American Express is a global financial institution, operating in about 130 countries, that provides consumers and businesses charge and credit card payment products. The company also operates a highly profitable merchant payment network. Since 2018, it has operated in three segments: global consumer services, global commercial services, and global merchant and network services. In addition to payment products, the company's commercial business offers expense management tools, consulting services, and business loans.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1.07
Equity-to-Asset	0.11
Debt-to-Equity	1.76
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.64	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	22.2
	3-Year EPS without NRI Growth Rate	43.2
	3-Year FCF Growth Rate	65.4
	3-Year Book Growth Rate	10.8
	Future 3-5Y EPS without NRI Growth Rate	15.3
	Future 3-5Y Total Revenue Growth Rate	8.83

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	40.34
	9-Day RSI	47.54
	14-Day RSI	51.47
	6-1 Month Momentum %	44.89
	12-1 Month Momentum %	41.14

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1
	Dividend Payout Ratio	0.2
	3-Year Dividend Growth Rate	11.7
	Forward Dividend Yield %	1.06
	5-Year Yield-on-Cost %	1.54
	3-Year Average Share Buyback Ratio	3.5
	Shareholder Yield %	0.39

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	14.51
	FCF Margin %	36.97
	ROE %	32.87
	ROA %	3.56
	Years of Profitability over Past 10-Year	10

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	19.22
	Forward PE Ratio	17.99
	PE Ratio without NRI	19.22
	Shiller PE Ratio	27.78
	Price-to-Owner-Earnings	9.83
	PEG Ratio	2.67
	PS Ratio	2.75
	PB Ratio	5.83
	Price-to-Tangible-Book	5.83
	Price-to-Free-Cash-Flow	7.44
	Price-to-Operating-Cash-Flow	6.96
	EV-to-Revenue	2.65
	EV-to-Forward-Revenue	3.29
	EV-to-FCF	7.18
	Price-to-Projected-FCF	0.86
	Price-to-DCF (Earnings Based)	1.46
	Price-to-DCF (FCF Based)	0.48
	Price-to-Median-PS-Value	1.17
	Price-to-Peter-Lynch-Fair-Value	2.4
	Price-to-Graham-Number	2.23
	FCF Yield %	13.64
	Forward Rate of Return (Yacktman) %	15.53

GF Value: R$117.04

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