Stock AnalizAmerican Express Co. AXP
Finance: Consumer Services · data as of November 13, 2026
American Express Co. (AXP) is a financial company listed in the US with a market value of about $215.0B. In the twelve months to September 30, 2026 it had revenue of $77.6B and net income of $12.3B, a net margin of 15.8%.
Its overall Stock Analiz score is 3.2 out of 5 (average). The strongest part is shareholder returns (5/5); the weakest is financial health (1/5).
Key numbers: a P/E of 18.1, a price to free cash flow of 15.5, 5-year revenue growth of 15% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 44% above the current price.
Score: 3.2 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year revenue growth above 10% a year
- Profit margin improving
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
Checks not passed
- P/E below the industry median
- Revenue growth above 10% last year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- More cash than debt, or low debt to equity
- Interest covered more than 5 times
- Debt below 3 years of free cash flow
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $77.6B | $72.2B | $65.9B | $60.5B | $52.9B | $42.4B | $36.1B | $43.6B | $40.3B | $36.9B | $35.4B |
| Net income | $12.3B | $10.8B | $10.1B | $8.4B | $7.5B | $8.1B | $3.1B | $6.8B | $6.9B | $2.7B | $5.4B |
| Free cash flow | $13.9B | $16.0B | $12.1B | $17.0B | $19.2B | $13.1B | $4.1B | $12.0B | $7.6B | $12.5B | $6.9B |
| EPS (diluted) | $17.76 | $15.38 | $14.01 | $11.21 | $9.85 | $10.02 | $3.77 | $7.99 | $2.32 | $2.88 | $5.64 |
| Net margin | 15.8% | 15.0% | 15.4% | 13.8% | 14.2% | 19.0% | 8.7% | 15.5% | 17.2% | 7.4% | 15.2% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 24 analysts is $364.79, 14% above the current price; targets range from $329.00 to $425.00; the consensus rating is “Buy”; expected EPS is $18.39 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is American Express’s P/E ratio?
About 18.1, based on the last twelve months of diluted earnings per share (forward P/E about 16.8).
Is American Express stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 44% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does American Express pay a dividend?
Yes. The dividend yield is about 1.18%, and it has paid dividends for 10 years in our data.
Is American Express a good stock to buy?
We do not give buy or sell advice. American Express scores 3.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.