AMERICAN EXPRESS CO (AEC1.DE) Stock Fundamental Analysis
FRA:AEC1 • US0258161092
284.85 EUR
-7 (-2.4%)
Last: Feb 13, 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. While AEC1 is still in line with the averages on profitability rating, there are concerns on its financial health. AEC1 is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year AEC1 was profitable.
- AEC1 had a positive operating cash flow in the past year.
- 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
- AEC1's Return On Assets of 3.50% is amongst the best of the industry. AEC1 outperforms 90.00% of its industry peers.
- AEC1's Return On Equity of 32.12% is amongst the best of the industry. AEC1 outperforms 100.00% of its industry peers.
- With a decent Return On Invested Capital value of 3.74%, AEC1 is doing good in the industry, outperforming 80.00% of the companies in the same industry.
| 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
- With a Profit Margin value of 13.58%, AEC1 perfoms like the industry average, outperforming 60.00% of the companies in the same 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.
- 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.
- AEC1's Gross Margin has declined in the last couple of years.
| 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.
- AEC1 has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- AEC1 has an Altman-Z score of 0.83. This is a bad value and indicates that AEC1 is not financially healthy and even 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.
- The Debt to FCF ratio of AEC1 (11.04) is comparable to the rest of the industry.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.45 | ||
| Debt/FCF | 11.04 | ||
| Altman-Z | 0.83 |
ROIC/WACC0.55
WACC6.86%
2.3 Liquidity
- A Current Ratio of 0.68 indicates that AEC1 may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.68, AEC1 is in line with its industry, outperforming 50.00% of the companies in the same 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.
- The Quick ratio of AEC1 (0.68) 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
- The Earnings Per Share has grown by an nice 15.28% over the past year.
- 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.
- 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
- The Earnings Per Share is expected to grow by 12.95% on average over the next years. This is quite good.
- AEC1 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.40% 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 5Y7.4%
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
- The Price/Earnings ratio is 21.96, which indicates a rather expensive current valuation of AEC1.
- Based on the Price/Earnings ratio, AEC1 is valued a bit more expensive than 60.00% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 26.68. AEC1 is around the same levels.
- With a Price/Forward Earnings ratio of 19.10, AEC1 is valued on the expensive side.
- 70.00% of the companies in the same industry are cheaper than AEC1, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 28.06. AEC1 is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.96 | ||
| Fwd PE | 19.1 |
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 | 12.25 | ||
| EV/EBITDA | 15.61 |
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.
- AEC1's earnings are expected to grow with 14.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.47
PEG (5Y)0.67
EPS Next 2Y14.64%
EPS Next 3Y14.06%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.96%, AEC1 is not a good candidate for dividend investing.
- 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 Rank | Sector 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
5.3 Sustainability
- AEC1 pays out 21.11% of its income as dividend. This is a 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%
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 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 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 Rank | Sector 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 Rank | Sector 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 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 | 0.83 |
F-Score6
WACC6.86%
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 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%.