AMERICAN EXPRESS CO (AEC1.DE) Stock Fundamental Analysis

FRA:AEC1 • US0258161092

266.1 EUR
-16.95 (-5.99%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Overall AEC1 gets a fundamental rating of 5 out of 10. We evaluated AEC1 against 8 industry peers in the Consumer Finance industry. While AEC1 has a great profitability rating, there are quite some concerns on its financial health. AEC1 has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • AEC1 had positive earnings in the past year.
  • AEC1 had a positive operating cash flow in the past year.
  • Each year in the past 5 years AEC1 has 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

  • AEC1's Return On Assets of 3.57% is amongst the best of the industry. AEC1 outperforms 87.50% of its industry peers.
  • Looking at the Return On Equity, with a value of 31.97%, AEC1 belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • With a decent Return On Invested Capital value of 3.79%, AEC1 is doing good in the industry, outperforming 75.00% of the companies in the same industry.
  • AEC1 had an Average Return On Invested Capital over the past 3 years of 3.68%. This is in line with the industry average of 4.91%.
  • 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

  • Looking at the Profit Margin, with a value of 13.65%, AEC1 is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
  • AEC1's Profit Margin has improved in the last couple of years.
  • The Operating Margin of AEC1 (17.56%) is better than 87.50% of its industry peers.
  • AEC1's Operating Margin has improved in the last couple of years.
  • AEC1's Gross Margin of 60.91% is fine compared to the rest of the industry. AEC1 outperforms 62.50% of its industry peers.
  • AEC1's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 17.56%
PM (TTM) 13.65%
GM 60.91%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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
  • AEC1 has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, AEC1 has about the same debt to assets ratio.
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

  • AEC1 has an Altman-Z score of 0.81. This is a bad value and indicates that AEC1 is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.81, AEC1 belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
  • 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's Debt to FCF ratio of 13.14 is in line compared to the rest of the industry. AEC1 outperforms 50.00% of its industry peers.
  • 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: 87.50% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 6.28
Debt/FCF 13.14
Altman-Z 0.81
ROIC/WACC0.58
WACC6.56%
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.
  • AEC1's Quick ratio of 0.65 is in line compared to the rest of the industry. AEC1 outperforms 50.00% of its industry peers.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • AEC1 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.28%, which is quite good.
  • 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

  • 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 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 Year9.64%
Revenue Next 2Y9.29%
Revenue Next 3Y9.02%
Revenue Next 5Y7.4%

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.
  • 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.
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 20B 40B 60B 80B
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. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 20.42 indicates a rather expensive valuation of AEC1.
  • Based on the Price/Earnings ratio, AEC1 is valued a bit cheaper than the industry average as 62.50% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 27.10. AEC1 is valued slightly cheaper when compared to this.
  • AEC1 is valuated rather expensively with a Price/Forward Earnings ratio of 17.77.
  • AEC1's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. AEC1 is more expensive than 62.50% of the companies in the same industry.
  • AEC1's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 20.42
Fwd PE 17.77
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

  • Based on the Enterprise Value to EBITDA ratio, AEC1 is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
  • 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 62.50% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 13.49
EV/EBITDA 15.38
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

  • AEC1's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The excellent 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)1.37
PEG (5Y)0.63
EPS Next 2Y14.64%
EPS Next 3Y14.06%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • AEC1 has a yearly dividend return of 0.96%, which is pretty low.
  • AEC1's Dividend Yield is a higher than the industry average which is at 1.85.
  • Compared to an average S&P500 Dividend Yield of 1.80, AEC1's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.96%

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.
  • The dividend of AEC1 is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP21.22%
EPS Next 2Y14.64%
EPS Next 3Y14.06%
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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AMERICAN EXPRESS CO

FRA:AEC1 (2/27/2026, 7:00:00 PM)

266.1

-16.95 (-5.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-30
Earnings (Next)04-24
Inst Owners65.15%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap182.71B
Revenue(TTM)78.41B
Net Income(TTM)10.70B
Analysts70
Price Target322.8 (21.31%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.96%
Yearly Dividend2.78
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)-0.21%
PT rev (3m)4.71%
EPS NQ rev (1m)0.39%
EPS NQ rev (3m)0.02%
EPS NY rev (1m)0.52%
EPS NY rev (3m)0.55%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)0.35%
Revenue NY rev (1m)0.61%
Revenue NY rev (3m)0.7%
Valuation
Industry RankSector Rank
PE 20.42
Fwd PE 17.77
P/S 2.75
P/FCF 13.49
P/OCF 11.71
P/B 6.45
P/tB 6.45
EV/EBITDA 15.38
EPS(TTM)13.03
EY4.9%
EPS(NY)14.98
Fwd EY5.63%
FCF(TTM)19.73
FCFY7.41%
OCF(TTM)22.72
OCFY8.54%
SpS96.67
BVpS41.27
TBVpS41.27
PEG (NY)1.37
PEG (5Y)0.63
Graham Number109.99
Profitability
Industry RankSector Rank
ROA 3.57%
ROE 31.97%
ROCE 10.47%
ROIC 3.79%
ROICexc 4.54%
ROICexgc 5.05%
OM 17.56%
PM (TTM) 13.65%
GM 60.91%
FCFM 20.41%
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 3.09%
Interest Coverage 1.72
Cash Conversion 118.53%
Profit Quality 149.55%
Current Ratio 0.65
Quick Ratio 0.65
Altman-Z 0.81
F-Score6
WACC6.56%
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 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 Year9.64%
Revenue Next 2Y9.29%
Revenue Next 3Y9.02%
Revenue Next 5Y7.4%
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 FAQ

What is the fundamental rating for AEC1 stock?

ChartMill assigns a fundamental rating of 5 / 10 to AEC1.DE.


Can you provide the valuation status for AMERICAN EXPRESS CO?

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 8 / 10.


What is the financial health of AMERICAN EXPRESS CO (AEC1.DE) stock?

The financial health rating of AMERICAN EXPRESS CO (AEC1.DE) is 3 / 10.


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 21.22%.