AMERICAN EXPRESS CO (AEC1.DE) Stock Fundamental Analysis
Europe - FRA:AEC1 - US0258161092 - Common Stock
304.85 EUR
-3.1 (-1.01%)
AEC1 gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 10 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 correct valuation and a medium growth rate.
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.
In the past 5 years AEC1 has always 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 90.00% of its industry peers.
With an excellent Return On Equity value of 32.12%, AEC1 belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
With a decent Return On Invested Capital value of 3.77%, AEC1 is doing good in the industry, outperforming 80.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for AEC1 is in line with the industry average of 4.43%.
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 in the better half of the industry: AEC1 outperforms 80.00% of its industry peers.
In the last couple of years the Profit Margin of AEC1 has remained more or less at the same level.
With an excellent Operating Margin value of 17.76%, AEC1 belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
AEC1's Operating Margin has been stable in the last couple of years.
AEC1 has a Gross Margin of 61.93%. This is comparable to the rest of the industry: AEC1 outperforms 60.00% of its industry peers.
In the last couple of years the Gross Margin of AEC1 has remained more or less at the same level.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AEC1 is destroying value.
Compared to 1 year ago, AEC1 has less shares outstanding
AEC1 has less shares outstanding than it did 5 years ago.
The debt/assets ratio for AEC1 is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.86, we must say that AEC1 is in the distress zone and has some risk of bankruptcy.
AEC1's Altman-Z score of 0.86 is fine compared to the rest of the industry. AEC1 outperforms 70.00% of its industry peers.
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.
AEC1 has a Debt to FCF ratio of 11.04. This is comparable to the rest of the industry: AEC1 outperforms 60.00% 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 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.45 | ||
| Debt/FCF | 11.04 | ||
| Altman-Z | 0.86 |
ROIC/WACC0.4
WACC9.52%
2.3 Liquidity
A Current Ratio of 0.68 indicates that AEC1 may have some problems paying its short term obligations.
AEC1's Current ratio of 0.68 is in line compared to the rest of the industry. AEC1 outperforms 50.00% of its industry peers.
A Quick Ratio of 0.68 indicates that AEC1 may have some problems paying its short term obligations.
AEC1 has a Quick ratio (0.68) which is in line with its industry peers.
| 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 15.24%, which is quite good.
The Earnings Per Share has been growing by 10.27% on average over the past years. This is quite good.
Looking at the last year, AEC1 shows a small growth in Revenue. The Revenue has grown by 4.37% in the last year.
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
Based on estimates for the next years, AEC1 will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.40% on average per year.
AEC1 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.38% yearly.
EPS Next Y16.89%
EPS Next 2Y14.8%
EPS Next 3Y14.62%
EPS Next 5Y10.4%
Revenue Next Year9.39%
Revenue Next 2Y9.13%
Revenue Next 3Y8.92%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 23.84, AEC1 is valued on the expensive side.
AEC1's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 25.56. AEC1 is around the same levels.
The Price/Forward Earnings ratio is 20.18, which indicates a rather expensive current valuation of AEC1.
AEC1's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of AEC1 to the average of the S&P500 Index (34.62), we can say AEC1 is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.84 | ||
| Fwd PE | 20.18 |
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 cheaper than the industry average as 70.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.91 | ||
| EV/EBITDA | 16.6 |
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 14.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.41
PEG (5Y)2.32
EPS Next 2Y14.8%
EPS Next 3Y14.62%
5. Dividend
5.1 Amount
With a yearly dividend of 0.90%, AEC1 is not a good candidate for dividend investing.
AEC1's Dividend Yield is a higher than the industry average which is at 2.85.
Compared to an average S&P500 Dividend Yield of 2.44, AEC1's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.9% |
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 2Y14.8%
EPS Next 3Y14.62%
FRA:AEC1 (11/17/2025, 7:00:00 PM)
304.85
-3.1 (-1.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners65.31%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap210.00B
Revenue(TTM)75.91B
Net Income(TTM)10.41B
Analysts68.89
Price Target303.21 (-0.54%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.9% |
Yearly Dividend2.41
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)8.48%
PT rev (3m)8.52%
EPS NQ rev (1m)-1.57%
EPS NQ rev (3m)-0.92%
EPS NY rev (1m)0.85%
EPS NY rev (3m)1.43%
Revenue NQ rev (1m)0.86%
Revenue NQ rev (3m)0.86%
Revenue NY rev (1m)0.77%
Revenue NY rev (3m)0.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.84 | ||
| Fwd PE | 20.18 | ||
| P/S | 3.22 | ||
| P/FCF | 12.91 | ||
| P/OCF | 11.57 | ||
| P/B | 7.55 | ||
| P/tB | 7.55 | ||
| EV/EBITDA | 16.6 |
EPS(TTM)12.79
EY4.2%
EPS(NY)15.11
Fwd EY4.96%
FCF(TTM)23.61
FCFY7.74%
OCF(TTM)26.35
OCFY8.64%
SpS94.6
BVpS40.4
TBVpS40.4
PEG (NY)1.41
PEG (5Y)2.32
Graham Number107.83
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 | 0.86 |
F-Score6
WACC9.52%
ROIC/WACC0.4
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 Y16.89%
EPS Next 2Y14.8%
EPS Next 3Y14.62%
EPS Next 5Y10.4%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y17.95%
Revenue growth 5Y8.79%
Sales Q2Q%10.76%
Revenue Next Year9.39%
Revenue Next 2Y9.13%
Revenue Next 3Y8.92%
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 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 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 23.84 and the Price/Book (PB) ratio is 7.55.
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%.