AXP American Express Company
Financial Services
Price
$341.75
Intrinsic value
$147.06
Buy price
$117.64
Discount
-132.4%
DCF walkthrough
This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.
Discount rate9.00%
Margin of safety20.00%
- Operating CF
- $18,475,000,000.00
- Total debt
- $59,092,000,768.00
- Cash & STI
- $45,752,000,512.00
- Shares out.
- 679,000,000
Overvalued
Intrinsic value$146.97
Buy price (with MOS)$117.57
Current price$341.75
Discount to intrinsic value-132.5%
7-step quality scorecard
ROE quality
HIGH_CONSISTENT- Average ROE
- 31.5%
- Current ROE
- 32.4%
- Minimum ROE
- 29.8%
Debt quality
LEVERAGED- Debt / Equity
- 1.77x
Moat proxy
MODERATE_PROXYCash-flow reliability
NOT_APPLICABLE- Operating CF / Net income
- 1.63x
Technical chart
Confluence: DOWNTREND (2/3)Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.
Assumptions & data quality
- Data source
- yfinance
- Growth (g1) source
- min(cfCAGR,revenueCAGR)
- Valuation model
- EXCESS_RETURN
- Debt as % of DCF PV
- 47%
- Public economic interest
- 100.0%
These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.