American Express Company

LSE:0R3C Stock Report

Market Cap: US$229.8b

American Express Valuation

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

Valuation Score

2/6

Valuation Score 2/6

  • 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.

US$315.22
Fair Value
4.6% overvalued intrinsic discount
24
Number of Analysts

Below Fair Value: 0R3C ($329.61) is trading above our estimate of fair value ($315.22)

Significantly Below Fair Value: 0R3C is trading above our estimate of fair value.

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 Ratio22.9x
EarningsUS$10.02b
Market CapUS$229.81b

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 Average26.6x
LSEG London Stock Exchange Group
45.3x16.63%UK£44.7b
III 3i Group
8.5x11.46%UK£42.7b
IPF International Personal Finance
6.6x3.54%UK£474.4m
FCH Funding Circle Holdings
46.2x60.56%UK£388.5m
0R3C American Express
22.9x9.13%US$229.8b

Price-To-Earnings vs Peers: 0R3C is good value based on its Price-To-Earnings Ratio (22.9x) compared to the peer average (26.6x).

Price to Earnings Ratio vs Industry

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

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
0R3C 22.9xIndustry Avg. 10.1xNo. of Companies5PE0612182430+
0 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 0R3C is expensive based on its Price-To-Earnings Ratio (22.9x) compared to the European Consumer Finance industry average (10.1x).

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 Ratio22.9x
Fair PE Ratio26.3x

Price-To-Earnings vs Fair Ratio: 0R3C is good value based on its Price-To-Earnings Ratio (22.9x) compared to the estimated Fair Price-To-Earnings Ratio (26.3x).

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$329.61
US$329.62
+0.0029%
11.52%US$394.00US$265.00n/a24
Sep ’26US$332.25
US$321.23
-3.32%
9.77%US$375.00US$265.00n/a25
Aug ’26US$292.08
US$321.54
+10.08%
9.82%US$375.00US$265.00n/a25
Jul ’26US$324.38
US$299.14
-7.78%
13.07%US$371.00US$240.00n/a26
Jun ’26US$293.57
US$295.48
+0.65%
12.33%US$371.00US$240.00n/a26
May ’26US$270.66
US$289.87
+7.10%
13.26%US$371.00US$230.00n/a26
Apr ’26US$267.64
US$309.96
+15.81%
12.18%US$371.00US$231.57n/a25
Mar ’26US$296.95
US$316.78
+6.68%
11.83%US$371.00US$231.57n/a25
Feb ’26US$316.49
US$313.18
-1.04%
12.44%US$371.00US$230.00n/a25
Jan ’26US$296.21
US$288.44
-2.62%
10.98%US$350.00US$230.00n/a23
Dec ’25US$304.68
US$279.30
-8.33%
10.56%US$326.00US$230.00n/a24
Nov ’25US$273.52
US$272.84
-0.25%
9.61%US$325.00US$230.00n/a24
Oct ’25US$270.16
US$257.61
-4.65%
9.09%US$300.00US$210.00US$331.8223
Sep ’25US$257.38
US$253.26
-1.60%
8.83%US$285.00US$210.00US$332.2523
Aug ’25US$247.75
US$252.65
+1.98%
9.36%US$285.00US$197.00US$292.0823
Jul ’25US$234.15
US$238.34
+1.79%
10.68%US$275.00US$175.00US$324.3824
Jun ’25US$237.75
US$236.62
-0.47%
10.79%US$267.06US$175.00US$293.5721
May ’25US$232.30
US$224.54
-3.34%
16.35%US$267.06US$125.00US$270.6624
Apr ’25US$227.94
US$209.34
-8.16%
14.61%US$255.00US$125.00US$267.6424
Mar ’25US$220.19
US$206.40
-6.26%
13.50%US$240.00US$125.00US$296.9525
Feb ’25US$202.67
US$202.88
+0.11%
12.87%US$240.00US$125.00US$316.4926
Jan ’25US$187.59
US$176.84
-5.73%
12.06%US$228.00US$125.00US$296.2125
Dec ’24US$173.55
US$171.92
-0.94%
10.28%US$201.00US$125.00US$304.6824
Nov ’24US$146.68
US$171.13
+16.67%
10.42%US$201.00US$125.00US$273.5223
Oct ’24US$148.70
US$179.86
+20.95%
11.23%US$203.00US$125.00US$270.1621
US$328.99
Fair Value
0.2% overvalued intrinsic discount
24
Number of Analysts

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

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/05 06:38
End of Day Share Price 2025/10/03 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

American Express Company is covered by 62 analysts. 22 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Stephen BiggarArgus Research Company
David GeorgeBaird
Bruce HartingBarclays