Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
American Express CoXSWX:AXP +0.28%83 3-Year Book Growth Rate is 13.60% as of Jun. 2026, which is 70% above its 10-year median of 8.00. GuruFocus rates XSWX:AXP with a GF Score™ of 83/100 and a GF Value™ of CHF263.06. The stock has 3 warning signs investors should review. Among 516 Credit Services companies, American Express Co ranks better than 71.12% on this metric.
During the past 12 months, American Express Co's average Book Value per Share Growth Rate was 9.40% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 13.60% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 12.10% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 8.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of American Express Co was 17.80% per year. The lowest was -9.80% per year. And the median was 8.00% per year.
American Express Co (XSWX:AXP) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
American Express Co 3-Year Book Growth Rate Related Terms
XSWX:AXP vs COF, PYPL, SYF: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, American Express Co's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
American Express Co 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, American Express Co's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where American Express Co's 3-Year Book Growth Rate falls into.
American Express Co 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 13.60% mean?
American Express Co (XSWX:AXP) has a 3-Year Book Growth Rate of 13.60% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for American Express Co and its competitors. This is 70% above median its historical median of 8.00. According to the industry distribution chart, American Express Co ranks #149 out of 516 companies in the Credit Services industry, placing it in the top 28.9%.
Is American Express Co's 3-Year Book Growth Rate too high?
American Express Co's current 3-Year Book Growth Rate of 13.60% is 70% above median its 10-year median of 8.00. The Credit Services industry median 3-Year Book Growth Rate is 5.85. American Express Co's value of 13.60% is 132.5% above this industry median. Based on the distribution chart, American Express Co ranks #149 out of 516 companies in the Credit Services industry, which is above the industry midpoint. Overall, American Express Co has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does American Express Co's 3-Year Book Growth Rate compare to COF and PYPL?
According to the Credit Services industry distribution chart, American Express Co ranks #149 out of 516 companies for 3-Year Book Growth Rate. This puts American Express Co in the upper half of its industry. The industry median 3-Year Book Growth Rate is 5.85. American Express Co's value of 13.60% is 132.5% above this benchmark. While the company's 10-year median is 8.00 vs. the industry median of 5.85, American Express Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 5.85, based on 516 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Express Co's current 3-Year Book Growth Rate of 13.60% is 132.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for American Express Co and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 5.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Express Co's current 3-Year Book Growth Rate is 13.60%, which is 70% above median its own 10-year median of 8.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is American Express Co stock overvalued right now?
American Express Co (XSWX:AXP) has a current 3-Year Book Growth Rate of 13.60%. The stock's GF Value™ is CHF263.06, compared to a current price of CHF272.95 — trading 3.8% above its estimated fair value. The current 3-Year Book Growth Rate is 13.60%, which is 70% above median its 10-year median of 8.00 and 132.5% above the Credit Services industry median of 5.85. American Express Co's overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For American Express Co (XSWX:AXP), the current 3-Year Book Growth Rate is 13.60% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is American Express Co (XSWX:AXP) Overvalued in 2026?
Based on GuruFocus' analysis, American Express Co stock appears to be overvalued.
The current stock price of CHF272.95 is trading 3.8% above its estimated GF Value™ of CHF263.06.
Key valuation signals for XSWX:AXP:
3-Year Book Growth Rate: 13.60% (70% above median its 10-year median of 8.00)
GF Value™: CHF263.06 vs. price of CHF272.95 (3.8% above fair value)
Industry Position: 132.5% above the Credit Services median (#149 of 516)
No single metric tells the full story. See the XSWX:AXP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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. It operates in four segments: US consumer services, US commercial services, international card 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.
83GF Score
Get the complete analysis for XSWX:AXP
3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XSWX:AXP has been successfully added to your 
