Please note that American Express' price fluctuation is very steady at this time. Calculation of the real value of American Express is based on 3 months time horizon. Increasing American Express' time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
American Express' intrinsic value may or may not be the same as its current market price of 352.17, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical
Market 352.17
Real 367.39
Target 377.72
Hype 352.14
Naive 359.78
The intrinsic value of American Express' stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence American Express' stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of American Express helps investors to forecast how American stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of American Express more accurately as focusing exclusively on American Express' fundamentals will not take into account other important factors:
American Express is presently anticipated to have company total value of 249.1 B with market capitalization of 242.59 B, debt of 57.76 B, and cash on hands of 37.01 B. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the American Express fundamentals before making security assessment based on enterprise value of the company
About 22.0% of the company shares are held by company insiders. The company has Price/Earnings To Growth (PEG) ratio of 1.78. American Express recorded earning per share (EPS) of 15.39. The entity last dividend was issued on the 2nd of January 2026. The firm had 10000:8753 split on the 3rd of October 2005. Based on the key indicators related to American Express' liquidity, profitability, solvency, and operating efficiency, American Express may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter.
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. American Express has an asset utilization ratio of 26.82 percent. This connotes that the Company is making $0.27 for each dollar of assets. An increasing asset utilization means that American Express is more efficient with each dollar of assets it utilizes for everyday operations.
Oil Shock
Dot-com Bubble
Housing Crash
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Yuan Drop
Covid
Interest Hikes
American Express Profitability Analysis
Based on American Express' profitability indicators, American Express may not be well positioned to generate adequate gross income at the present time. It has a very high chance of underperforming in March. Profitability indicators assess American Express' ability to earn profits and add value for shareholders.
Net Income
First Reported
1985-09-30
Previous Quarter
2.9 B
Current Value
2.4 B
Quarterly Volatility
709.3 M
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Dot-com Bubble
Housing Crash
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Yuan Drop
Covid
Interest Hikes
As of 02/01/2026, Gross Profit Margin is likely to grow to 0.68, while Gross Profit is likely to drop slightly above 30.1 B.
For American Express profitability analysis, we use financial ratios and fundamental drivers that measure the ability of American Express to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well American Express utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between American Express's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of American Express over time as well as its relative position and ranking within its peers.
American Express Earnings per Share Projection vs Actual
The next projected EPS of American Express is estimated to be 3.99 with future projections ranging from a low of 3.54 to a high of 4.171. American Express' most recent 12-month trailing earnings per share (EPS TTM) is at 15.39. Please be aware that the consensus of earnings estimates for American Express is based on EPS before non-recurring items and includes expenses related to employee stock options.
Dot-com Bubble
Housing Crash
Credit Downgrade
Yuan Drop
Covid
Interest Hikes
American Express is projected to generate 3.99 in earnings per share on the 31st of March 2026. American Express earnings estimates show analyst consensus about projected American Express EPS (Earning Per Share). It derives the highest and the lowest estimates based on American Express' historical volatility. Many public companies, such as American Express, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.
American Express Earnings Estimation Breakdown
The calculation of American Express' earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of American Express is estimated to be 3.99 with the future projection ranging from a low of 3.54 to a high of 4.171. Please be aware that this consensus of annual earnings estimates for American Express is based on EPS before non-recurring items and includes expenses related to employee stock options.
Last Reported EPS
3.53
3.54
Lowest
Expected EPS
3.99
4.17
Highest
American Express Earnings Projection Consensus
Suppose the current estimates of American Express' value are higher than the current market price of the American Express stock. In this case, investors may conclude that American Express is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and American Express' stock will quickly adjusts to the new information provided by the consensus estimate.
Number of Analysts
Historical Accuracy
Last Reported EPS
Estimated EPS for 31st of March 2026
Current EPS (TTM)
29
94.72%
3.53
3.99
15.39
American Express Ownership Allocation
American Express holds a total of 686 Million outstanding shares. Over half of American Express' outstanding shares are owned by other corporate entities. These other corporate entities are typically referred to as corporate investors that acquire positions in a given instrument to benefit from reduced trade commissions. Please note that on January 16, 2026, Representative Julie Johnson of US Congress acquired under $15k worth of American Express's common stock.
American Express Profitability Analysis
The company reported the last year's revenue of 80.46 B. Total Income to common stockholders was 10.13 B with profit before taxes, overhead, and interest of 41.88 B.
American Express Past Distributions to stockholders
The stock valuation mechanism determines American Express' current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of American Express based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of American Express. We calculate exposure to American Express's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of American Express's related companies.
American Express' stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether American Express' value is low or high relative to the company's performance and growth projections. Determining the market value of American Express can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of American Express represents a small ownership stake in the entity. As a stockholder of American, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
American Express Dividends Analysis For Valuation
At this time, American Express' Dividends Paid is relatively stable compared to the past year. As of 02/01/2026, Dividend Payout Ratio is likely to grow to 0.36, while Dividend Yield is likely to drop 0.01. . At this time, American Express' Retained Earnings are relatively stable compared to the past year. As of 02/01/2026, Earnings Yield is likely to grow to 0.07, while Retained Earnings Total Equity is likely to drop slightly above 10.7 B.
There are various types of dividends American Express can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of American shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from American Express directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When American pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of American Express by the value of the dividends paid out.
American Express Growth Indicators
Investing in growth stocks can be very risky. If the company such as American Express does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Common Stock Shares Outstanding
696 M
Quarterly Earnings Growth Y O Y
0.186
Forward Price Earnings
20.1207
American Express Current Valuation Indicators
American Express' valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final American Express' valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as American Express, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use American Express' valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes American Express' worth.
Additional Tools for American Stock Analysis
When running American Express' price analysis, check to measure American Express' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy American Express is operating at the current time. Most of American Express' value examination focuses on studying past and present price action to predict the probability of American Express' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move American Express' price. Additionally, you may evaluate how the addition of American Express to your portfolios can decrease your overall portfolio volatility.