American Express Company (AXP) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
American Express Company stock (AXP) is currently trading at $300.24. American Express Company PE ratio is 19.65. American Express Company PS ratio (Price-to-Sales) is 3.11. Analyst consensus price target for AXP is $373.63. WallStSmart rates AXP as Moderate Buy.
American Express Company (AXP) stock price prediction for 2030: Base case $448.16. Bull case $560.20. Bear case $336.12. See full AXP 2030 price forecast and methodology on WallStSmart.
- AXP PE ratio analysis and historical PE chart
- AXP PS ratio (Price-to-Sales) history and trend
- AXP intrinsic value — DCF, Graham Number, EPV models
- AXP stock price prediction 2025 2026 2027 2028 2029 2030
- AXP fair value vs current price
- AXP insider transactions and insider buying
- Is AXP undervalued or overvalued?
- American Express Company financial analysis — revenue, earnings, cash flow
- AXP Piotroski F-Score and Altman Z-Score
- AXP analyst price target and Smart Rating
American Express Company
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AXP Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · American Express Company (AXP)
AXP trades at a significant discount to its Graham intrinsic value of $512.74, offering a 41% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
American Express Company (AXP) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, return on equity, profit margin. Concerns around price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
American Express Company (AXP) Key Strengths (4)
Mega-cap company, among the largest in the world
Every $100 of shareholder equity generates $34 in profit
Strong profitability: $16 kept per $100 revenue
64.85% held by institutions, strong professional interest
American Express Company (AXP) Areas to Watch (6)
Very expensive at 6.1x book value
Growth is fairly priced, not cheap, not expensive
Decent operational efficiency, solid but not exceptional
Revenue is fairly priced at 3.11x sales
Solid revenue growth at 10.60% per year
Solid earnings growth at 16.60%
American Express Company (AXP) Detailed Analysis Report
Overall Assessment
This company scores 66/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.0/10) while 6 fall into concern territory (avg 5.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with Return on Equity at 34.00%, Profit Margin at 16.20%.
The Bear Case
The primary concerns are Price/Book, PEG Ratio, Operating Margin. Some valuation metrics including PEG Ratio (1.52), Price/Sales (3.11), Price/Book (6.06) suggest expensive pricing. Growth concerns include Revenue Growth at 10.60%, EPS Growth at 16.60%, which may limit upside. Profitability pressure is visible in Operating Margin at 17.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Book improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 34.00% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 10.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Market Cap, Return on Equity) and negatives (Price/Book, PEG Ratio). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
AXP Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
AXP's Price-to-Sales ratio of 3.11x trades 52% above its historical average of 2.05x (99th percentile), historically expensive. The current valuation is 2% below its historical high of 3.16x set in Mar 2026, and 622% above its historical low of 0.43x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for American Express Company (AXP) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
American Express Company is a mature, profitable business with steady cash generation. Revenue reached 67.0B with 11% growth year-over-year. Profit margins of 16.2% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 34.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 2.3B in free cash flow and 3.1B in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact American Express Company.
Bottom Line
American Express Company is a well-established business delivering consistent profitability with 16.2% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About American Express Company(AXP)
NYSE
FINANCIAL SERVICES
CREDIT SERVICES
USA
The American Express Company is a multinational financial services corporation headquartered at 200 Vesey Street in the Battery Park City neighborhood of Lower Manhattan in New York City.