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

FRA:AEC1 • US0258161092

Current stock price

267.3 EUR
-7.9 (-2.87%)
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

  • In the past year AEC1 was profitable.
  • AEC1 had a positive operating cash flow in the past year.
  • AEC1 had positive earnings in each of the past 5 years.
  • 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

  • With an excellent Return On Assets value of 3.59%, AEC1 belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
  • AEC1 has a better Return On Equity (32.61%) than 100.00% of its industry peers.
  • AEC1 has a better Return On Invested Capital (3.79%) than 66.67% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for AEC1 is below the industry average of 5.99%.
  • The 3 year average ROIC (3.69%) for AEC1 is below the current ROIC(3.79%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.59%
ROE 32.61%
ROIC 3.79%
ROA(3y)3.47%
ROA(5y)3.57%
ROE(3y)31.47%
ROE(5y)32.01%
ROIC(3y)3.69%
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 13.94%. This is in the better half of the industry: AEC1 outperforms 66.67% of its industry peers.
  • In the last couple of years the Profit Margin of AEC1 has grown nicely.
  • AEC1 has a Operating Margin of 17.87%. 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 61.03% 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 17.87%
PM (TTM) 13.94%
GM 61.03%
OM growth 3Y-0.8%
OM growth 5Y8.91%
PM growth 3Y0.43%
PM growth 5Y10.94%
GM growth 3Y-2.33%
GM growth 5Y-3.21%
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.
  • Compared to 1 year ago, AEC1 has less shares outstanding
  • The number of shares outstanding for AEC1 has been reduced compared to 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 0.53. 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 0.53, AEC1 is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • AEC1 has a debt to FCF ratio of 15.25. This is a negative value and a sign of low solvency as AEC1 would need 15.25 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 15.25, AEC1 perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
  • AEC1 has a Debt/Equity ratio of 6.42. This is a high value indicating a heavy dependency on external financing.
  • AEC1 has a worse Debt to Equity ratio (6.42) than 88.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.42
Debt/FCF 15.25
Altman-Z 0.53
ROIC/WACC0.55
WACC6.86%
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

  • A Current Ratio of 0.31 indicates that AEC1 may have some problems paying its short term obligations.
  • AEC1's Current ratio of 0.31 is in line compared to the rest of the industry. AEC1 outperforms 44.44% of its industry peers.
  • A Quick Ratio of 0.31 indicates that AEC1 may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.31, AEC1 perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.31
Quick Ratio 0.31
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

  • The Earnings Per Share has grown by an nice 17.35% over the past year.
  • Measured over the past years, AEC1 shows a very strong growth in Earnings Per Share. The EPS has been growing by 32.56% on average per year.
  • AEC1 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.38%.
  • Measured over the past years, AEC1 shows a quite strong growth in Revenue. The Revenue has been growing by 15.96% on average per year.
EPS 1Y (TTM)17.35%
EPS 3Y16.08%
EPS 5Y32.56%
EPS Q2Q%17.58%
Revenue 1Y (TTM)9.38%
Revenue growth 3Y12.6%
Revenue growth 5Y15.96%
Sales Q2Q%11.43%

3.2 Future

  • AEC1 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.49% yearly.
  • The Revenue is expected to grow by 8.10% on average over the next years. This is quite good.
EPS Next Y15.31%
EPS Next 2Y14.87%
EPS Next 3Y14.46%
EPS Next 5Y11.49%
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.
  • 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 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 2030 5 10 15 20 25

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5

4. AEC1.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 19.53, the valuation of AEC1 can be described as rather expensive.
  • Based on the Price/Earnings ratio, AEC1 is valued a bit cheaper than 66.67% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.42, AEC1 is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 15.42, AEC1 is valued correctly.
  • The rest of the industry has a similar Price/Forward Earnings ratio as AEC1.
  • When comparing the Price/Forward Earnings ratio of AEC1 to the average of the S&P500 Index (22.29), we can say AEC1 is valued slightly cheaper.
Industry RankSector Rank
PE 19.53
Fwd PE 15.42
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 66.67% of the companies in the same industry.
  • AEC1's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 14.99
EV/EBITDA 13.74
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.
  • The decent profitability rating of AEC1 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)1.28
PEG (5Y)0.6
EPS Next 2Y14.87%
EPS Next 3Y14.46%

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4

5. AEC1.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.19%, AEC1 has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.35, 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 1.19%

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 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

  • 21.15% of the earnings are spent on dividend by AEC1. This is a low number and sustainable payout ratio.
  • AEC1's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP21.15%
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 (4/24/2026, 7:00:00 PM)

267.3

-7.9 (-2.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)04-23
Earnings (Next)07-24
Inst Owners64.99%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap183.31B
Revenue(TTM)79.54B
Net Income(TTM)11.09B
Analysts70.86
Price Target311.01 (16.35%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.19%
Yearly Dividend2.79
Dividend Growth(5Y)12.38%
DP21.15%
Div Incr Years4
Div Non Decr Years7
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.12%
Min EPS beat(2)-1.23%
Max EPS beat(2)5.48%
EPS beat(4)3
Avg EPS beat(4)2.67%
Min EPS beat(4)-1.23%
Max EPS beat(4)5.48%
EPS beat(8)6
Avg EPS beat(8)3.2%
EPS beat(12)9
Avg EPS beat(12)4.04%
EPS beat(16)11
Avg EPS beat(16)2.31%
Revenue beat(2)1
Avg Revenue beat(2)-0.06%
Min Revenue beat(2)-0.68%
Max Revenue beat(2)0.55%
Revenue beat(4)2
Avg Revenue beat(4)0.2%
Min Revenue beat(4)-0.68%
Max Revenue beat(4)1.09%
Revenue beat(8)2
Avg Revenue beat(8)-0.58%
Revenue beat(12)2
Avg Revenue beat(12)-1.03%
Revenue beat(16)6
Avg Revenue beat(16)0.61%
PT rev (1m)-5.19%
PT rev (3m)-3.85%
EPS NQ rev (1m)0.24%
EPS NQ rev (3m)-0.49%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)0.82%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0.47%
Revenue NY rev (3m)1.06%
Valuation
Industry RankSector Rank
PE 19.53
Fwd PE 15.42
P/S 2.7
P/FCF 14.99
P/OCF 12.29
P/B 6.32
P/tB 6.32
EV/EBITDA 13.74
EPS(TTM)13.69
EY5.12%
EPS(NY)17.34
Fwd EY6.49%
FCF(TTM)17.83
FCFY6.67%
OCF(TTM)21.75
OCFY8.14%
SpS99.04
BVpS42.33
TBVpS42.33
PEG (NY)1.28
PEG (5Y)0.6
Graham Number114.181 (-57.28%)
Profitability
Industry RankSector Rank
ROA 3.59%
ROE 32.61%
ROCE 10.56%
ROIC 3.79%
ROICexc 4.63%
ROICexgc 5.17%
OM 17.87%
PM (TTM) 13.94%
GM 61.03%
FCFM 18.01%
ROA(3y)3.47%
ROA(5y)3.57%
ROE(3y)31.47%
ROE(5y)32.01%
ROIC(3y)3.69%
ROIC(5y)3.82%
ROICexc(3y)4.44%
ROICexc(5y)4.52%
ROICexgc(3y)4.74%
ROICexgc(5y)4.87%
ROCE(3y)10.28%
ROCE(5y)10.3%
ROICexgc growth 3Y2.16%
ROICexgc growth 5Y14.46%
ROICexc growth 3Y2.41%
ROICexc growth 5Y15.17%
OM growth 3Y-0.8%
OM growth 5Y8.91%
PM growth 3Y0.43%
PM growth 5Y10.94%
GM growth 3Y-2.33%
GM growth 5Y-3.21%
F-Score4
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 6.42
Debt/FCF 15.25
Debt/EBITDA 13.62
Cap/Depr 173.51%
Cap/Sales 3.95%
Interest Coverage 250
Cash Conversion 108.97%
Profit Quality 129.2%
Current Ratio 0.31
Quick Ratio 0.31
Altman-Z 0.53
F-Score4
WACC6.86%
ROIC/WACC0.55
Cap/Depr(3y)115.05%
Cap/Depr(5y)110.14%
Cap/Sales(3y)2.73%
Cap/Sales(5y)3.04%
Profit Quality(3y)158.99%
Profit Quality(5y)180.43%
High Growth Momentum
Growth
EPS 1Y (TTM)17.35%
EPS 3Y16.08%
EPS 5Y32.56%
EPS Q2Q%17.58%
EPS Next Y15.31%
EPS Next 2Y14.87%
EPS Next 3Y14.46%
EPS Next 5Y11.49%
Revenue 1Y (TTM)9.38%
Revenue growth 3Y12.6%
Revenue growth 5Y15.96%
Sales Q2Q%11.43%
Revenue Next Year10.13%
Revenue Next 2Y9.46%
Revenue Next 3Y8.86%
Revenue Next 5Y8.1%
EBIT growth 1Y13.1%
EBIT growth 3Y11.71%
EBIT growth 5Y26.29%
EBIT Next Year-4.41%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-37.42%
FCF growth 3Y-5.93%
FCF growth 5Y31.22%
OCF growth 1Y-28.67%
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 5 / 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 19.53 and the Price/Book (PB) ratio is 6.32.


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.