American Express

AXP US Financials Consumer Finance
S&P 500 Dow Jones
$324.69
+1.24%
Delayed · cached 15 min

Fair value analysis

AXP
American Express
Financials›Consumer Finance
$324.69
Close used for this calculation
$353.31Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
58/100
Profitability25/25
Returns13/25
Balance Sheet11/25
Efficiency9/25
Growth17/25
Good
Quality radar
58Prof.25/25Ret.13/25Eff.9/25B.Sht11/25Growth17/25

Consensus fair value

$353.31
Near FV
▲ +8.8% against the close used
Model range $132.19 – $450.97
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$132.19Fair value$353.31Bull$450.97
FairClose
52-week traded range
52W low $292.2752W high $384.89

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading close to the consensus fair value

American Express closed at $324.69, 8.1% below the consensus fair value of $353.31 drawn from 9 valuation models.

Financial DNA score 58/100 — Good. P/E of 21.1x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$450.97
+38.9%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
$132.19
-59.3%
√(22.5 × EPS × BVPS)
EPS=15.38, BVPS=50.5 · outside Graham range (P/E 21.1, P/B 6.4) — asset-light, treat as a rough floor
P/E Fair Value
$307.60
-5.3%
EPS × 20x (sector P/E)
EPS=15.38, Sector P/E=20x
Peter Lynch (PEG)
$417.87
+28.7%
EPS × Growth% (PEG = 1 is fair)
EPS=15.38, g=27.2%
EV/EBITDA
$383.80
+18.2%
(EBITDA × 18x − Net Debt) ÷ Shares
EBITDA=15.57B
Dividend Discount (DDM)
$177.09
-45.5%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=3.28, r=10%, g=8%
Book Value (P/B)
$323.18
-0.5%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=50.5, ROE=31.6%, g=6%, r=10%
Reverse DCF
$324.69
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 7.9% | Historical: 27.2%
Margin of Safety
$222.69
-31.4%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=296.92, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.