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 | — | — | — |
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 | $5.8b | $5.4b | $6.1b | 93.7% | — |
| 2017 | $6.4b (11.6%) | $2.7b (-49.4%) | $10.9b (80.3%) | 42.5% (-54.7%) | $3.00 |
| 2018 | $40.3b (526.3%) | $6.9b (153.0%) | $3.5b (-68.0%) | 17.2% (-59.6%) | $7.93 (164.3%) |
| 2019 | $28.2b (-30.2%) | $6.8b (-2.3%) | $2.5b (-29.5%) | 24.0% (39.9%) | $8.00 (0.9%) |
| 2020 | $22.0b (-22.0%) | $3.1b (-53.6%) | $-15.0b (-707.1%) | 14.3% (-40.6%) | $3.77 (-52.9%) |
| 2021 | $27.7b (26.1%) | $8.1b (157.1%) | $13.1b (187.7%) | 29.1% (103.8%) | $10.04 (166.3%) |
| 2022 | $34.2b (23.5%) | $7.5b (-6.8%) | $16.9b (28.8%) | 22.0% (-24.5%) | $9.86 (-1.8%) |
| 2023 | $37.2b (8.8%) | $8.4b (11.4%) | $17.0b (0.5%) | 22.5% (2.5%) | $11.23 (13.9%) |
| 2024 | $38.8b (4.3%) | $10.1b (21.0%) | $12.5b (-26.7%) | 26.1% (16.0%) | $14.04 (25.0%) |
| 2025 | $41.3b (6.4%) | $10.8b (7.0%) | $16.7b (33.8%) | 26.2% (0.5%) | $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.