American Express CoSTU:AEC3.PFD 78 FCF Margin % is 14.04% as of Mar. 2026, which is 43% below its 10-year median of 24.82. GuruFocus rates STU:AEC3.PFD with a GF Score™ of 78/100. The stock has 3 warning signs investors should review. Among 531 Credit Services companies, American Express Co ranks better than 64.6% on this metric.
The historical rank and industry rank for American Express Co's FCF Margin % or its related term are showing as below:
During the past 13 years, the highest FCF Margin % of American Express Co was 36.37%. The lowest was 11.35%. And the median was 24.82%.
STU:AEC3.PFD's FCF Margin % is not ranked *
in the Credit Services industry.
Industry Median: 0.24 * Ranked among companies with meaningful FCF Margin % only.
American Express Co FCF Margin % Related Terms
American Express Co FCF Margin % Historical Data
* Premium members only.
The historical data trend for American Express Co's FCF Margin % 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.
STU:AEC3.PFD vs COF, PYPL, AFRM: FCF Margin % Comparison
For the Credit Services subindustry, American Express Co's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, American Express Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where American Express Co's FCF Margin % 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.
American Express Co (STU:AEC3.PFD) has a FCF Margin % of 14.04% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on American Express Co and its competitors. This is 43% below median its historical median of 24.82. Over the past decade, American Express Co's FCF Margin % has ranged from 11.35 to 36.37. According to the industry distribution chart, American Express Co ranks #188 out of 531 companies in the Credit Services industry, placing it in the top 35.4%.
Is American Express Co's FCF Margin % too high?
American Express Co's current FCF Margin % of 14.04% is 43% below median its 10-year median of 24.82. Over the past 10 years, this metric has ranged from a low of 11.35 to a high of 36.37. The Credit Services industry median FCF Margin % is 0.24. American Express Co's value of 14.04% is 5750% above this industry median. Based on the distribution chart, American Express Co ranks #188 out of 531 companies in the Credit Services industry, which is above the industry midpoint. Overall, American Express Co has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does American Express Co's FCF Margin % compare to COF and PYPL?
According to the Credit Services industry distribution chart, American Express Co ranks #188 out of 531 companies for FCF Margin %. This puts American Express Co in the upper half of its industry. The industry median FCF Margin % is 0.24. American Express Co's value of 14.04% is 5750% above this benchmark. Historically, American Express Co's own FCF Margin % has ranged from 11.35 to 36.37 over the past decade. While the company's 10-year median is 24.82 vs. the industry median of 0.24, 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Express Co's current FCF Margin % of 14.04% is 5750% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on American Express Co and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Express Co's current FCF Margin % is 14.04%, which is 43% below median its own 10-year median of 24.82. 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 (STU:AEC3.PFD) has a current FCF Margin % of 14.04%. The current FCF Margin % is 14.04%, which is 43% below median its 10-year median of 24.82 and 5750% above the Credit Services industry median of 0.24. American Express Co's overall GF Score™ is 78/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For American Express Co (STU:AEC3.PFD), the current FCF Margin % is 14.04% as of Mar. 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.
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.
78GF Score
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