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

FRA:AEC1 • US0258161092

Current stock price

275.2 EUR
-8 (-2.82%)
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.
  • AEC1 had a positive operating cash flow in the past year.
  • In the past 5 years AEC1 has always been profitable.
  • AEC1 had a positive operating cash flow in each of the past 5 years.
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

  • The Return On Assets of AEC1 (3.57%) is better than 88.89% of its industry peers.
  • With an excellent Return On Equity value of 31.97%, AEC1 belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 3.79%, AEC1 is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for AEC1 is in line with the industry average of 5.55%.
  • The last Return On Invested Capital (3.79%) for AEC1 is above the 3 year average (3.68%), which is a sign of increasing profitability.
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 has a Profit Margin of 13.78%. This is in the better half of the industry: AEC1 outperforms 66.67% of its industry peers.
  • AEC1's Profit Margin has improved in the last couple of years.
  • AEC1 has a Operating Margin of 17.73%. This is in the better half of the industry: AEC1 outperforms 77.78% of its industry peers.
  • AEC1's Operating Margin has improved in the last couple of years.
  • AEC1's Gross Margin of 61.51% is in line compared to the rest of the industry. AEC1 outperforms 55.56% of its industry peers.
  • In the last couple of years the Gross Margin of AEC1 has declined.
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

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AEC1 is destroying value.
  • AEC1 has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for AEC1 has been reduced compared to 5 years ago.
  • 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 0.80, we must say that AEC1 is in the distress zone and has some risk of bankruptcy.
  • AEC1 has a better Altman-Z score (0.80) 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.
  • AEC1 has a Debt to FCF ratio (13.14) which is in line with its industry peers.
  • AEC1 has a Debt/Equity ratio of 6.28. This is a high value indicating a heavy dependency on external financing.
  • AEC1 has a worse Debt to Equity ratio (6.28) than 88.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.28
Debt/FCF 13.14
Altman-Z 0.8
ROIC/WACC0.55
WACC6.89%
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

  • AEC1 has a Current 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.
  • AEC1 has a Current ratio (0.65) which is comparable to the rest of the 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

  • 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.
  • 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.
  • 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)5.57%
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 quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.10% yearly.
EPS Next Y15.31%
EPS Next 2Y14.87%
EPS Next 3Y14.46%
EPS Next 5Y12.95%
Revenue Next Year10.13%
Revenue Next 2Y9.46%
Revenue Next 3Y8.86%
Revenue Next 5Y8.1%

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.
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 20.98 indicates a rather expensive valuation of AEC1.
  • Compared to the rest of the industry, the Price/Earnings ratio of AEC1 is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 27.47. AEC1 is valued slightly cheaper when compared to this.
  • AEC1 is valuated rather expensively with a Price/Forward Earnings ratio of 18.20.
  • Based on the Price/Forward Earnings ratio, AEC1 is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of AEC1 to the average of the S&P500 Index (22.62), we can say AEC1 is valued inline with the index average.
Industry RankSector Rank
PE 20.98
Fwd PE 18.2
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of AEC1 indicates a somewhat cheap valuation: AEC1 is cheaper than 66.67% of the companies listed in the same industry.
  • AEC1's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.84
EV/EBITDA 15.27
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.
  • AEC1 has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as AEC1's earnings are expected to grow with 14.46% in the coming years.
PEG (NY)1.37
PEG (5Y)0.64
EPS Next 2Y14.87%
EPS Next 3Y14.46%

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5

5. AEC1.DE Dividend Analysis

5.1 Amount

  • AEC1 has a Yearly Dividend Yield of 1.17%.
  • Compared to an average industry Dividend Yield of 2.14, AEC1 pays a bit more dividend than its industry peers.
  • AEC1's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.17%

5.2 History

  • The dividend of AEC1 is nicely growing with an annual growth rate of 12.38%!
Dividend Growth(5Y)12.38%
Div Incr Years4
Div Non Decr Years7
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

  • AEC1 pays out 21.22% of its income as dividend. This is a 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 2Y14.87%
EPS Next 3Y14.46%
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 (4/23/2026, 7:00:00 PM)

275.2

-8 (-2.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-30
Earnings (Next)04-23
Inst Owners64.99%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap188.73B
Revenue(TTM)77.65B
Net Income(TTM)10.70B
Analysts70.86
Price Target311.01 (13.01%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.17%
Yearly Dividend2.77
Dividend Growth(5Y)12.38%
DP21.22%
Div Incr Years4
Div Non Decr Years7
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)-5.19%
PT rev (3m)-3.85%
EPS NQ rev (1m)0.5%
EPS NQ rev (3m)0.88%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)0.46%
Revenue NQ rev (1m)0.75%
Revenue NQ rev (3m)0.97%
Revenue NY rev (1m)0.47%
Revenue NY rev (3m)1.08%
Valuation
Industry RankSector Rank
PE 20.98
Fwd PE 18.2
P/S 2.85
P/FCF 13.84
P/OCF 12.02
P/B 6.62
P/tB 6.62
EV/EBITDA 15.27
EPS(TTM)13.12
EY4.77%
EPS(NY)15.12
Fwd EY5.5%
FCF(TTM)19.89
FCFY7.23%
OCF(TTM)22.9
OCFY8.32%
SpS96.51
BVpS41.6
TBVpS41.6
PEG (NY)1.37
PEG (5Y)0.64
Graham Number110.819 (-59.73%)
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 0.8
F-Score6
WACC6.89%
ROIC/WACC0.55
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 2Y14.87%
EPS Next 3Y14.46%
EPS Next 5Y12.95%
Revenue 1Y (TTM)5.57%
Revenue growth 3Y11.76%
Revenue growth 5Y15.25%
Sales Q2Q%10.48%
Revenue Next Year10.13%
Revenue Next 2Y9.46%
Revenue Next 3Y8.86%
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 20.98 and the Price/Book (PB) ratio is 6.62.


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.