AXP

HOLD

American Express Company

Financial Services · Rank #46 · Analyzed Apr 20, 2026

$331.69

Current Price

$620.84

Intrinsic Value

0.0%

Upside/Downside

10/10

Score

3.5/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score3.5/5.0

Framework RatingHOLD

Price vs Intrinsic ValueOvervalued by 0.0%

Fair Value Range

Low$39.05

Base (IV)$620.84

High$1080.14

Entry Points

Conservative$39.05

Moderate$329.94

Aggressive$620.84

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)
Upside capped: raw 226% exceeds 200% — valuation unreliable

Quality & Moat Breakdown

Return on Equity34.0% → 1.0/1.0

Debt LevelD/E 191 → 0/1.0

Revenue QualityGrowth 9.5%, margin Δ+0.0% +recovery → 1.0/1.0

Moat Strength3.5/5 → 0.5/1.0

Profit Margins16.2% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods — Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation — with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.