AMERICAN EXPRESS CO (AEC1.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:AEC1 - US0258161092 - Common Stock
321.2 EUR
-2.45 (-0.76%)
Overall AEC1 gets a fundamental rating of 5 out of 10. We evaluated AEC1 against 7 industry peers in the Consumer Finance industry. While AEC1 belongs to the best of the industry regarding profitability, there are concerns on its financial health. AEC1 has a decent growth rate and is not valued too expensively.
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.
In the past 5 years AEC1 always reported a positive cash flow from operatings.
1.2 Ratios
AEC1 has a Return On Assets of 3.50%. This is amongst the best in the industry. AEC1 outperforms 85.71% of its industry peers.
AEC1 has a better Return On Equity (32.12%) than 100.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.77%, AEC1 is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
AEC1 had an Average Return On Invested Capital over the past 3 years of 3.64%. This is in line with the industry average of 4.51%.
The last Return On Invested Capital (3.77%) for AEC1 is above the 3 year average (3.64%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.5% | ||
| ROE | 32.12% | ||
| ROIC | 3.77% |
ROA(3y)3.36%
ROA(5y)3.17%
ROE(3y)30.79%
ROE(5y)28.26%
ROIC(3y)3.64%
ROIC(5y)3.45%
1.3 Margins
AEC1 has a Profit Margin of 13.72%. This is amongst the best in the industry. AEC1 outperforms 85.71% of its industry peers.
In the last couple of years the Profit Margin of AEC1 has remained more or less at the same level.
AEC1 has a better Operating Margin (17.76%) than 85.71% of its industry peers.
AEC1's Operating Margin has been stable in the last couple of years.
AEC1 has a Gross Margin (61.93%) which is comparable to the rest of the industry.
AEC1's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.76% | ||
| PM (TTM) | 13.72% | ||
| GM | 61.93% |
OM growth 3Y-8.78%
OM growth 5Y-0.57%
PM growth 3Y-8.37%
PM growth 5Y-0.22%
GM growth 3Y-2.58%
GM growth 5Y-1.09%
2. Health
2.1 Basic Checks
AEC1 has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, AEC1 has less shares outstanding
Compared to 5 years ago, AEC1 has less shares outstanding
The debt/assets ratio for AEC1 is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.90, we must say that AEC1 is in the distress zone and has some risk of bankruptcy.
AEC1 has a better Altman-Z score (0.90) than 85.71% 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.
Looking at the Debt to FCF ratio, with a value of 11.04, AEC1 is in line with its industry, outperforming 57.14% of the companies in the same industry.
AEC1 has a Debt/Equity ratio of 6.45. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 6.45, AEC1 is doing worse than 85.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.45 | ||
| Debt/FCF | 11.04 | ||
| Altman-Z | 0.9 |
ROIC/WACC0.51
WACC7.38%
2.3 Liquidity
A Current Ratio of 0.68 indicates that AEC1 may have some problems paying its short term obligations.
AEC1 has a Current ratio (0.68) which is in line with its industry peers.
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.
With a Quick ratio value of 0.68, AEC1 perfoms like the industry average, outperforming 42.86% of the companies in the same 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 15.24% over the past year.
The Earnings Per Share has been growing by 10.27% on average over the past years. This is quite good.
AEC1 shows a small growth in Revenue. In the last year, the Revenue has grown by 4.37%.
Measured over the past years, AEC1 shows a quite strong growth in Revenue. The Revenue has been growing by 8.79% on average per year.
EPS 1Y (TTM)15.24%
EPS 3Y10.15%
EPS 5Y10.27%
EPS Q2Q%18.62%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y17.95%
Revenue growth 5Y8.79%
Sales Q2Q%10.76%
3.2 Future
The Earnings Per Share is expected to grow by 10.40% 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 7.38% yearly.
EPS Next Y17.04%
EPS Next 2Y15.03%
EPS Next 3Y14.81%
EPS Next 5Y10.4%
Revenue Next Year9.36%
Revenue Next 2Y9.13%
Revenue Next 3Y8.91%
Revenue Next 5Y7.38%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last 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 stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 25.41 indicates a quite expensive valuation of AEC1.
AEC1's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.92, AEC1 is valued at the same level.
AEC1 is valuated rather expensively with a Price/Forward Earnings ratio of 21.43.
AEC1's Price/Forward Earnings is on the same level as the industry average.
AEC1's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.41 | ||
| Fwd PE | 21.43 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AEC1 is valued a bit cheaper than 71.43% of the companies in the same industry.
AEC1's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.77 | ||
| EV/EBITDA | 17.63 |
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 an outstanding profitability rating, which may justify a higher PE ratio.
AEC1's earnings are expected to grow with 14.81% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.49
PEG (5Y)2.48
EPS Next 2Y15.03%
EPS Next 3Y14.81%
5. Dividend
5.1 Amount
AEC1 has a yearly dividend return of 0.86%, which is pretty low.
AEC1's Dividend Yield is a higher than the industry average which is at 1.97.
With a Dividend Yield of 0.86, AEC1 pays less dividend than the S&P500 average, which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.86% |
5.2 History
On average, the dividend of AEC1 grows each year by 10.33%, which is quite nice.
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 around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP21.11%
EPS Next 2Y15.03%
EPS Next 3Y14.81%
FRA:AEC1 (12/29/2025, 5:21:00 PM)
321.2
-2.45 (-0.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners65.15%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap221.26B
Revenue(TTM)75.91B
Net Income(TTM)10.41B
Analysts68.89
Price Target313.37 (-2.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.86% |
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)1.66%
PT rev (3m)13.89%
EPS NQ rev (1m)0.05%
EPS NQ rev (3m)-0.89%
EPS NY rev (1m)0.13%
EPS NY rev (3m)0.98%
Revenue NQ rev (1m)0.18%
Revenue NQ rev (3m)1.04%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)0.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.41 | ||
| Fwd PE | 21.43 | ||
| P/S | 3.44 | ||
| P/FCF | 13.77 | ||
| P/OCF | 12.34 | ||
| P/B | 8.05 | ||
| P/tB | 8.05 | ||
| EV/EBITDA | 17.63 |
EPS(TTM)12.64
EY3.94%
EPS(NY)14.99
Fwd EY4.67%
FCF(TTM)23.33
FCFY7.26%
OCF(TTM)26.03
OCFY8.11%
SpS93.49
BVpS39.92
TBVpS39.92
PEG (NY)1.49
PEG (5Y)2.48
Graham Number106.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.5% | ||
| ROE | 32.12% | ||
| ROCE | 10.25% | ||
| ROIC | 3.77% | ||
| ROICexc | 4.62% | ||
| ROICexgc | 5.14% | ||
| OM | 17.76% | ||
| PM (TTM) | 13.72% | ||
| GM | 61.93% | ||
| FCFM | 24.95% |
ROA(3y)3.36%
ROA(5y)3.17%
ROE(3y)30.79%
ROE(5y)28.26%
ROIC(3y)3.64%
ROIC(5y)3.45%
ROICexc(3y)4.36%
ROICexc(5y)4.08%
ROICexgc(3y)4.66%
ROICexgc(5y)4.41%
ROCE(3y)9.86%
ROCE(5y)9.06%
ROICexgc growth 3Y-4.54%
ROICexgc growth 5Y1.68%
ROICexc growth 3Y-3.59%
ROICexc growth 5Y1.93%
OM growth 3Y-8.78%
OM growth 5Y-0.57%
PM growth 3Y-8.37%
PM growth 5Y-0.22%
GM growth 3Y-2.58%
GM growth 5Y-1.09%
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 | 2.9% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 138.84% | ||
| Profit Quality | 181.93% | ||
| Current Ratio | 0.68 | ||
| Quick Ratio | 0.68 | ||
| Altman-Z | 0.9 |
F-Score6
WACC7.38%
ROIC/WACC0.51
Cap/Depr(3y)107.59%
Cap/Depr(5y)102%
Cap/Sales(3y)2.77%
Cap/Sales(5y)3.15%
Profit Quality(3y)195.73%
Profit Quality(5y)177.62%
High Growth Momentum
Growth
EPS 1Y (TTM)15.24%
EPS 3Y10.15%
EPS 5Y10.27%
EPS Q2Q%18.62%
EPS Next Y17.04%
EPS Next 2Y15.03%
EPS Next 3Y14.81%
EPS Next 5Y10.4%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y17.95%
Revenue growth 5Y8.79%
Sales Q2Q%10.76%
Revenue Next Year9.36%
Revenue Next 2Y9.13%
Revenue Next 3Y8.91%
Revenue Next 5Y7.38%
EBIT growth 1Y10.4%
EBIT growth 3Y7.6%
EBIT growth 5Y8.16%
EBIT Next Year45.1%
EBIT Next 3Y10%
EBIT Next 5YN/A
FCF growth 1Y1.99%
FCF growth 3Y-2.5%
FCF growth 5Y0.25%
OCF growth 1Y4.53%
OCF growth 3Y-1.37%
OCF growth 5Y0.61%
AMERICAN EXPRESS CO / AEC1.DE 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 for AEC1 stock?
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 8 / 10.
What are the PE and PB ratios of AMERICAN EXPRESS CO (AEC1.DE) stock?
The Price/Earnings (PE) ratio for AMERICAN EXPRESS CO (AEC1.DE) is 25.41 and the Price/Book (PB) ratio is 8.05.
How sustainable is the dividend of AMERICAN EXPRESS CO (AEC1.DE) stock?
The dividend rating of AMERICAN EXPRESS CO (AEC1.DE) is 4 / 10 and the dividend payout ratio is 21.11%.