Skip to main content

American Express Co (AXP)

Consumer Finance
Servicios Financieros
cíclico
sensible a tipos de interés

American Express Company, together with its subsidiaries, operates as integrated payments company in the United States, Europe, the Middle East and Africa, the Asia Pacific, Australia, New Zealand, Latin America, Canada, the Caribbean, and Internationally. It operates through four segments: U.S. Consumer Services, Commercial Services, International Card Services, and Global Merchant and Network Services. The company’s products and services include credit card, charge card, banking, and other payment and financing products; network services; expense management products and services; and travel and lifestyle services. It also provides merchant acquisition and processing, servicing and settlement, point-of-sale marketing, and information products and services for merchants; and fraud prevention services, as well as the design and operation of customer loyalty programs. In addition, the company leases and operates lounges at airports. Further, it designs and develops a software to manage company expenses. The company sells its products and services to consumers, small businesses, mid-sized companies, and large corporations through mobile and online applications, affiliate marketing, customer referral programs, third-party service providers and business partners, direct mail, telephone, in-house sales teams, telephone, and direct response advertising. American Express Company was founded in 1850 and is based in New York, New York.

Precio Actual

$370.42
-0.22% vs día anterior

Capitalización

255B

Desviación

+12.43%

Y/Y Growth

8.6%

EBIT Margin

27.1%

ROIC

7%

PEG Ratio

0.07

ROE

12.6%

3Y EPS Growth

268.3%

Dividend Yield

0.76%

Net Debt / EBITDA

1x

Proyecciones CAGR

Proyecciones de tasa de crecimiento anual compuesta basadas en diferentes modelos de valoración. CAGR EV/FCF es la métrica principal.

CAGR EV/FCF
8.6%
CAGR EV/FCF (2025):
-11.1%
CAGR Prom.:
8.6%
CAGR P/E:
8.8%
CAGR EV/EBITDA: 7.6%
CAGR EV/EBIT: 9.3%
Precio de compra para +15%:
$257.65

Múltiplos de Valoración

Múltiplos de valoración utilizados para las estimaciones de CAGR y precios objetivo.

P/E
20x
(Fair: 545x)
EV/FCF
20x
EV/EBITDA
12x
EV/EBIT
14x

Gráfico de Evolución del Precio

Precios Objetivo FCF

Precios futuros estimados de la acción basados en proyecciones de flujo de caja libre.

Calculadora de Sensibilidad

Compara el CAGR de tu valoración con el que resultaría al aplicar diferentes múltiplos (LTM y Fair P/E).

Mercado LTM P/E
25x
Fair P/E
545x
CAGR EV/FCF
Tu Múltiplo: 20x
8.6%
13.6%
110.3%
CAGR P/E
Tu Múltiplo: 20x
8.8%
13.8%
110.7%
Tu CAGR
CAGR con LTM
CAGR con Fair P/E

Notas

Rendimiento Histórico vs. Índices

Rendimiento anual (YTD) de la acción comparado con índices y materias primas de referencia.

Media vs. Bitcoin
-167.22%
Media vs. Gold
+5.17%
Media vs. Bono USA 7-10y
+20.65%
Media vs. Bono USA 1-3y
+20.10%
Media vs. Bono USA 20+y
+22.24%
Media vs. Dow Jones
+8.74%
Media vs. S&P 500
+5.87%
Media vs. NASDAQ 100
+0.45%
Media vs. MSCI World
+8.49%
Media vs. Russell 2000
+10.35%
Media vs. STOXX Europe 600
+14.67%
Rendimiento anual de cada inversión. La línea discontinua marca el 0% (punto de equilibrio).
Año
Rendimiento AXP
Rendimiento Bitcoin
Rendimiento vs. Bitcoin
Rendimiento Gold
Rendimiento vs. Gold
Rendimiento Bono USA 7-10y
Rendimiento vs. Bono USA 7-10y
Rendimiento Bono USA 1-3y
Rendimiento vs. Bono USA 1-3y
Rendimiento Bono USA 20+y
Rendimiento vs. Bono USA 20+y
Rendimiento Dow Jones
Rendimiento vs. Dow Jones
Rendimiento S&P 500
Rendimiento vs. S&P 500
Rendimiento NASDAQ 100
Rendimiento vs. NASDAQ 100
Rendimiento MSCI World
Rendimiento vs. MSCI World
Rendimiento Russell 2000
Rendimiento vs. Russell 2000
Rendimiento STOXX Europe 600
Rendimiento vs. STOXX Europe 600
2025
YTD en Vivo
24.10%-1.40%+25.50%57.46%-33.36%4.29%+19.81%0.99%+23.11%0.69%+23.41%13.12%+10.98%16.85%+7.25%22.29%+1.81%20.22%+3.88%12.99%+11.11%13.34%+10.76%
2024
57.61%110.77%-53.16%26.96%+30.65%-3.73%+61.34%0.05%+57.56%-11.17%+68.78%12.80%+44.80%24.01%+33.60%30.78%+26.83%17.88%+39.72%10.80%+46.81%5.50%+52.10%
2023
27.34%153.66%-126.32%11.76%+15.58%-0.15%+27.48%0.98%+26.35%-2.54%+29.88%13.74%+13.60%24.73%+2.61%44.52%-17.18%21.92%+5.41%15.78%+11.55%11.67%+15.67%
2022
-12.16%-65.23%+53.06%0.78%-12.94%-15.93%+3.77%-5.00%-7.17%-31.00%+18.84%-9.40%-2.77%-19.95%+7.79%-33.89%+21.73%-19.70%+7.54%-22.50%+10.34%-13.29%+1.12%
2021
38.60%60.33%-21.74%-6.24%+44.83%-4.15%+42.75%-0.98%+39.58%-5.94%+44.53%20.23%+18.37%28.79%+9.80%23.20%+15.39%21.22%+17.38%15.39%+23.21%21.66%+16.93%
2020
-3.93%301.93%-305.85%23.90%-27.83%8.33%-12.25%2.02%-5.94%15.12%-19.05%6.02%-9.94%15.29%-19.22%41.75%-45.68%12.94%-16.87%18.48%-22.41%-4.64%+0.71%
2019
30.11%88.85%-58.74%17.78%+12.33%5.55%+24.56%1.20%+28.92%10.91%+19.20%21.91%+8.20%28.34%+1.77%34.60%-4.49%25.23%+4.88%23.05%+7.06%23.42%+6.70%
2018
-3.66%-71.79%+68.13%-3.12%-0.54%-0.97%-2.69%-0.24%-3.42%-3.17%-0.49%-6.03%+2.37%-7.01%+3.35%-5.30%+1.64%-11.16%+7.50%-13.00%+9.34%-13.42%+9.76%
2017
31.80%1,184.56%-1,152.76%11.93%+19.87%0.76%+31.03%-0.63%+32.43%6.03%+25.76%24.33%+7.47%18.42%+13.38%27.16%+4.64%19.45%+12.34%12.45%+19.35%7.16%+24.64%
2016
9.60%109.91%-100.31%6.53%+3.07%-1.15%+10.75%-0.02%+9.63%-1.91%+11.51%15.24%-5.64%11.24%-1.64%9.79%-0.19%6.53%+3.07%22.42%-12.81%1.33%+8.27%
Media19.94%187.16%-167.22%14.77%+5.17%-0.71%+20.65%-0.16%+20.10%-2.30%+22.24%11.20%+8.74%14.07%+5.87%19.49%+0.45%11.45%+8.49%9.59%+10.35%5.27%+14.67%

Historial de Valoración

Historial de cambios significativos en los factores de valoración y precios objetivo a lo largo del tiempo. Los valores resaltados indican un cambio respecto a la valoración anterior.

Fecha de Valoración
Y/Y Growth
EBIT Margin
Net Debt/EBITDA
P/E
EV/FCF
EV/EBITDA
EV/EBIT
Objetivo 2025
Objetivo 2026
Objetivo 2027
Objetivo 2028
Objetivo 2029
11/5/20258.6%27.1%1x20x(545x)20x12x14x$329.48$369.58$414.66$463.56$518.23
10/26/20258.5%27.1%1x20x(26x)20x12x14x$328.81$369.77$413.04$461.33$515.26

Historial de Dividendos

Evolución de los dividendos por acción pagados durante los últimos 10 años.

Dividend Yield Actual
0.76%
Basado en 2025
Crecimiento Promedio
10.61%
CAGR últimos 10 años
Años Consecutivos
3
Años de crecimiento continuo
AñoDividendo por AcciónCrecimiento
2025
Actual
$2.80+16.67%
2024$2.40+15.38%
2023$2.08+20.93%
2022$1.72+0.00%
2021$1.72+4.88%
2020$1.64+10.81%
2019$1.48+10.45%
2018$1.34+9.84%
2017$1.22+7.96%
2016$1.13-
CAGR de Dividendos (2016 - 2025)
10.61%

Análisis de Outperformance

Rendimiento histórico vs índices principales y métricas de consistencia

Outperformance Promedio vs Índices

Rendimiento promedio comparado con los principales índices del mercado

Outperformance
Underperformance

Evolución del Rendimiento Año a Año

Rendimiento histórico con marcadores de mejores y peores años

🏆Best Year
2024
+57.61%
📉Worst Year
2022
-12.16%

Consistencia de Rendimiento

Porcentaje de años con rendimientos positivos

70%
7 of 10 years positive
Consistency ScoreExcellent
0%50%70%100%

AXP shows moderate consistency with positive returns in 70% of years.