What Is AXP Fair Value?
American Express Company (AXP) fair value estimate using multiple valuation models, updated daily.
As of October 31, 2026, American Express Company (AXP) has a composite fair value estimate of $474.64 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $319.11, suggesting the stock is undervalued by 48.7%.
Data as of October 31, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$474.64
vs. current price of $319.11(+48.7%)
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 →
$852.49
+167.1%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 →
$129.04
-59.6%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 →
$148.51
-53.5%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.
$268.52
-15.9%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 $319.11 is 167.1% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $20.20B | $18.53B |
| Year 2 | $23.15B | $19.47B |
| Year 3 | $26.54B | $20.47B |
| Year 4 | $30.42B | $21.52B |
| Year 5 | $34.86B | $22.62B |
| Year 6 | $39.96B | $23.77B |
| Year 7 | $45.80B | $24.99B |
| Year 8 | $52.49B | $26.27B |
| Year 9 | $60.16B | $27.61B |
| Year 10 | $68.96B | $29.02B |
| Terminal Value | $1.08T | $454.79B |
What Are AXP's Key Financial Metrics?
Earnings & Growth
Current Price
$319.11
EPS (TTM)
$17.75
Forward P/E
15.8
Profit Margin
16.8%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$53.35
Total Debt
60B
What Do Analysts Say About AXP?
Low
$329.00
Average
$365.75
High
$425.00
Upside
+14.6%
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 $474.64. The stock is currently trading at $319.11, 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 $319.11 is 48.7% below our estimated fair value of $474.64.
What do Wall Street analysts say about AXP?
24 analysts cover American Express Company with a consensus rating of "Buy." The average price target is $365.75, ranging from $329.00 to $425.00. This implies 14.6% upside from the current price.