Valuation dashboard for American Express Company (AXP) with P/E 17.85, P/B 6.02, EV/EBITDA 8.53 and dividend yield 1.15%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
Operating globally, American Express Company and its affiliated entities deliver a comprehensive suite of charge and credit payment card solutions, alongside a variety of travel-related offerings. Its business structure is organized into three primary divisions: the Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services.
Analysis Summary
American Express Company reported revenue of $80.46B in the most recent fiscal year, growing at a 5-year CAGR of 16.0%. Net income reached $10.83B, with a 28.1% 5-year CAGR.
Trailing-twelve-month margins: gross margin 85.2%, operating margin 27.6%, net margin 14.3%.
At $317.94 (closing price, October 28, 2026), AXP trades at a P/E of 17.85 and an ROE of 35.64%. Market capitalisation stands at $213.2B, placing it among large-cap names.
Balance sheet quality for AXP: current ratio of 0.3. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Long-term track record: over the past decade, AXP has compounded revenue at 8.9% annually and net income at 7.7%. This decade-long view smooths out cyclical fluctuations and reveals the underlying business momentum more reliably than single-year snapshots.
Valuation Ratios
| P/E Ratio | 17.85 |
| Price / Book | 6.02 |
| EV / EBITDA | 8.53 |
| Dividend Yield | 1.15% |
Valuation Models
| DCF Fair Value | $203.77 |
| vs Current Price | -35.9% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| AXP | American Express Company | $213.2B | 17.85 | 6.02 | 35.6% |
| MA | Mastercard Incorporated | $534.6B | 33.57 | 95.94 | 232.5% |
| PYPL | PayPal Holdings, Inc. | $48.4B | 10.69 | 2.46 | 23.8% |
| COF | Capital One Financial Corporation | $125.7B | 12.09 | 1.13 | 9.7% |
| V | Visa Inc. | $748.2B | 34.06 | 21.91 | 61.3% |
| AFRM | Affirm Holdings, Inc. | $21.9B | 13.28 | 4.70 | 47.9% |
| SYF | Synchrony Financial | $24.5B | 7.87 | 1.45 | 20.0% |
| CPAY | Corpay, Inc. | $26.0B | 24.09 | 7.38 | 30.4% |
Price
| Price | $317.94 (closing price, October 28, 2026) |
| Market Cap | $213.2B |
| Exchange | NYSE |
| Country | US |
Profitability
| Return on Equity | 35.64% |
| Return on Invested Capital | 33.06% |
| Return on Assets | 3.95% |
| Gross Margin | 85.21% |
| Operating Margin | 27.55% |
| Net Margin | 14.33% |
Related companies: MA · PYPL · COF · V · AFRM · SYF · CPAY · GPN
Explore sector: Financial Services · Financial - Credit Services
More sections of AXP: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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