better half of the industry: AEC1 outperforms 66.67% of its industry peers.
  • AEC1's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 61.51%, AEC1 is in line with its industry, outperforming 55.56% 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.
  • AEC1 has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, AEC1 has less shares outstanding
  • AEC1 has about the same debt/assets ratio as last year.
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.
  • AEC1 has a better Altman-Z score (0.75) than 77.78% of its industry peers.
  • 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 44.44% of the companies in the same industry.
  • A Debt/Equity ratio of 6.28 is on the high side and indicates that AEC1 has dependencies on debt financing.
  • With a Debt to Equity ratio value of 6.28, AEC1 is not doing good in the industry: 77.78% 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
WACC6.57%
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

  • A Current Ratio of 0.65 indicates that AEC1 may have some problems paying its short term obligations.
  • With a Current ratio value of 0.65, AEC1 perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
  • AEC1 has a Quick 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.
  • 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.
  • 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)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

  • 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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

  • A Price/Earnings ratio of 19.58 indicates a rather expensive valuation of AEC1.
  • AEC1's Price/Earnings ratio is a bit cheaper when compared to the industry. AEC1 is cheaper than 66.67% of the companies in the same industry.
  • AEC1's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.58.
  • Based on the Price/Forward Earnings ratio of 16.97, the valuation of AEC1 can be described as correct.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of AEC1 is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.81, AEC1 is valued a bit cheaper.
Industry RankSector Rank
PE 19.58
Fwd PE 16.97
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

  • AEC1's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. AEC1 is cheaper than 66.67% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of AEC1 indicates a slightly more expensive valuation: AEC1 is more expensive than 66.67% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 12.93
EV/EBITDA 13.82
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 14.39% in the coming years.
PEG (NY)1.28
PEG (5Y)0.6
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 1.27%. Purely for dividend investing, there may be better candidates out there.
  • AEC1's Dividend Yield is a higher than the industry average which is at 2.39.
  • AEC1's Dividend Yield is slightly below the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.27%

5.2 History

  • On average, the dividend of AEC1 grows each year by 12.38%, which is quite nice.
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.
  • AEC1's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept 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 (4/1/2026, 5:18:51 PM)

262

+1.9 (+0.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-30
Earnings (Next)04-23
Inst Owners64.73%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap179.89B
Revenue(TTM)77.65B
Net Income(TTM)10.70B
Analysts70.29
Price Target328.04 (25.21%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.27%
Yearly Dividend2.84
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)0%
PT rev (3m)4.68%
EPS NQ rev (1m)-0.06%
EPS NQ rev (3m)-0.28%
EPS NY rev (1m)0.31%
EPS NY rev (3m)0.47%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)0.27%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)0.68%
Valuation
Industry RankSector Rank
PE 19.58
Fwd PE 16.97
P/S 2.66
P/FCF 12.93
P/OCF 11.22
P/B 6.18
P/tB 6.18
EV/EBITDA 13.82
EPS(TTM)13.38
EY5.11%
EPS(NY)15.43
Fwd EY5.89%
FCF(TTM)20.27
FCFY7.74%
OCF(TTM)23.34
OCFY8.91%
SpS98.36
BVpS42.4
TBVpS42.4
PEG (NY)1.28
PEG (5Y)0.6
Graham Number112.98
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
WACC6.57%
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.


What is the valuation status of AMERICAN EXPRESS CO (AEC1.DE) stock?

ChartMill assigns a valuation rating of 4 / 10 to AMERICAN EXPRESS CO (AEC1.DE). This can be considered as Fairly Valued.


What is the profitability of AEC1 stock?

AMERICAN EXPRESS CO (AEC1.DE) has a profitability rating of 7 / 10.


Can you provide the PE and PB ratios for AEC1 stock?

The Price/Earnings (PE) ratio for AMERICAN EXPRESS CO (AEC1.DE) is 19.58 and the Price/Book (PB) ratio is 6.18.


What is the expected EPS growth for AMERICAN EXPRESS CO (AEC1.DE) stock?

The Earnings per Share (EPS) of AMERICAN EXPRESS CO (AEC1.DE) is expected to grow by 15.31% in the next year.