US · AXP
American Express Company
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- New York City, NY 10285
- Website
- americanexpress.com
Price · as of 2025-12-31
$319.68
Market cap 212.79B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $164.84 | -48.44% |
| Intrinsic Value(DCF) | $415.28 | +29.9% |
| Graham-Dodd Method(GD) | $69.66 | -78.21% |
| Graham Formula(GF) | $250.62 | -21.6% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $43.84 | $101.30 | $10.73 | $23.24 | $64.52 |
| 2012 | $54.07 | $97.68 | $12.01 | $21.66 | $49.48 |
| 2013 | $79.35 | $95.43 | $14.24 | $26.81 | $54.48 |
| 2014 | $68.91 | $116.75 | $16.61 | $30.10 | $51.17 |
| 2015 | $51.61 | $90.83 | $16.25 | $26.18 | $31.14 |
| 2016 | $70.23 | $98.84 | $18.49 | $28.24 | $110.76 |
| 2017 | $88.98 | $100.25 | $16.24 | $11.58 | $30.07 |
| 2018 | $98.47 | $100.74 | $49.02 | $39.68 | $150.81 |
| 2019 | $100.10 | $101.37 | $40.27 | $38.91 | $135.08 |
| 2020 | $139.82 | $74.82 | $17.12 | $15.77 | $0.00 |
| 2021 | $159.73 | $111.30 | $28.69 | $46.84 | $237.44 |
| 2022 | $159.83 | $99.83 | $125.27 | $46.63 | $322.52 |
| 2023 | $218.59 | $120.91 | $1,583.04 | $53.57 | $323.67 |
| 2024 | $270.33 | $142.99 | $1,365.84 | $65.55 | $254.10 |
| 2025 | $307.43 | $164.84 | $796.51 | $69.66 | $250.62 |
AI valuation
Our deep-learning model estimates American Express Company's (AXP) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $164.84
- Current price
- $319.68
- AI upside
- -48.44%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$415.28
+29.9% upside
Graham-Dodd
$69.66
-78.21% upside
Graham Formula
$250.62
-21.6% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| AXP | American Express Company | $319.68 | 212.79B | -48% | +30% | -78% | -22% | 19.72 | 6.38 | 2.66 | 13.42 | 203.33 | 7.49 | 62.85% | 20.64% | 13.39% | 33.99% | 31.68% | 3.79% | 1.73 | 5.91 | 0.28 | 0.28 | 0.61 | 970.00% | 844.00% | 3183.00% | 7.49% | 0.11 | 38.89% | 1.06% | 21.00% | 4.01% | 13.42 | 13.93 | 2.77 | 0.56 |
| ALLY | Ally Financial Inc. | $39.44 | 12.17B | +70% | -30% | +1% | — | 14.50 | 0.80 | 1.02 | 9.84 | 45.79 | 0.80 | 51.98% | 8.65% | 7.01% | 5.80% | 5.49% | 0.44% | 1.40 | 0.16 | 0.90 | 0.90 | 4.79 | 3167.00% | -2575.00% | -47453.00% | -32.38% | 0.00 | -25.75% | 3.96% | 57.40% | 4.44% | 22.92 | -6.02 | 1.98 | 0.03 |
| CAT | Caterpillar Inc. | $742.83 | 347.63B | -38% | -34% | -94% | -69% | 39.51 | 16.46 | 5.19 | 25.87 | — | 22.27 | 32.34% | 16.59% | 13.13% | 43.53% | 16.14% | 9.53% | 2.03 | 10.88 | 1.44 | 0.86 | 2.25 | -1460.00% | 429.00% | 1649.00% | 2.93% | 0.32 | 19.44% | 0.78% | 31.00% | 2.26% | 34.28 | 37.41 | 5.69 | 4.91 |
| COF | Capital One Financial Cor… | $195.64 | 124.37B | -35% | +1,613% | -33% | -18% | 42.83 | 0.92 | 1.52 | 1.46 | — | 1.53 | 47.33% | 3.29% | 3.54% | 2.81% | 5.79% | 0.42% | 0.00 | 0.07 | — | — | -0.40 | -7101.00% | 2839.00% | 5417.00% | 24.88% | — | 66.36% | 1.68% | 72.10% | 10.68% | 4.82 | 0.42 | 0.16 | 0.54 |
| GS | The Goldman Sachs Group, … | $859.57 | 260.21B | +5% | -42% | -58% | -57% | 15.69 | 2.16 | 2.15 | 17.90 | 59.00 | 2.75 | 45.70% | 15.69% | 13.73% | 13.91% | 48.89% | 0.99% | 4.95 | 0.29 | 1.21 | 1.21 | 20.86 | 2659.00% | -138.00% | 20855.00% | -17.52% | -0.08 | -149.66% | 1.96% | 30.70% | 6.55% | 19.89 | -8.27 | 3.12 | 0.28 |
| MA | Mastercard Incorporated | $517.21 | 461.58B | -20% | -31% | -93% | -23% | 31.22 | 60.40 | 14.25 | 23.52 | 164.90 | -63.35 | 83.43% | 59.17% | 45.65% | 210.49% | 100.14% | 29.28% | 2.46 | 26.87 | 1.03 | 0.78 | 0.39 | 1893.00% | 1642.00% | 1822.00% | 3.62% | 0.76 | 108.35% | 0.59% | 18.40% | 3.51% | 24.48 | 28.08 | 14.48 | 10.05 |
| PYPL | PayPal Holdings, Inc. | $46.21 | 43.24B | +158% | -45% | -24% | +50% | 8.36 | 2.16 | 1.31 | 5.63 | 23.50 | 4.76 | 47.03% | 19.70% | 15.70% | 25.73% | 27.80% | 6.47% | 0.49 | 14.89 | 1.29 | 1.25 | 0.25 | 3559.00% | 485.00% | -1778.00% | 12.72% | 0.14 | 28.32% | 0.30% | 2.50% | 17.28% | 6.60 | 7.79 | 1.30 | 1.89 |
| V | Visa Inc. | $320.14 | 617.24B | -25% | -47% | -92% | -39% | 32.00 | 16.93 | 16.05 | 24.81 | 662.56 | -66.76 | 80.36% | 59.98% | 50.14% | 52.07% | 46.32% | 20.66% | 0.66 | 40.74 | 1.08 | 0.84 | 0.19 | 483.00% | 1134.00% | 1543.00% | 3.36% | 0.66 | 50.24% | 0.72% | 23.10% | 3.41% | 26.89 | 29.90 | 16.13 | 7.68 |
| WFC | Wells Fargo & Company | $81.44 | 255.63B | -20% | -23% | -36% | -44% | 12.29 | 1.45 | 2.13 | 6.91 | 69.48 | 1.68 | 64.80% | 20.40% | 17.27% | 11.86% | 19.51% | 1.05% | 1.07 | 0.63 | 13.79 | 13.79 | 5.24 | 1769.00% | -149.00% | -72606.00% | -7.24% | -1.04 | -17.36% | 2.47% | 30.40% | 9.90% | 8.05 | -10.67 | 1.64 | 0.46 |
About American Express Company
American Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide. The company operates through three segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. Its products and services include payment and financing products; network services; accounts payable expense management products and services; and travel and lifestyle services. The company's products and services also comprise merchant acquisition and processing, servicing and settlement, point-of-sale marketing, and information products and services for merchants; and fraud prevention services, as well as the design and operation of customer loyalty programs. It sells its products and services to consumers, small businesses, mid-sized companies, and large corporations through mobile and online applications, third-party vendors and business partners, direct mail, telephone, in-house sales teams, and direct response advertising. American Express Company was founded in 1850 and is headquartered in New York, New York.
- CEO
- Stephen Joseph Squeri
- Employees
- 75.1K
- Beta
- 1.13
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($415.28 ÷ $319.68) − 1 = +29.9% (DCF, example).