Discounted Cash Flow
American Express Co.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
| Dividends | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $35.4b | $5.4b | $6.1b | 15.3% | — |
| 2017 | $36.9b (4.1%) | $2.7b (-49.4%) | $10.9b (80.3%) | 7.4% (-51.4%) | $3.00 |
| 2018 | $40.3b (9.4%) | $6.9b (153.0%) | $3.5b (-68.0%) | 17.2% (131.3%) | $7.93 (164.3%) |
| 2019 | $43.6b (8.0%) | $6.8b (-2.3%) | $2.5b (-29.5%) | 15.5% (-9.6%) | $8.00 (0.9%) |
| 2020 | $36.1b (-17.1%) | $3.1b (-53.6%) | $-15.0b (-707.1%) | 8.7% (-44.0%) | $3.77 (-52.9%) |
| 2021 | $42.4b (17.4%) | $8.1b (157.1%) | $13.1b (187.7%) | 19.0% (118.9%) | $10.04 (166.3%) |
| 2022 | $52.9b (24.7%) | $7.5b (-6.8%) | $16.9b (28.8%) | 14.2% (-25.3%) | $9.86 (-1.8%) |
| 2023 | $60.5b (14.5%) | $8.4b (11.4%) | $17.0b (0.5%) | 13.8% (-2.6%) | $11.23 (13.9%) |
| 2024 | $65.9b (9.0%) | $10.1b (21.0%) | $12.5b (-26.7%) | 15.4% (11.0%) | $14.04 (25.0%) |
| 2025 | $72.2b (9.5%) | $10.8b (7.0%) | $16.7b (33.8%) | 15.0% (-2.3%) | $15.41 (9.8%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.