Fundamentals Overview
American Express Company is in the middle of its 52-week range with premium valuation, trading relatively flat today.
Valuation premium
Intrinsic value (DCF)
-34.1% downside vs price
Profitability
Risk (Beta)
1.13 — in line vol
Earnings & growth
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
Analyst grade: B+ · Sentiment improving (2 upgrades)
Pressures (Sell):
DCF 34.1% downside vs price · 3M vs S&P 500: -10.4%
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: B+. Recent institutional grades: majority upgrades. Current institutional positions: Buy: 5, Equal Weight: 6, Hold: 3, In Line: 3, Neutral: 5, Outperform: 1, Overweight: 4, Sell: 3.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $219.54; current price is $333.02. That’s a -34.1% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 21.15 |
| DCF value (model) | $219.54 (-34.1% vs price) |
| PEG (TTM) | 3.04 |
| P/B (TTM) | 6.83 |
| P/S (TTM) | 2.84 |
| P/FCF (TTM) | 14.29 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 0.28 |
| Quick Ratio (TTM) | 0.28 |
| Cash Ratio (TTM) | 0.28 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 13.46% |
| Gross margin (TTM) | 83.23% |
| Operating margin (TTM) | 17.14% |
| Debt to equity (TTM) | N/A |
Latest News
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for AXP.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Morgan Stanley | maintain | Equal Weight | Equal Weight | 2026-04-16 |
| JP Morgan | maintain | Neutral | Neutral | 2026-04-09 |
| Wells Fargo | maintain | Overweight | Overweight | 2026-04-09 |
| Evercore ISI Group | maintain | In Line | In Line | 2026-04-06 |
| Barclays | maintain | Equal Weight | Equal Weight | 2026-04-06 |
| Truist Securities | maintain | Buy | Buy | 2026-03-23 |
| BTIG | maintain | Sell | Sell | 2026-03-16 |
| Evercore ISI Group | maintain | In Line | In Line | 2026-02-10 |
| JP Morgan | maintain | Neutral | Neutral | 2026-02-02 |
| BTIG | maintain | Sell | Sell | 2026-02-02 |
| Truist Securities | maintain | Buy | Buy | 2026-02-02 |
| JP Morgan | maintain | Neutral | Neutral | 2026-01-12 |
| TD Cowen | maintain | Hold | Hold | 2026-01-08 |
| Barclays | maintain | Equal Weight | Equal Weight | 2026-01-06 |
| Truist Securities | maintain | Buy | Buy | 2025-12-22 |
| Wells Fargo | maintain | Overweight | Overweight | 2025-12-17 |
| Freedom Capital Markets | upgrade | Sell | Hold | 2025-10-24 |
| Freedom Broker | upgrade | Sell | Hold | 2025-10-24 |
| Barclays | maintain | Equal Weight | Equal Weight | 2025-10-20 |
| BTIG | maintain | Sell | Sell | 2025-10-20 |
| Wells Fargo | maintain | Overweight | Overweight | 2025-10-20 |
| Truist Securities | maintain | Buy | Buy | 2025-10-20 |
| UBS | maintain | Neutral | Neutral | 2025-10-07 |
| JP Morgan | maintain | Neutral | Neutral | 2025-10-07 |
| Barclays | maintain | Equal Weight | Equal Weight | 2025-10-06 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2025-10-01 |
| Evercore ISI Group | maintain | In Line | In Line | 2025-09-30 |
| Morgan Stanley | maintain | Equal Weight | Equal Weight | 2025-09-29 |
| Truist Securities | maintain | Buy | Buy | 2025-09-15 |
| Wells Fargo | maintain | Overweight | Overweight | 2025-09-05 |