Loading stockRelated stocks: Finance Services
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Loading stockRelated stocks: Finance Services
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
American Express is a global payments and premium lifestyle brand powered by technology. Founded in 1850 and headquartered in New York, American Express card-issuing, merchant-acquiring and card network businesses offer products and services to a broad range of customers, including consumers, small businesses, mid-sized companies and large corporations around the world.
$353.38
$1.97 (-0.55%)
Live · 05:18 PM
16.18% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 10.2% YoY.
At 22x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
22.1x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$68.81B
▲ +10.2% YoY
Net Income (TTM)
$11.22B
▲ +7.0% YoY
Net Margin
16.31%
P/E
22.1x
Balance Sheet
Total Assets
$308.89B
Equity
$33.99B
Total Debt
$60.44B
Cash & Equiv.
$54.05B
5Y CAGR: +16.4%
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At a P/E of 22.1 and a price-to-free-cash-flow of 16.9, American Express (AXP) trades above a two-stage DCF intrinsic value of about $352.52 per share, so at $353.38 the stock looks overvalued (0.2% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, American Express scores 81/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 1.0%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $352.52 per share for AXP, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $264.39. At today's $353.38, that puts the stock about 0.2% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
American Express scores 81 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, American Express pays a regular dividend of about $3.42 per share per year (typically in quarterly installments), a yield of roughly 1.0% at the current price. That is a payout ratio of about 20.9% of earnings, so the dividend is amply covered by earnings. American Express has grown the dividend at roughly 11.9% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For AXP's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. AXP currently trades above its estimated intrinsic value and scores 81/100 on quality (high-quality). It also yields about 1.0%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.