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American Express CoXSWX:AXP -0.39%80 Capex-to-Operating-Cash-Flow is 0.17 as of Jun. 2026, which is 31% above its 10-year median of 0.13. GuruFocus rates XSWX:AXP with a GF Score™ of 80/100 and a GF Value™ of CHF275.03 (Fairly Valued). The stock has 3 warning signs investors should review. Among 126 Credit Services companies, American Express Co ranks worse than 69.84% on this metric.
Capex-to-Operating-Cash-Flow assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. It’s also useful to distinguish whether the company is capital intensive or not.
American Express Co (XSWX:AXP) Capex-to-Operating-Cash-Flow Explanation
Capex-to-Operating-Cash-Flow ratio assesses how much of a company’s Cash Flow from Operations is being devoted to Capital Expenditure. It is a good indicator in terms of how much the company is focused on growth. In general, a high Capex-to-Operating-Cash-Flow ratio indicates that the company is investing more in physical assets and is focused on growth and expansion. Conversely, lower ratio could indicate that a company has reached maturity and is no longer pursuing aggressive growth.
Moreover, the ratio is also useful to distinguish whether the company is capital intensive or not. If the ratio is large, then the company tends to be capital intensive. Lower ratio suggests that it’s a capital-light business. The ratio can be combined with ROIC % to identify whether the company is an asset-light business that has a high return on invested capital. This is one question investors commonly ask to see if a company qualifies as a good company.
American Express Co Capex-to-Operating-Cash-Flow Related Terms
American Express Co Capex-to-Operating-Cash-Flow Historical Data
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The historical data trend for American Express Co's Capex-to-Operating-Cash-Flow can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
American Express Co Capex-to-Operating-Cash-Flow Chart
XSWX:AXP vs COF, PYPL, SYF: Capex-to-Operating-Cash-Flow Comparison
For the Credit Services subindustry, American Express Co's Capex-to-Operating-Cash-Flow, along with its competitors' market caps and Capex-to-Operating-Cash-Flow 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 Capex-to-Operating-Cash-Flow vs Credit Services Industry
For the Credit Services industry and Financial Services sector, American Express Co's Capex-to-Operating-Cash-Flow distribution charts can be found below:
* The bar in red indicates where American Express Co's Capex-to-Operating-Cash-Flow falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Capex-to-Operating-Cash-Flow of 0.17 mean?
American Express Co (XSWX:AXP) has a Capex-to-Operating-Cash-Flow of 0.17 as of Jun. 2026. Capex to Operating Cash Flow ratio assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. View historical data on American Express Co and its competitors. This is 31% above median its historical median of 0.13. Over the past decade, American Express Co's Capex-to-Operating-Cash-Flow has ranged from 0.08 to 0.26. According to the industry distribution chart, American Express Co ranks #88 out of 126 companies in the Credit Services industry, placing it in the top 69.8%.
Is American Express Co's Capex-to-Operating-Cash-Flow too high?
American Express Co's current Capex-to-Operating-Cash-Flow of 0.17 is 31% above median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.26. The Credit Services industry median Capex-to-Operating-Cash-Flow is 0.09. American Express Co's value of 0.17 is 88.9% above this industry median. Based on the distribution chart, American Express Co ranks #88 out of 126 companies in the Credit Services industry, which is below the industry midpoint. Overall, American Express Co has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does American Express Co's Capex-to-Operating-Cash-Flow compare to COF and PYPL?
According to the Credit Services industry distribution chart, American Express Co ranks #88 out of 126 companies for Capex-to-Operating-Cash-Flow. This places American Express Co in the lower half of its industry. The industry median Capex-to-Operating-Cash-Flow is 0.09. American Express Co's value of 0.17 is 88.9% above this benchmark. Historically, American Express Co's own Capex-to-Operating-Cash-Flow has ranged from 0.08 to 0.26 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.09, 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 Capex-to-Operating-Cash-Flow for a Credit Services company?
The median Capex-to-Operating-Cash-Flow among Credit Services companies is 0.09, based on 126 companies in the industry. Companies in the top quartile (top 25%) have a Capex-to-Operating-Cash-Flow significantly above this median, while those in the bottom quartile fall well below. However, Capex-to-Operating-Cash-Flow should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Express Co's current Capex-to-Operating-Cash-Flow of 0.17 is 88.9% 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 Capex-to-Operating-Cash-Flow mean?
A high Capex-to-Operating-Cash-Flow can signal that a stock is expensive relative to its fundamentals. Capex to Operating Cash Flow ratio assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. View historical data on American Express Co and its competitors. For the Credit Services industry, the median Capex-to-Operating-Cash-Flow is 0.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Express Co's current Capex-to-Operating-Cash-Flow is 0.17, which is 31% above median its own 10-year median of 0.13. 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?
Based on GuruFocus' analysis, American Express Co (XSWX:AXP) is currently considered Fairly Valued. The stock's GF Value™ is CHF275.03, compared to a current price of CHF269.85 — trading 1.9% below its estimated fair value. The current Capex-to-Operating-Cash-Flow is 0.17, which is 31% above median its 10-year median of 0.13 and 88.9% above the Credit Services industry median of 0.09. American Express Co's overall GF Score™ is 80/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Capex-to-Operating-Cash-Flow calculated?
Capex-to-Operating-Cash-Flow is calculated from a company's financial statements. For American Express Co (XSWX:AXP), the current Capex-to-Operating-Cash-Flow is 0.17 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 undervalued.
The current stock price of CHF269.85 is trading 1.9% below its estimated GF Value™ of CHF275.03.
GuruFocus considers American Express Co to be Fairly Valued.
Key valuation signals for XSWX:AXP:
Capex-to-Operating-Cash-Flow: 0.17 (31% above median its 10-year median of 0.13)
GF Value™: CHF275.03 vs. price of CHF269.85 (1.9% below fair value)
Industry Position: 88.9% above the Credit Services median (#88 of 126)
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.
80GF Score
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Capex-to-Operating-Cash-Flow is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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