American Express Co.
- Price
- 326.17 USD
- Fair value
- 135.66 USD
- Discount to fair value
- −140%
- Mkt cap
- 222.55B
- P/E
- 20.7×
- P/B
- 6.65×
- EV
- 232.56B
- Div yield
- 1.02%
- ROE
- 32.2%
- Net margin
- 19.0%
Current price326.17USD
Fair value (est., median)135.66USD
UndervaluedFair valueOvervalued
+140.4% above fair valueWould need to fall ~58.4% to reach fair value.
Median ofDCF 354.26Graham 128.46Residual Income 142.86Earnings Power 120.23
Health Check
52.6
Overall / 100
Good (66+)Caution (40–65)Risk (<40)
Rewards
- Strong return on equity (32.2%).
- Healthy balance sheet.
- Attractive, covered dividend (1.02%).
Risks
- Trades 140.4% above estimated fair value.
- Low fair-value confidence — methods disagree or data is thin.
- Expensive on book (P/B 6.6×).
Scores are computed automatically from the real financial statements (Value from fair value; the rest from growth, profitability, balance sheet and dividends). A decision aid, not investment advice.
Price, corporate actions & news
Demo series
D — DividendS — Split▲ good · ▼ bad newstap a marker for details
Growth & profitability
Revenue, net income and margin.
RevenueNet incomeNet margin %tap a bar for figures
Key figures
Covers 19 years · FY2007–FY2025
| Metric | FY'21 | FY'22 | FY'23 | FY'24 | FY'25 |
|---|---|---|---|---|---|
| Revenue | 27.72B | 43.54B | 48.87B | 52.39B | 56.77B |
| Net Income | 8.06B | 7.46B | 8.31B | 10.06B | 10.77B |
| Net Margin | 29.1% | 17.1% | 17.0% | 19.2% | 19.0% |
| Operating Cash Flow | 14.64B | 21.08B | 18.56B | 14.05B | 18.43B |
| OCF Margin | 52.8% | 48.4% | 38.0% | 26.8% | 32.5% |
| Capital Expenditure | 1.55B | 1.85B | 1.56B | 1.91B | 2.42B |
| Free Cash Flow | 13.10B | 19.22B | 17.00B | 12.14B | 16.00B |
| FCF Margin | 47.2% | 44.2% | 34.8% | 23.2% | 28.2% |
| FCF Conversion | 162.5% | 257.8% | 204.5% | 120.6% | 148.6% |
| EPS (Diluted) | 11.81/sh | 10.93/sh | 12.18/sh | 14.75/sh | 15.78/sh |
| Dividend / Share | 2.12/sh | 2.29/sh | 2.61/sh | 2.93/sh | 3.33/sh |
Dividend return (if you buy today)if you buy today
Dividend yield1.02%
Dividend / share3.33 USD
If you invest
USD
Shares (≈)30
Est. annual income99.85 USD
At this rate, dividends alone return your capital in ~98.0 years.
Dividend history
Dividend / share & historical yield (USD).
Dividend / share yield %tap a bar for figures
Quarterly dividends & yield
Per-share dividends by quarter, full-year total, and yield on the year's average price · USD
| Year | Q1 | Q2 | Q3 | Q4 | Full year | Yield (avg) |
|---|---|---|---|---|---|---|
| 2026 | — | 0.95 | 0.95 | — | 1.90 | 0.6% |
| 2025 | — | — | — | — | 3.33 | 1.0% |
| 2024 | — | — | — | — | 2.93 | 1.1% |
| 2023 | — | — | — | — | 2.61 | 1.5% |
| 2022 | — | — | — | — | 2.29 | 1.4% |
Corporate actions
DCash Dividend
0.95 USD /sh2026-07-02
DCash Dividend
0.95 USD /sh2026-04-02
DCash Dividend
0.39 USD /sh2018-10-04
DCash Dividend
0.35 USD /sh2018-07-05
DCash Dividend
0.35 USD /sh2018-04-05
DCash Dividend
0.35 USD /sh2018-01-04
DCash Dividend
0.35 USD /sh2017-10-05
DCash Dividend
0.32 USD /sh2017-07-05
DCash Dividend
0.32 USD /sh2017-04-05
DCash Dividend
0.32 USD /sh2017-01-04
Valuation breakdown
Fair value = median of the applicable methods (DCF، Graham، Residual Income، Earnings Power).
Each method below is a different lens on the same company — no single method dominates the result.
Discounted Cash Flow
Values the company from the future cash it's expected to generate. · Tap to adjust assumptions
354.26 USD
Dividend Discount Model
Values the share from the dividends it's expected to keep paying. · Tap to adjust assumptions
43.27 USD
Graham Number
A conservative benchmark built from earnings and book value. · Tap to adjust assumptions
128.46 USD
Residual Income (justified P/B)
Values the profit the company earns above the cost of its equity. · Tap to adjust assumptions
142.86 USD
Earnings Power Value
Values today's earning power as-is, assuming no growth. · Tap to adjust assumptions
120.23 USD
DCF only is anchored on FY2025 — the latest year with positive cash flow that supports a value. The other methods (DDM, Graham, RIM, EPV) use current / normalized figures.
Fair Value (median)135.66 USD
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 10.92%
- CAPM cost of equity
- 12.44%
- Risk-free rate
- 4.50%
- Equity risk premium
- 7.50%
- DCF growth (stage 1)
- 8.00%
- DCF terminal growth
- 3.00%
- DCF forecast years
- 10
- DDM dividend growth
- 3.00%
Tune these per company in the Hajras Odoo backend; values recompute automatically.
Wealth simulator
What if you'd invested in American Express Co. regularly?
Starting year
- Invested
- 1K/yr · 43K total(1984 → today · 43 yrs)
- your value today is
- 830.7K USD
- Total return
- +1831.9%(+84.4% Dividends · +1747.5% Capital gain)
- Annualised (IRR)
- +11.6%
Invested43KUSD
Dividends36.3KUSD
Capital gain751.4KUSD
InvestedCapital gainDividendstap a bar for figures
Community Notes0
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