American Express CoWBO:AXP +0.58%78 Price-to-Free-Cash-Flow is 16.71 as of Jun. 24, 2026, which is 71% above its 10-year median of 9.77. GuruFocus rates WBO:AXP with a GF Score™ of 78/100 and a GF Value™ of €281.94 (Fairly Valued). The stock has 3 warning signs investors should review. Among 255 Credit Services companies, American Express Co ranks worse than 69.02% on this metric.
As of today (2026-06-24), American Express Co's share price is €296.60.
American Express Co's Free Cash Flow per Share for the trailing twelve months (TTM) ended in Mar. 2026 was €17.76. Hence, American Express Co's Price-to-Free-Cash-Flow Ratio for today is 16.71.
The historical rank and industry rank for American Express Co's Price-to-Free-Cash-Flow or its related term are showing as below:
WBO:AXP'
s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.17 Med: 9.77 Max: 145.35
Current: 16.34
During the past 13 years, American Express Co's highest Price-to-Free-Cash-Flow Ratio was 145.35. The lowest was 5.17. And the median was 9.77.
WBO:AXP's Price-to-Free-Cash-Flow is ranked worse than 69.02% of 255
companies
in the Credit Services industry
Industry Median: 6.87
vs WBO:AXP: 16.34
During the past 12 months, the average Free Cash Flow per Share Growth Rate of American Express Co was 29.10% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was -3.50% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 23.90% per year.
During the past 10 years, the average Free Cash Flow per Share Growth Rate was 11.10% per year.
During the past 13 years, American Express Co's highest 3-Year average Free Cash Flow per Share Growth Rate was 128.60% per year. The lowest was -68.60% per year. And the median was 7.20% per year.
American Express Co (WBO:AXP) Price-to-Free-Cash-Flow Explanation
Free Cash Flow is considered more important than earnings by value investors. The reason is because, in principle, only the net cash that can be taken from the business belongs to shareholders. This Free Cash Flow can be used to grow the business, reduce debt or return to shareholders in dividends or share buybacks.
In a DCF Calculation Free Cash Flow is used to determine the intrinsic value of companies.
Be Aware
In real business, Free Cash Flow can be affected by the change in accounts receivable, accounts payable, management's decision on expansion, etc. Therefore, investors should look at the Free Cash Flow over the longer term. Long-term average of Free Cash Flow is a more reliable indicator for real free cash flow.
American Express Co Price-to-Free-Cash-Flow Related Terms
American Express Co Price-to-Free-Cash-Flow Historical Data
* Premium members only.
The historical data trend for American Express Co's Price-to-Free-Cash-Flow 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.
WBO:AXP vs COF, PYPL, AFRM: Price-to-Free-Cash-Flow Comparison
For the Credit Services subindustry, American Express Co's Price-to-Free-Cash-Flow, along with its competitors' market caps and Price-to-Free-Cash-Flow 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 Price-to-Free-Cash-Flow vs Credit Services Industry
For the Credit Services industry and Financial Services sector, American Express Co's Price-to-Free-Cash-Flow distribution charts can be found below:
* The bar in red indicates where American Express Co's Price-to-Free-Cash-Flow falls into.
American Express Co's Share Price of today is €296.60. American Express Co's Free Cash Flow per Share 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 €17.76.
* 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:
What does a Price-to-Free-Cash-Flow of 16.71 mean?
American Express Co (WBO:AXP) has a Price-to-Free-Cash-Flow of 16.71 as of Jun. 24, 2026. Price-to-free-cash-flow ratio is the ratio of share price to a company's free cash flow per share. View historical data on American Express Co and its competitors. This is 71% above median its historical median of 9.77. Over the past decade, American Express Co's Price-to-Free-Cash-Flow has ranged from 5.17 to 145.35. According to the industry distribution chart, American Express Co ranks #176 out of 255 companies in the Credit Services industry, placing it in the top 69%.
Is American Express Co's Price-to-Free-Cash-Flow too high?
American Express Co's current Price-to-Free-Cash-Flow of 16.71 is 71% above median its 10-year median of 9.77. Over the past 10 years, this metric has ranged from a low of 5.17 to a high of 145.35. The Credit Services industry median Price-to-Free-Cash-Flow is 6.87. American Express Co's value of 16.71 is 143.2% above this industry median. Based on the distribution chart, American Express Co ranks #176 out of 255 companies in the Credit Services industry, which is below the industry midpoint. Overall, American Express Co has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does American Express Co's Price-to-Free-Cash-Flow compare to COF and PYPL?
According to the Credit Services industry distribution chart, American Express Co ranks #176 out of 255 companies for Price-to-Free-Cash-Flow. This places American Express Co in the lower half of its industry. The industry median Price-to-Free-Cash-Flow is 6.87. American Express Co's value of 16.71 is 143.2% above this benchmark. Historically, American Express Co's own Price-to-Free-Cash-Flow has ranged from 5.17 to 145.35 over the past decade. While the company's 10-year median is 9.77 vs. the industry median of 6.87, 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 Price-to-Free-Cash-Flow for a Credit Services company?
The median Price-to-Free-Cash-Flow among Credit Services companies is 6.87, based on 255 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Free-Cash-Flow significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Free-Cash-Flow should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Express Co's current Price-to-Free-Cash-Flow of 16.71 is 143.2% 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 Price-to-Free-Cash-Flow mean?
A high Price-to-Free-Cash-Flow can signal that a stock is expensive relative to its fundamentals. Price-to-free-cash-flow ratio is the ratio of share price to a company's free cash flow per share. View historical data on American Express Co and its competitors. For the Credit Services industry, the median Price-to-Free-Cash-Flow is 6.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Express Co's current Price-to-Free-Cash-Flow is 16.71, which is 71% above median its own 10-year median of 9.77. 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 (WBO:AXP) is currently considered Fairly Valued. The stock's GF Value™ is €281.94, compared to a current price of €296.60 — trading 5.2% above its estimated fair value. The current Price-to-Free-Cash-Flow is 16.71, which is 71% above median its 10-year median of 9.77 and 143.2% above the Credit Services industry median of 6.87. 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 Price-to-Free-Cash-Flow calculated?
Price-to-Free-Cash-Flow is calculated from a company's financial statements. For American Express Co (WBO:AXP), the current Price-to-Free-Cash-Flow is 16.71 as of Jun. 24, 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 (WBO:AXP) Overvalued in 2026?
Based on GuruFocus' analysis, American Express Co stock appears to be overvalued.
The current stock price of €296.60 is trading 5.2% above its estimated GF Value™ of €281.94.
GuruFocus considers American Express Co to be Fairly Valued.
Key valuation signals for WBO:AXP:
Price-to-Free-Cash-Flow: 16.71 (71% above median its 10-year median of 9.77)
GF Value™: €281.94 vs. price of €296.60 (5.2% above fair value)
Industry Position: 143.2% above the Credit Services median (#176 of 255)
No single metric tells the full story. See the WBO: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.
78GF Score
Get the complete analysis for WBO:AXP
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