American Express CoAXP +1.11%80 EV-to-FCF is 17.17 as of Jul. 11, 2026, which is 39% above its 10-year median of 12.37. GuruFocus rates AXP with a GF Score™ of 80/100 and a GF Value™ of $322.74 (Fairly Valued). The stock has 4 warning signs investors should review. Among 264 Credit Services companies, American Express Co ranks worse than 55.3% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, American Express Co's Enterprise Value is $246,005 Mil.
American Express Co's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $14,324 Mil. Therefore, American Express Co's EV-to-FCF for today is 17.17.
The historical rank and industry rank for American Express Co's EV-to-FCF or its related term are showing as below:
AXP'
s EV-to-FCF Range Over the Past 10 Years
Min: 5.81 Med: 12.37 Max: 164.65
Current: 17.17
During the past 13 years, the highest EV-to-FCF of American Express Co was 164.65. The lowest was 5.81. And the median was 12.37.
AXP's EV-to-FCF is ranked worse than 55.3% of 264
companies
in the Credit Services industry
Industry Median: 13.28
vs AXP: 17.17
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
American Express Co (NYSE:AXP) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
American Express Co's PE Ratio (TTM) for today is calculated as:
American Express Co's share price for today is $350.58.
American Express Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $16.030.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
American Express Co EV-to-FCF Related Terms
American Express Co EV-to-FCF Historical Data
* Premium members only.
The historical data trend for American Express Co's EV-to-FCF 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.
For the Credit Services subindustry, American Express Co's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, American Express Co's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where American Express Co's EV-to-FCF falls into.
American Express Co's current Enterprise Value is $246,005 Mil.
American Express Co's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $14,324 Mil.
* 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 (AXP) has a EV-to-FCF of 17.17 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on American Express Co and its competitors. This is 39% above median its historical median of 12.37. Over the past decade, American Express Co's EV-to-FCF has ranged from 5.81 to 164.65. According to the industry distribution chart, American Express Co ranks #146 out of 264 companies in the Credit Services industry, placing it in the top 55.3%.
Is American Express Co's EV-to-FCF too high?
American Express Co's current EV-to-FCF of 17.17 is 39% above median its 10-year median of 12.37. Over the past 10 years, this metric has ranged from a low of 5.81 to a high of 164.65. The Credit Services industry median EV-to-FCF is 13.28. American Express Co's value of 17.17 is 29.3% above this industry median. Based on the distribution chart, American Express Co ranks #146 out of 264 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 EV-to-FCF compare to COF and PYPL?
According to the Credit Services industry distribution chart, American Express Co ranks #146 out of 264 companies for EV-to-FCF. This places American Express Co in the lower half of its industry. The industry median EV-to-FCF is 13.28. American Express Co's value of 17.17 is 29.3% above this benchmark. Historically, American Express Co's own EV-to-FCF has ranged from 5.81 to 164.65 over the past decade. While the company's 10-year median is 12.37 vs. the industry median of 13.28, 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.28, based on 264 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Express Co's current EV-to-FCF of 17.17 is 29.3% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on American Express Co and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Express Co's current EV-to-FCF is 17.17, which is 39% above median its own 10-year median of 12.37. 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 (AXP) is currently considered Fairly Valued. The stock's GF Value™ is $322.74, compared to a current price of $350.58 — trading 8.6% above its estimated fair value. The current EV-to-FCF is 17.17, which is 39% above median its 10-year median of 12.37 and 29.3% above the Credit Services industry median of 13.28. American Express Co's overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For American Express Co (AXP), the current EV-to-FCF is 17.17 as of Jul. 11, 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 (AXP) Overvalued in 2026?
Based on GuruFocus' analysis, American Express Co stock appears to be overvalued.
The current stock price of $350.58 is trading 8.6% above its estimated GF Value™ of $322.74.
GuruFocus considers American Express Co to be Fairly Valued.
Key valuation signals for AXP:
EV-to-FCF: 17.17 (39% above median its 10-year median of 12.37)
GF Value™: $322.74 vs. price of $350.58 (8.6% above fair value)
Industry Position: 29.3% above the Credit Services median (#146 of 264)
No single metric tells the full story. See the 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.
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