AXP

$354.62

Public overview and default valuation.

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Valuation Details
Default assumptions: 10Y forecast, 9% market return, 2.5% terminal growth, 3.73% trendline growth.
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$434.11

With 20% Margin of Safety (MoS):

$347.29
-2.07% downside
Capital Efficiency
Average Quarterly ROIC
7.6%
Cost of Capital (estimated)11%
Value StatusUnderperforming Capital

The company is earning below its required return. This may indicate inefficient use of capital or excess cash that isn't being reinvested.

Complete historical ROIC is available with
.
Fundamental Score
64
NeutralWeighted across 6 signals
DCF Discount
2.1% premium to price
47
FCF Yield
9.6% trailing FCF yield
100
ROIC vs WACC
ROIC 7.6% vs WACC 11.0% (0.7x)
35
Net Debt / FCF
0.4x net debt to FCF
91
Buybacks
Share count shrinking
80
FCF CAGR (5Y)
8.8% 5Y FCF CAGR
69
Strengths: FCF Yield, Net Debt / FCF. Concerns: ROIC vs WACC.
Narrative Score
54
Weak
Weighted across 5 recent drivers · Last 30 daysVs 6-Month Baseline: Average (56th pct)
Trend: Improving upConfidence: 100%Updated: 2h ago
Sources: 208 (News 200 · Analyst 8)
Drivers
34 regulatory scrutiny+0.9
164 news sentiment-0.5
Earnings beat+0.0
Downgrade headlines-0.0
8 analyst reiterations0.0
Other Metrics
P/E22.5
Profit Margin13.5%
Owner Earnings$14.35b
One Dollar Premise21.00%
Debt/Equity8.08
Current Ratio0.56
PEG6.189
Free Cash Flow (in millions)
20052006200720082009201020112012201320142015201620172018201920202021202220232024
$8,653$9,866$9,422$9,643$7,156$10,175$11,664$8,135$9,553$12,185$12,313$9,599$14,602$10,240$15,277$7,069$16,195$22,934$20,122$23,338
How Intrinziq Estimates Fair Value

Intrinziq estimates American Express Company's intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.

American Express CompanyFinancial Services

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.

Last updated: Feb 06, 2026
Data sources: Financial Modeling Prep
This valuation is based on assumptions and publicly available data. It is not financial advice or a recommendation to buy or sell any security. Always do your own research before making investment decisions.
American Express Company (AXP) Intrinsic Value & DCF Valuation | Intrinziq