NYSE · Financial · Credit Services · USA
American Express Co is a mega cap company (market value over $200 billion) in the Credit Services industry.
American Express provides payment cards, banking services, and merchant processing for consumers, businesses, and corporations internationally. The company operates through consumer services, commercial services, international card services, and merchant and network services segments. Its integrated platform connects cardholders with merchants and partners across a worldwide network in multiple countries and territories.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the American Express Co stock.
Overvalued: intrinsic value $162.37 per share, market price $316.41, margin of safety -94.9% (as of 2026-10-19).
Book value at 2.50x, the multiple a 34.1% return on equity justifies, blended with earnings, values the shares at $162.37; the price of $316.41 is 95% above that value.
Leak Score: 63/100 on 12 of 12 signals (Faint Leak).
17 more funds hold it; the full list is part of the paid plan.
22 more in this industry show a wider margin of safety.
AXP is overvalued (as of the 2026-10-19 close). Book value at 2.50x, the multiple a 34.1% return on equity justifies, blended with earnings, values the shares at $162.37; the price of $316.41 is 95% above that value.
$162.37 per share (as of the 2026-10-19 close), against a market price of $316.41. That is a margin of safety of -94.9%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
The price needs the bank to earn more on its equity than it does today. Return on equity the price needs: 48.8%. Return on equity it earns: 34.1%.
63 out of 100, which we rate "Faint Leak", on 12 of 12 value investing signals.