AXP

HOLD

American Express Company

Financial Services · Rank #42 · Analyzed Jul 13, 2026

$350.58

Current Price

$425.07

Intrinsic Value

+21.2%

Upside/Downside

5.6/10

Score

3/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score3/5.0

Framework RatingHOLD

Price vs Intrinsic ValueUndervalued by 21.2%

Fair Value Range

Low$33.43

Base (IV)$425.07

High$577.52

Entry Points

Conservative$23.40

Moderate$33.43

Aggressive$297.55

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity34.4% → 1.0/1.0

Debt LevelD/E 178 → 0/1.0

Revenue QualityGrowth 9.5%, margin Δ+0.0% → 0.5/1.0

Moat Strength3.5/5 → 0.5/1.0

Profit Margins16.3% → 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.