American Express Company

LSE:0R3C Stock Report

Market Cap: US$201.1b

American Express Valuation

Is 0R3C undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0R3C when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 0R3C ($285.32) is trading below our estimate of fair value ($326.62)

Significantly Below Fair Value: 0R3C is trading below fair value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0R3C?

Key metric: As 0R3C is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 0R3C. This is calculated by dividing 0R3C's market cap by their current earnings.
What is 0R3C's PE Ratio?
PE Ratio20.6x
EarningsUS$9.76b
Market CapUS$201.15b

Price to Earnings Ratio vs Peers

How does 0R3C's PE Ratio compare to its peers?

The above table shows the PE ratio for 0R3C vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average27.4x
KSPI Kaspi.kz
12.2x17.0%US$22.8b
LSEG London Stock Exchange Group
83.6x21.9%UK£56.9b
III 3i Group
7.9x17.7%UK£33.3b
IPF International Personal Finance
5.8x10.3%UK£286.6m
0R3C American Express
20.6x7.4%US$201.1b

Price-To-Earnings vs Peers: 0R3C is good value based on its Price-To-Earnings Ratio (20.6x) compared to the peer average (27.4x).

Price to Earnings Ratio vs Industry

How does 0R3C's PE Ratio compare vs other companies in the European Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
0R3C 20.6xIndustry Avg. 8.3xNo. of Companies5PE0612182430+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 0R3C is expensive based on its Price-To-Earnings Ratio (20.6x) compared to the European Consumer Finance industry average (8.3x).

Price to Earnings Ratio vs Fair Ratio

What is 0R3C's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0R3C PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio20.6x
Fair PE Ratio26.4x

Price-To-Earnings vs Fair Ratio: 0R3C is good value based on its Price-To-Earnings Ratio (20.6x) compared to the estimated Fair Price-To-Earnings Ratio (26.4x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 0R3C forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$285.32
US$274.88
-3.7%
10.4%US$326.00US$230.00n/a24
Nov ’25US$273.52
US$272.84
-0.3%
9.6%US$325.00US$230.00n/a24
Oct ’25US$270.16
US$257.61
-4.6%
9.1%US$300.00US$210.00n/a23
Sep ’25US$257.38
US$253.26
-1.6%
8.8%US$285.00US$210.00n/a23
Aug ’25US$247.75
US$252.65
+2.0%
9.4%US$285.00US$197.00n/a23
Jul ’25US$234.15
US$238.34
+1.8%
10.7%US$275.00US$175.00n/a24
Jun ’25US$237.75
US$236.62
-0.5%
10.8%US$267.06US$175.00n/a21
May ’25US$232.30
US$224.54
-3.3%
16.3%US$267.06US$125.00n/a24
Apr ’25US$227.94
US$209.34
-8.2%
14.6%US$255.00US$125.00n/a24
Mar ’25US$220.19
US$206.40
-6.3%
13.5%US$240.00US$125.00n/a25
Feb ’25US$202.67
US$202.88
+0.1%
12.9%US$240.00US$125.00n/a26
Jan ’25US$187.59
US$176.84
-5.7%
12.1%US$228.00US$125.00n/a25
Dec ’24US$173.55
US$171.92
-0.9%
10.3%US$201.00US$125.00n/a24
Nov ’24US$146.68
US$171.13
+16.7%
10.4%US$201.00US$125.00US$273.5223
Oct ’24US$148.70
US$179.86
+21.0%
11.2%US$203.00US$125.00US$270.1621
Sep ’24US$159.62
US$179.67
+12.6%
11.2%US$203.00US$125.00US$257.3821
Aug ’24US$168.81
US$180.09
+6.7%
11.5%US$206.00US$125.00US$247.7522
Jul ’24US$174.31
US$177.92
+2.1%
10.9%US$206.00US$125.25US$234.1522
Jun ’24US$162.78
US$175.56
+7.9%
10.8%US$205.00US$125.25US$237.7522
May ’24US$160.44
US$179.86
+12.1%
8.7%US$205.00US$146.00US$232.3022
Apr ’24US$163.33
US$182.52
+11.8%
8.9%US$205.00US$149.00US$227.9421
Mar ’24US$176.34
US$182.38
+3.4%
9.0%US$205.00US$149.00US$220.1921
Feb ’24US$173.32
US$179.33
+3.5%
9.2%US$205.00US$149.00US$202.6721
Jan ’24US$147.41
US$162.57
+10.3%
10.9%US$201.00US$128.00US$187.5921
Dec ’23US$157.21
US$161.95
+3.0%
10.9%US$201.00US$128.00US$173.5520
Nov ’23US$147.18
US$161.42
+9.7%
10.8%US$201.00US$128.00US$146.6819

Analyst Forecast: Target price is lower than the current share price.

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