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AXP

American Express Co. — Beer Score

AXP · US Equity · Financials — Credit Services
$290.00
Market Price (indicative) · Mar 2026
↓ Price vs intrinsic
Reference price only. Not an official exchange feed.
69
/ 100
Fair Pour — Est. 31% Speculation
Updated: Mar 2026 · Model: DCF v1.0
Not investment advice · Model-based estimate
Estimated Value (Beer)
$200.00
69%
Est. Speculation Premium (Foam)
$90.00
31%
🍺 69% Est. Fundamental Value 🫧 31% Est. Speculation
Track Score Alerts (Pro) See Model Assumptions ↓

Key Financials

TTM
Revenue$65B
Net Income$10B
Free Cash Flow$12B
P/E Ratio22.0x
EPS (TTM)$13.00
Market Cap$215B
Total Debt$50B
Cash & Equiv.$30B

DCF Valuation

Model Estimate
$200
Est. intrinsic value (DCF model)
vs $290.00 market price
Our model suggests the current price is ~45% above the estimated intrinsic value. The market may be pricing in growth beyond current fundamentals.
WACC8.5%
Growth Rate (5yr)8%
Terminal Growth3%
Margin of Safety-45%

Model output varies with assumptions. This is not a price target or investment recommendation.

Score History — 90 Days

Pro
90d Low
51
90d High
84
Zone Changes
2

American Express Co. Stock Valuation Analysis — Beer Score Breakdown

American Express Co.'s Beer Score of 69 means that, according to our DCF model, more than half of its current $290.00 stock price is supported by the company's existing fundamentals — revenue, earnings, free cash flow, and assets. The remaining 31% represents an estimated premium the market places on future growth expectations.

Investors buying at this level are betting that future earnings will grow fast enough to close the gap between price and our model estimated intrinsic value.

How Beer Score Is Calculated for AXP

We pull American Express Co.'s latest 10-K and 10-Q filings from SEC EDGAR, run a DCF analysis using a 8.5% WACC and 8% revenue growth rate over 5 years with 3% terminal growth, then compare the resulting model estimate ($200) against the current market price ($290.00). The Beer Score of 69 represents the ratio: $200 ÷ $290.00 = 69%. Model output varies with assumptions. Learn more about our methodology →

Important Information

Beer Score is an educational indicator, not investment advice. It measures the model-estimated gap between a stock's current market price and an estimated intrinsic value derived from public financial data. A low Beer Score does not mean "sell" and a high score does not mean "buy." Past Beer Score patterns do not predict future price movements. Model output varies with assumptions (WACC, growth rate, terminal growth, margins).

Prices shown are indicative reference prices for educational purposes only and are not sourced from an official exchange feed. Data sources include SEC EDGAR filings (10-K and 10-Q), indicative market price data, and proprietary DCF models. Scores update daily after market close. For the full ranking of all stocks, visit the Beer Score Heatmap or read Today's Foam Report.

Track AXP's Beer Score Over Time

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About This Valuation

Why does American Express Co. have a Beer Score of 69?
American Express Co. (AXP) scores 69 because the stock is currently trading roughly 45% above its estimated intrinsic value of $200. The Beer Score reflects that 69% of the price is backed by estimated fundamental value.
Is AXP overvalued or undervalued?
Based on our DCF model, American Express Co. appears moderately overvalued. The estimated intrinsic value of $200 compared to the current price of $290.00 carries a 31% speculation premium. This is a model-based estimate using 8.5% WACC — not a buy or sell recommendation.
What assumptions drive the $200 intrinsic value estimate?
The DCF model uses a 8.5% weighted average cost of capital and projects 8% annual revenue growth over five years. Terminal growth is set at 3%. The model is most sensitive to the growth rate and WACC inputs — small changes in either significantly alter the output.

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