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American Express CoXSWX:AXP +0.28%83 3-Year EPS without NRI Growth Rate is 15.70% as of Jun. 2026, which is 44% above its 10-year median of 10.90. 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 433 Credit Services companies, American Express Co ranks better than 56.12% on this metric.
During the past 12 months, American Express Co's average EPS without NRI Growth Rate was 16.40% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 15.70% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 25.40% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 12.80% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of American Express Co was 123.40% per year. The lowest was -32.30% per year. And the median was 10.90% per year.
American Express Co (XSWX:AXP) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
American Express Co 3-Year EPS without NRI Growth Rate Related Terms
XSWX:AXP vs COF, PYPL, SYF: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, American Express Co's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, American Express Co's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where American Express Co's 3-Year EPS without NRI Growth Rate falls into.
American Express Co 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 15.70% mean?
American Express Co (XSWX:AXP) has a 3-Year EPS without NRI Growth Rate of 15.70% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for American Express Co and its competitors. This is 44% above median its historical median of 10.90. According to the industry distribution chart, American Express Co ranks #190 out of 433 companies in the Credit Services industry, placing it in the top 43.9%.
Is American Express Co's 3-Year EPS without NRI Growth Rate too high?
American Express Co's current 3-Year EPS without NRI Growth Rate of 15.70% is 44% above median its 10-year median of 10.90. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.40. American Express Co's value of 15.70% is 37.7% above this industry median. Based on the distribution chart, American Express Co ranks #190 out of 433 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 EPS without NRI Growth Rate compare to COF and PYPL?
According to the Credit Services industry distribution chart, American Express Co ranks #190 out of 433 companies for 3-Year EPS without NRI Growth Rate. This puts American Express Co in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. American Express Co's value of 15.70% is 37.7% above this benchmark. While the company's 10-year median is 10.90 vs. the industry median of 11.40, 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 EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 433 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 15.70% is 37.7% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for American Express Co and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Express Co's current 3-Year EPS without NRI Growth Rate is 15.70%, which is 44% above median its own 10-year median of 10.90. 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 EPS without NRI Growth Rate of 15.70%. 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 EPS without NRI Growth Rate is 15.70%, which is 44% above median its 10-year median of 10.90 and 37.7% above the Credit Services industry median of 11.40. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For American Express Co (XSWX:AXP), the current 3-Year EPS without NRI Growth Rate is 15.70% 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 EPS without NRI Growth Rate: 15.70% (44% above median its 10-year median of 10.90)
GF Value™: CHF263.06 vs. price of CHF272.95 (3.8% above fair value)
Industry Position: 37.7% above the Credit Services median (#190 of 433)
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 EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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