American Express CoCHIX:AEC1D 78 OCF Margin % is 20.12% as of Mar. 2026, which is 28% below its 10-year median of 28.09. GuruFocus rates CHIX:AEC1D with a GF Score™ of 78/100 and a GF Value™ of €304.13. The stock has 3 warning signs investors should review. Among 531 Credit Services companies, American Express Co ranks better than 65.73% on this metric.
The historical rank and industry rank for American Express Co's OCF Margin % or its related term are showing as below:
CHIX:AEC1d'
s OCF Margin % Range Over the Past 10 Years
Min: 15.43 Med: 28.09 Max: 39.88
Current: 23.54
During the past 13 years, the highest OCF Margin % of American Express Co was 39.88%. The lowest was 15.43%. And the median was 28.09%.
CHIX:AEC1d's OCF Margin % is ranked better than 65.73% of 531
companies
in the Credit Services industry
Industry Median: 2.61
vs CHIX:AEC1d: 23.54
American Express Co OCF Margin % Related Terms
American Express Co OCF Margin % Historical Data
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The historical data trend for American Express Co's OCF 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.
CHIX:AEC1D vs COF, PYPL, AFRM: OCF Margin % Comparison
For the Credit Services subindustry, American Express Co's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, American Express Co's OCF Margin % distribution charts can be found below:
* The bar in red indicates where American Express Co's OCF 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 (CHIX:AEC1D) has a OCF Margin % of 20.12% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on American Express Co and its competitors. This is 28% below median its historical median of 28.09. Over the past decade, American Express Co's OCF Margin % has ranged from 15.43 to 39.88. According to the industry distribution chart, American Express Co ranks #182 out of 531 companies in the Credit Services industry, placing it in the top 34.3%.
Is American Express Co's OCF Margin % too high?
American Express Co's current OCF Margin % of 20.12% is 28% below median its 10-year median of 28.09. Over the past 10 years, this metric has ranged from a low of 15.43 to a high of 39.88. The Credit Services industry median OCF Margin % is 2.61. American Express Co's value of 20.12% is 670.9% above this industry median. Based on the distribution chart, American Express Co ranks #182 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 OCF Margin % compare to COF and PYPL?
According to the Credit Services industry distribution chart, American Express Co ranks #182 out of 531 companies for OCF Margin %. This puts American Express Co in the upper half of its industry. The industry median OCF Margin % is 2.61. American Express Co's value of 20.12% is 670.9% above this benchmark. Historically, American Express Co's own OCF Margin % has ranged from 15.43 to 39.88 over the past decade. While the company's 10-year median is 28.09 vs. the industry median of 2.61, 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.61, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Express Co's current OCF Margin % of 20.12% is 670.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on American Express Co and its competitors. For the Credit Services industry, the median OCF Margin % is 2.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Express Co's current OCF Margin % is 20.12%, which is 28% below median its own 10-year median of 28.09. 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 (CHIX:AEC1D) has a current OCF Margin % of 20.12%. The stock's GF Value™ is €304.13, compared to a current price of €319.95 — trading 5.2% above its estimated fair value. The current OCF Margin % is 20.12%, which is 28% below median its 10-year median of 28.09 and 670.9% above the Credit Services industry median of 2.61. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For American Express Co (CHIX:AEC1D), the current OCF Margin % is 20.12% 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.
Is American Express Co (CHIX:AEC1D) Overvalued in 2026?
Based on GuruFocus' analysis, American Express Co stock appears to be overvalued.
The current stock price of €319.95 is trading 5.2% above its estimated GF Value™ of €304.13.
Key valuation signals for CHIX:AEC1D:
OCF Margin %: 20.12% (28% below median its 10-year median of 28.09)
GF Value™: €304.13 vs. price of €319.95 (5.2% above fair value)
Industry Position: 670.9% above the Credit Services median (#182 of 531)
No single metric tells the full story. See the CHIX:AEC1D 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.
78GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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