What Is AXP Fair Value?
American Express Company (AXP) fair value estimate using multiple valuation models, updated daily.
As of September 15, 2026, American Express Company (AXP) has a composite fair value estimate of $491.54 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $324.43, suggesting the stock is undervalued by 51.5%.
Data as of September 15, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$491.54
vs. current price of $324.43(+51.5%)
How Is AXP Fair Value Calculated?
Four independent models estimate what AXP is worth. Each uses different inputs and assumptions. The composite blends them by weight.
AXP Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$902.83
+178.3%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$134.87
-58.4%Overvalued
Inputs used
AXP Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$142.14
-56.2%Overvalued
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$256.10
-21.1%Overvalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $324.43 is 178.3% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $21.15B | $19.42B |
| Year 2 | $24.21B | $20.41B |
| Year 3 | $27.72B | $21.45B |
| Year 4 | $31.74B | $22.55B |
| Year 5 | $36.34B | $23.70B |
| Year 6 | $41.60B | $24.91B |
| Year 7 | $47.62B | $26.18B |
| Year 8 | $54.52B | $27.52B |
| Year 9 | $62.42B | $28.92B |
| Year 10 | $71.46B | $30.40B |
| Terminal Value | $1.14T | $485.16B |
What Are AXP's Key Financial Metrics?
Earnings & Growth
Current Price
$324.43
EPS (TTM)
$16.49
Forward P/E
16.1
Profit Margin
16.1%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$50.79
Total Debt
59.1B
What Do Analysts Say About AXP?
Low
$315.00
Average
$375.96
High
$450.00
Upside
+15.9%
AXP Fair Value FAQ
What is the fair value of AXP?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), AXP's estimated fair value is $491.54. The stock is currently trading at $324.43, which makes it undervalued by our analysis.
How is AXP's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is AXP overvalued or undervalued?
Based on our analysis, AXP is undervalued. The current price of $324.43 is 51.5% below our estimated fair value of $491.54.
What do Wall Street analysts say about AXP?
25 analysts cover American Express Company with a consensus rating of "Buy." The average price target is $375.96, ranging from $315.00 to $450.00. This implies 15.9% upside from the current price.