AXP

American Express Company

$316.41

+0.90% 2026-10-19

FinancialsS&P 500

1M 3M 6M 1Y 2Y

AXPSPY

+1.6%

+1.9%

-9.8%

-3.5%

YTD

-13.5%

-7.7%

Grades vs sector

Momentum

14th pct in sector

D-

12-1 return: -15.0%
Percentile within its GICS sector across the S&P 1500.

Growth

57th pct in sector

B-

Revenue growth (YoY): +12.8%
Percentile within its GICS sector across the S&P 1500.

Value

16th pct in sector

D-

Forward E/P: 6.4% · EBITDA/EV: –
Percentile within its GICS sector across the S&P 1500.

Profitability

64th pct in sector

Profit margin: +16.1% · Return on equity: +34.4%
Percentile within its GICS sector across the S&P 1500.

Revisions

no data

–

EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.

Our models

Not held by any of our 3 live models right now.

Momentum Top 15

rank 330 of 499 · 12-1 momentum % 0.5

Quality Growth

not ranked (outside this model's universe or screens)

Momentum Blend

not in the current book

Key stats

Market cap$213.7B

P/E (trailing)19.2

P/E (forward)15.7

52-week range290.97 – 387.49

Revenue growth (YoY, latest qtr)+12.8%

Dividend yield1.21%

Analyst consensusBuy (25)

Mean price target$369.44 (+17%)

Valuation & fundamentals

Bottom line

Leans undervalued

Model read-out from the numbers below, not advice. Score +2 (DCF counts double).

▲DCF (base case)above the price by 43%

▼Forward P/E vs sector15.7x vs median 10.2x

•Piotroski F-score4/9

•Net debt / EBITDA1.8x

▲Analyst target+17% (25 analysts)

Discounted cash flow

Bear

$282

-11%

growth 5% · disc. 10.7% · term. 2.0%

Base

$453

+43%

growth 10% · disc. 9.7% · term. 2.5%

Bull

$680

+115%

growth 13% · disc. 8.7% · term. 3.0%

A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.

Reverse DCFfor context, not a signal

Not meaningful for consumer finance: for banks, insurers and lenders, cash moving through loans and deposits swamps "free cash flow". Book value and earnings are better guides.

Edit assumptions · recalculates instantly

Your value per share–

Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2026-06-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 1.08 × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.

Multiples vs Financials

P/E (trailing)

sector median 13.0× · 75th pct

19.2×
pricier

Forward P/E

sector median 10.2× · 85th pct

15.7×
pricier

EV / EBITDA

sector median 10.9× · 96th pct

31.0×
pricier

Price / sales

sector median 2.8× · 74th pct

5.0×
pricier

Price / book

sector median 1.6× · 93rd pct

6.2×
pricier

FCF yield

sector median 8.2% · 42nd pct

7.0%
pricier

Forward EPS $20.15 vs trailing $16.48 (+22% expected growth). Forward P/E uses analysts' next-12-month estimate.

Quality & financial health

Gross margin

–

Operating margin

12.6%

FCF margin

34.9%

Net margin

26.6%

Return on equity

33.4%

Return on invested capital

8.8%

Net debt / EBITDA

1.8×

Current ratio

–

Interest cover

0.7×

Cash conversion (OCF/NI)

1.6×

Piotroski F-score 4/9 · last two fiscal years

✓ Positive net income✓ Positive operating cash flow✗ Return on assets improved✓ Cash flow above net income✗ Long-term debt / assets fell✗ Current ratio improved✓ No share dilution✗ Gross margin improved✗ Asset turnover improved

Analysts

Mean target

$369

+17%

Analysts

Buy

Range

$320–$450

low – high

● price · ◆ mean target

Annual history

FY	Revenue	Net income	Free cash flow
2025	$41.3B	$10.8B	$16.0B
2024	$38.8B	$10.1B	$12.1B
2023	$37.2B	$8.4B	$17.0B
2022	$34.2B	$7.5B	$19.2B
2021	$27.7B	$8.1B	$13.1B
2020	$22.0B	$3.1B	$4.1B

From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR +6.5%.

Earnings

Next report: 2026-10-23 · before open · EPS est 4.51

EstimateActual (beat)Actual (miss)

Report	EPS est	Actual	Surprise
2026-07-24	4.40	4.53	+2.9%
2026-04-23	3.99	4.28	+7.2%
2026-01-30	3.55	3.53	-0.7%
2025-10-17	3.98	4.14	+4.0%
2025-07-18	3.88	4.08	+5.1%
2025-04-17	3.47	3.64	+4.8%
2025-01-24	3.03	3.04	+0.2%
2024-10-18	3.28	3.49	+6.5%

Quarterly revenue

Quarter	Revenue	YoY
2026-06-30	$19.6B	+10.0%
2026-03-31	$18.9B	–
2025-12-31	$19.0B	–
2025-09-30	$18.4B	–
2025-06-30	$17.9B	–

Analyst actions

Morgan Stanley

2026-10-12 · main

Equal-Weight → Equal-Weight
PT $380

JP Morgan

2026-10-12 · main

Overweight → Overweight
PT $360

RBC Capital

2026-10-09 · main

Outperform → Outperform
PT $400

BMO Capital

2026-10-09 · init

→ Outperform
PT $380

TD Cowen

2026-10-06 · main

Hold → Hold
PT $335

UBS

2026-10-05 · main

Neutral → Neutral
PT $345

Recent dividends

2026-10-09: $0.950 · 2026-07-02: $0.950 · 2026-04-02: $0.950 · 2026-01-02: $0.820 · 2025-10-10: $0.820 · 2025-07-03: $0.820 · 2025-04-04: $0.820 · 2025-01-03: $0.700

Insider trades

Herena Monique

Chief Colleague Exp. Officer · 2026-08-18

SELL
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News

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MT Newswires · 18h ago

Stats refreshed 2026-10-19 19:01:55 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now

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Coteau Systematic StrategiesSystematic equity research and model portfolios.
Coteau Systematic Strategies publishes research, model portfolios and tools. It does not manage money or offer investment advice. Model results are hypothetical. Data: Yahoo Finance (delayed), SEC EDGAR.

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