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Intrinsic Value

The intrinsic value of American Express Co (AEC1) under the Base Case is 256.56 EUR per share. Compared with the current market price of 281.25 EUR, the stock appears Overvalued by 9% .

The intrinsic value is calculated using the DCF method.

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AEC1 Intrinsic Value
€256.56
Overvaluation 9%
Intrinsic Value
Price €281.25

AEC1 is more expensive than usual. It was this expensive or more expensive on just 9% of days in the past 5 years.

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20% below Intrinsic Value €205.25
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Current Price €281.25
Intrinsic Value €256.56
Margin of Safety 20% €205.25
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Fundamental Analysis

What American Express Does

Financial Services Financials

American Express is a payments company best known for its charge and credit cards. It issues cards to consumers and small businesses, runs the payment network those cards use, and sells services around rewards, travel, and expense management. Its main customers are cardmembers who use the cards, merchants that accept them, and businesses that want payment and cash-flow tools.

Headquarters
United States of America US
Employees
76 800
IPO date
May 18, 1977
Read the full company overview
View Company Overview

American Express has a wide economic moat

No Moat Narrow Wide

A two-sided payment network connects cardholders who value its rewards and services with merchants seeking their spending, making the network more useful to both groups as participation grows. Its trusted premium brand also helps it attract customers willing to pay for its cards and benefits.

Read the full moat analysis

Latest Earnings Call

Q2 2026 · July 24, 2026

Open the earnings call

American Express raised its revenue outlook but maintained EPS guidance, choosing to reinvest stronger performance in customer acquisition, technology and growth opportunities.

EPS
$4.53
Expected
$4.41
Surprise
+2.7%
Stock, day of the call
−1.2%
View Earnings Call
Financials
Efficiency

Earnings Waterfall
American Express Co

Wall St Price Targets

Capital Returns

Competitive Landscape

Ownership

AXP Insider Trading
Buy and sell transactions by insiders

What is the Intrinsic Value of one AEC1 stock?

The intrinsic value for American Express Co (AEC1) under the Base Case is 256.56 EUR.

Is AEC1 stock undervalued or overvalued?

Compared with the current market price of 281.25 EUR, the stock appears Overvalued by 9% .

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