AXP is OVERVALUED SecDiverAI
Median Fair Price 173.79
Confidence: MEDIUM
Fair Price Range 98.7 - 197.16
1 Year Price target: $ 179.82 - $ 195.32
3 Year Price target: $ 192.52 - $ 246.72
Current Market Price: 251.31 as of 2025-04-18
Investment Value of 100 $ invested in AXP as compared to Market Index: SPY across historical periods[*does not include dividends]
Investment Period $ Value Today(AXP) $ Value Today(SPY) CAGR vs Market
9 years before $ 413.69 $ 208.39 17.09% vs SPY:8.5%
5 years before $ 216.73 $ 150.37 16.73% vs SPY:8.5%
3 years before $ 160.16 $ 127.73 17.0% vs SPY:8.5%
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We have 3 report results for ticker: AXP - American Express Company, also organized by 3 group tags below ... Bargain Finder: Related Companies Portfolio Health: Related Companies

Business Checklist for AXP from SecDiver AI beta Free for Limited Time

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Red Flags Identified


4

Total Checks Done


11

Wall Street Drivers beta

📊 Professional Investors(wallstreet) pay a lot of heed at these numbers, long term history matters - specially 9+ year trends
Score 8.0 / 10.0

  • revenue cagr for last 9 years
  • insight: ['6.65 is greater than equal to 5']
  • mental_model: We prefer growing Business which grow >= 5% YoY, better than GDP growth of >= 2-3%
  • operating profits cagr for last 9 years
  • insight: ['3.16 is NOT greater than equal to 5']
  • mental_model: We prefer growing Business which generate operating profits >= 5% YoY
  • shares outstanding cagr for last 9 years
  • insight: ['-54.08 is less than equal to 2']
  • mental_model: As a business owner equity is important, We want less dilution over years OR it should reduce so our share of business increases with time, less than 2% is ideal, >=10% is potentially bad be careful
  • net profits cagr for last 9 years
  • insight: ['5.71 is greater than equal to 5']
  • mental_model: We prefer growing Business which generate net profits >= 5% YoY

Business Durability beta

🏰 Quality companies with moats show higher or stable trends, long term trends matters, Consistency is the Key
Score 5.0 / 10.0

  • margin operating running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.18 wrt mean ratio: 0.209']
  • margin net running_sum for last 3 years
  • insight: ['trend is stable, last 3 year ratio: 0.15 wrt mean ratio: 0.146']

Business Trends last 3 years beta

Score 10.0 / 10.0

  • sales and marketing running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.09 wrt mean ratio: 0.141']
  • mental_model: Sales are marketing increases specially if its a Sales led growth Be Careful, With time you want Organic Growth and Customer Retention

Profits Matter beta

💰 Companies needs to have positive profits to reward its shareholders in the long term
Score 10.0 / 10.0

  • positive operating profits average for last 3 years
  • insight: ['10997666666.67 is greater than equal to 0']
  • mental_model: We want to see positive operating profits for last 3 years, Profits determine Stock prices in the long term
  • positive net profits average for last 3 years
  • insight: ['8672333333.33 is greater than equal to 0']
  • mental_model: We want to see positive net profits for last 3 years, GAAP net Profits determine Stock prices in the long term

Business Performance beta

Score 0.0 / 10.0

  • Operating Leverage cagr for last 9 years
  • insight: ['Ratio is [0.48] for last 9 year ratio, threshold 0.9, value_1: 3.16, value_2: 6.65']

Taxes, Interest and Unearned beta

📈Note: this is a new one, so do not use this for now, we are looking at data
Score 0.0 / 10.0

  • interest_income running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 0.31 wrt mean ratio: 0.244']

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1. Showing INCOME_SUMMARY report for AXP [show/hide charts] Current Market Price: 251.31 as of 2025-04-18
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
AXP revenue 65.95B 60.52B 52.86B 43.80B 36.09B 43.56B 40.34B 36.88B 35.44B 32.82B 34.29B 32.97B 31.58B 29.96B 27.58B 24.34B
AXP netincome 10.13B 8.37B 7.51B 8.06B 3.13B 6.76B 6.92B 2.75B 5.41B 5.16B 5.16B 5.36B 4.48B 4.93B 4.06B 2.13B
AXP operatingincome 12.89B 10.51B 9.59B 10.69B 4.30B 8.43B 8.12B 7.42B 8.10B 7.94B 8.99B 7.89B 6.45B 6.96B 5.96B 2.84B
AXP grossincome 65.95B 60.52B 52.86B 43.80B 36.09B 43.56B 40.34B 36.88B 35.44B 32.82B 34.29B 32.97B 31.58B 29.96B 27.58B 24.34B
AXP interest_income 23.80B 19.98B 12.66B 9.03B 10.08B 12.08B 10.61B 8.56B 7.48B 7.54B 7.18B 7.00B 6.85B 6.96B 7.29B 5.33B
AXP interest_expense 65.95B 60.52B 52.86B 43.80B 36.09B 43.56B 40.34B 36.88B 35.44B 32.82B 34.29B 32.97B 31.58B 29.96B 27.58B 24.34B
AXP shares 0.71B 0.74B 0.75B 0.79B 0.81B 0.83B 0.86B 0.89B 0.94B 1.00B 1051000.00B 1089000.00B 1141000.00B 1.18B 1.19B 1.17B
AXP shares_calc 0.70B 0.73B 0.77B 0.79B 0.81B 0.82B 0.85B 0.86B 0.92B 0.98B 1051000.00B 1089000.00B 1141000.00B 1141000.00B 1144854.73B 1125581.08B
AXP margin_gross 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
AXP margin_op 19.55% 17.37% 18.13% 24.40% 11.90% 19.35% 20.13% 20.13% 22.85% 24.19% 26.22% 23.92% 20.43% 23.22% 21.62% 11.67%
AXP margin_net 15.36% 13.84% 14.21% 18.40% 8.69% 15.52% 17.16% 7.45% 15.26% 15.73% 15.06% 16.25% 14.19% 16.47% 14.71% 8.75%
AXP costs:sm 6.04B 5.21B 5.46B 9.05B 6.75B 7.12B 6.48B 5.72B 6.25B 3.11B 3.22B 2.94B 0.0 0.0 0.0 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

2. Vertical Data, ratio wrt to shares_calc for AXP [show/hide charts] Current Market Price: 251.31 as of 2025-04-18
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
AXP revenue 93.62 83.04 68.96 55.69 44.82 53.23 47.22 42.83 38.72 33.34
AXP netincome 14.38 11.49 9.80 10.25 3.89 8.26 8.10 3.19 5.91 5.25
AXP operatingincome 18.31 14.43 12.50 13.59 5.34 10.30 9.51 8.62 8.85 8.07
AXP grossincome 93.62 83.04 68.96 55.69 44.82 53.23 47.22 42.83 38.72 33.34
AXP interest_income 33.78 27.42 16.51 11.48 12.52 14.77 12.42 9.94 8.18 7.67
AXP interest_expense 93.62 83.04 68.96 55.69 44.82 53.23 47.22 42.83 38.72 33.34
AXP shares 1.01 1.01 0.98 1.00 1.00 1.01 1.01 1.03 1.02 1.02
AXP shares_calc 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
AXP costs:sm 8.57 7.15 7.12 11.51 8.38 8.71 7.58 6.65 6.83 3.16
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

3. Vertical Data, ratio wrt to revenue for AXP [show/hide charts] Current Market Price: 251.31 as of 2025-04-18
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
AXP revenue 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
AXP netincome 15.36% 13.84% 14.21% 18.40% 8.69% 15.52% 17.16% 7.45% 15.26% 15.73% 15.06% 16.25% 14.19% 16.47% 14.71% 8.75%
AXP operatingincome 19.55% 17.37% 18.13% 24.40% 11.90% 19.35% 20.13% 20.13% 22.85% 24.19% 26.22% 23.92% 20.43% 23.22% 21.62% 11.67%
AXP grossincome 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
AXP interest_income 36.08% 33.02% 23.95% 20.62% 27.94% 27.74% 26.29% 23.22% 21.12% 22.99% 20.93% 21.24% 21.70% 23.23% 26.44% 21.91%
AXP interest_expense 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
AXP shares 1.08% 1.22% 1.42% 1.80% 2.23% 1.91% 2.13% 2.40% 2.64% 3.06% 3064854.78% 3302602.05% 3612817.43% 3.95% 4.31% 4.80%
AXP shares_calc 1.07% 1.20% 1.45% 1.80% 2.23% 1.88% 2.12% 2.33% 2.58% 3.00% 3064854.78% 3302602.05% 3612817.43% 3808157.00% 4150731.38% 4625168.81%
AXP costs:sm 9.16% 8.61% 10.32% 20.67% 18.70% 16.36% 16.06% 15.52% 17.63% 9.47% 9.38% 8.91% 0.0 0.0 0.0 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)


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