The historical rank and industry rank for American Express Co's PB Ratio or its related term are showing as below:
BUE:AXP'
s PB Ratio Range Over the Past 10 Years
Min: 2.6 Med: 4.59 Max: 8.13
Current: 6.87
During the past 13 years, American Express Co's highest PB Ratio was 8.13. The lowest was 2.60. And the median was 4.59.
BUE:AXP's PB Ratio is ranked worse than 95.41% of 523
companies
in the Credit Services industry
Industry Median: 1.07
vs BUE:AXP: 6.87
During the past 12 months, American Express Co's average Book Value Per Share Growth Rate was 12.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 13.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of American Express Co was 17.80% per year. The lowest was -9.80% per year. And the median was 8.00% per year.
Back to Basics: PB Ratio
American Express Co (BUE:AXP) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
American Express Co PB Ratio Related Terms
American Express Co PB Ratio Historical Data
* Premium members only.
The historical data trend for American Express Co's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, American Express Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where American Express Co's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
American Express Co (BUE:AXP) has a PB Ratio of 0.05 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on American Express Co and its competitors. This is 99% below median its historical median of 4.59. Over the past decade, American Express Co's PB Ratio has ranged from 2.60 to 8.13. According to the industry distribution chart, American Express Co ranks #499 out of 523 companies in the Credit Services industry, placing it in the top 95.4%.
Is American Express Co's PB Ratio too high?
American Express Co's current PB Ratio of 0.05 is 99% below median its 10-year median of 4.59. Over the past 10 years, this metric has ranged from a low of 2.60 to a high of 8.13. The Credit Services industry median PB Ratio is 1.07. American Express Co's value of 0.05 is 95.3% below this industry median. Based on the distribution chart, American Express Co ranks #499 out of 523 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, American Express Co has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does American Express Co's PB Ratio compare to COF and PYPL?
According to the Credit Services industry distribution chart, American Express Co ranks #499 out of 523 companies for PB Ratio. This places American Express Co in the lower half of its industry. The industry median PB Ratio is 1.07. American Express Co's value of 0.05 is 95.3% below this benchmark. Historically, American Express Co's own PB Ratio has ranged from 2.60 to 8.13 over the past decade. While the company's 10-year median is 4.59 vs. the industry median of 1.07, American Express Co has consistently been below 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.07, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Express Co's current PB Ratio of 0.05 is 95.3% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on American Express Co and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Express Co's current PB Ratio is 0.05, which is 99% below median its own 10-year median of 4.59. 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 (BUE:AXP) is currently considered Fairly Valued. The stock's GF Value™ is ARS33,002.44, compared to a current price of ARS35,200.00 — trading 6.7% above its estimated fair value. The current PB Ratio is 0.05, which is 99% below median its 10-year median of 4.59 and 95.3% below the Credit Services industry median of 1.07. American Express Co's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For American Express Co (BUE:AXP), the current PB Ratio is 0.05 as of Jun. 26, 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 (BUE:AXP) Overvalued in 2026?
Based on GuruFocus' analysis, American Express Co stock appears to be overvalued.
The current stock price of ARS35,200.00 is trading 6.7% above its estimated GF Value™ of ARS33,002.44.
GuruFocus considers American Express Co to be Fairly Valued.
Key valuation signals for BUE:AXP:
PB Ratio: 0.05 (99% below median its 10-year median of 4.59)
GF Value™: ARS33,002.44 vs. price of ARS35,200.00 (6.7% above fair value)
Industry Position: 95.3% below the Credit Services median (#499 of 523)
No single metric tells the full story. See the BUE: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.
71GF Score
Get the complete analysis for BUE:AXP
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