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Inferra AI / Company / AXP

American Express

AXP · Financials

Last earnings Oct 23, 2026

Key results

Net incomequarter

$2.9 billion

net income of $2.9 billion, compared with

SEC original ↗American Express — Earnings release (8-K exhibit)EX-99Oct 17, 2025

net income of $2.5 billion a year ago.

SEC original ↗American Express — Earnings release (8-K exhibit)EX-99Oct 17, 2025

EPSquarter

$4.14

Earnings per share was $4.14, up 19 percent from $3.49 a year ago.

SEC original ↗American Express — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Growthquarter

up 19 percent

Earnings per share was $4.14, up 19 percent from $3.49 a year ago.

SEC original ↗American Express — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Revenuequarter

11 percent

Squeri Chairman and Chief Executive Officer We delivered a very strong quarter, with revenues growing 11 percent year-over-year to a record $ 18.4 billion, and EPS rising 19 percent to $ 4.14 .

SEC original ↗American Express — Earnings release (8-K exhibit)EX-99Oct 17, 2025

1 AMERICAN EXPRESS Q3 2025 RESULTS Consolidated Financial Results Business Highlights Third-quarter consolidated total revenues net of interest expense were $18.4 billion, up 11 percent year-over-year.

SEC original ↗American Express — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Dividendquarter

$14 million

(A) Represents net income, less (i) earnings allocated to participating share awards of $20 million, $18 million, $18 million, $17 million and $18 million in Q3'25, Q2'25, Q1'25, Q4'24 and Q3'24, respectively and (ii) dividends on preferred shares of $14 million, $15 million, $14 million, $14 million and $15 million in Q3'25, Q2'25, Q1'25, Q4'24 and Q3'24, respectively.

SEC original ↗American Express — Earnings release (8-K exhibit)EX-99Oct 17, 2025

AI analysis

Q3 2025 · reported Oct 17, 2025

Based on: Earnings release + parent 8-K — transcript not held

EPS · Q3 2025
$4.14
EX-99 · Oct 17, 2025
Net income · Q3 2025
$2.9B
EX-99 · Oct 17, 2025
Growth · Q3 2025
up 19 percent
EX-99 · Oct 17, 2025
Revenue · Q3 2025
11 percent
EX-99 · Oct 17, 2025

Headline figures

MetricQ3 2025Prior qtrYear ago
Net income$2.9 billion——
EPS$4.14——
Growthup 19 percent——
Revenue11 percent——
Dividend$14 million——

EX-99 · Oct 17, 2025

Guidance · company-stated

Direction: Raised

Revenue$18.4 BILLION

“htm EX-99.1 Document EXHIBIT 99.1 AMERICAN EXPRESS THIRD-QUARTER REVENUE INCREASED 11% TO RECORD $18.4 BILLION, AND EARNINGS PER SHARE ROSE 19% TO $4.14 CARD MEMBER SPEND GROWTH ACCELERATED TO 9%, OR 8% FX-ADJUSTED COMPANY RAISES FY 2025 GUIDANCE TO REVENUE GROWTH OF 9% TO 10% AND EPS OF $15.20 TO $15.50 U.”

Revenue

“Given our strong performance year to date, we are raising our full-year guidance to revenue growth of 9 to 10 percent and EPS of $15.20 to $15.50.”

Company outlook — Raised

“Reserve releases and reserve builds represent the portion of the provisions for credit losses for the period related to increasing or decreasing reserves for credit losses as a result of, among other things, changes in volumes, macroeconomic outlook, portfolio composition, and credit quality of portfolios.”

Classified from the release's primary full-year outlook statement.

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Dividend$14M

(A) Represents net income, less (i) earnings allocated to participating share awards of $20 million, $18 million, $18 million, $17 million and $18 million in Q3'25, Q2'25, Q1'25, Q4'24 and Q3'24, respectively and (ii) dividends on preferred shares of $14 million, $15 million, $14 million, $14 million and $15 million in Q3'25, Q2'25, Q1'25, Q4'24 and Q3'24, respectively.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Earnings per share was $4.14, up 19 percent from $3.49 a year ago

Based on: Earnings release + parent 8-K — transcript not held

Guidance & outlook

Direction: Raised

Revenue: “htm EX-99.1 Document EXHIBIT 99.1 AMERICAN EXPRESS THIRD-QUARTER REVENUE INCREASED 11% TO RECORD $18.4 BILLION, AND EARNINGS PER SHARE ROSE 19% TO $4.14 CARD MEMBER SPEND GROWTH ACCELERATED TO 9%, OR 8% FX-ADJUSTED COMPANY RAISES FY 2025 GUIDANCE TO REVENUE GROWTH OF 9% TO 10% AND EPS OF $15.20 TO $15.50 U.”

Revenue: “Given our strong performance year to date, we are raising our full-year guidance to revenue growth of 9 to 10 percent and EPS of $15.20 to $15.50.”

Revenue — Raised (“INCREASED”)
“htm EX-99.1 Document EXHIBIT 99.1 AMERICAN EXPRESS THIRD-QUARTER REVENUE INCREASED 11% TO RECORD $18.4 BILLION, AND EARNINGS PER SHARE ROSE 19% TO $4.14 CARD MEMBER SPEND GROWTH ACCELERATED TO 9%, OR 8% FX-ADJUSTED COMPANY RAISES FY 2025 GUIDANCE TO REVENUE GROWTH OF 9% TO 10% AND EPS OF $15.20 TO $15.50 U.”

Revenue — Raised (“raising”)
“Given our strong performance year to date, we are raising our full-year guidance to revenue growth of 9 to 10 percent and EPS of $15.20 to $15.50.”

Company outlook — Raised (“increasing”)
“Reserve releases and reserve builds represent the portion of the provisions for credit losses for the period related to increasing or decreasing reserves for credit losses as a result of, among other things, changes in volumes, macroeconomic outlook, portfolio composition, and credit quality of portfolios.”

Classified from the release's primary full-year outlook statement.

Capital allocation

(A) Represents net income, less (i) earnings allocated to participating share awards of $20 million, $18 million, $18 million, $17 million and $18 million in Q3'25, Q2'25, Q1'25, Q4'24 and Q3'24, respectively and (ii) dividends on preferred shares of $14 million, $15 million, $14 million, $14 million and $15 million in Q3'25, Q2'25, Q1'25, Q4'24 and Q3'24, respectively.

SEC original ↗American Express — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Strategy & priorities

Looking ahead, we are confident in our growth prospects as we continue to execute our proven product refresh strategy and enhance our powerful Membership Model to deliver value for our Card Members, merchant partners, and shareholders.

SEC original ↗American Express — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Proprietary new cards acquired is useful as a measure of the effectiveness of our customer acquisition strategy.

SEC original ↗American Express — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Risks & headwinds

or global economic growth, changes to consumer and business confidence, higher rates of unemployment, global trade relations and the effects of announced or future tariffs, international tensions, hostilities and instability, changes in interest rates, inflation, supply chain issues, market volatility, energy costs, the duration of the U.

SEC original ↗American Express — Earnings release (8-K exhibit)EX-99Oct 17, 2025

A further description of these uncertainties and other risks can be found in American Express Company s Annual Report on Form 10-K for the year ended December 31, 2024, Quarterly Reports on Form 10-Q for the quarters ended March 31 and June 30, 2025 and the company s other reports filed with the SEC, including in the Form 8-K Cautionary Note.

SEC original ↗American Express — Earnings release (8-K exhibit)EX-99Oct 17, 2025

A further description of these uncertainties and other risks can be found in the Company s Annual Report on Form 10-K for the year ended December 31, 2024, Quarterly Reports on Form 10-Q for the quarters ended March 31 and June 30, 2025 and the Company s other reports filed with the Securities and Exchange Commission.

SEC original ↗American Express — 8-K Current report8-KOct 17, 2025

Documents

Earnings deck slides

1 deck with slide view

Competitors

Competitors & peers

Named in the company’s own filings

Global Payments (GPN)“8 Table of Contents COMPETITION We compete in the global payments industry with networks, issuers, acquirers and other payment service providers and methods of payment, including paper-based transactions (e.g., cash and checks) and electronic transfers (e.g., wire transfers and Automated Clearing House (ACH)), as well as evolving and growing alternative mechanisms, systems and products that levera”Financial Institutions Inc. (FISI)“As a card issuer, we compete with financial institutions that issue general-purpose credit and debit cards, as well as businesses that issue private label cards, operate mobile wallets, provide payment services or extend credit.”Visa Inc. (V)“Our global card network competes in the global payments industry with other card networks, including, among others, Visa, China UnionPay, Mastercard, JCB, Discover and Diners Club International (the last two of which are owned by Capital One).”Mastercard (MA)“Our global card network competes in the global payments industry with other card networks, including, among others, Visa, China UnionPay, Mastercard, JCB, Discover and Diners Club International (the last two of which are owned by Capital One).”Capital One (COF)“Our global card network competes in the global payments industry with other card networks, including, among others, Visa, China UnionPay, Mastercard, JCB, Discover and Diners Club International (the last two of which are owned by Capital One).”PayPal (PYPL)“In addition to such networks, we compete against a range of companies globally, including merchant acquirers, processors, payment facilitators and web- and mobile-based payment platforms (e.g., Alipay, PayPal and Shop Pay), as well as regional payment networks (such as the National Payments Corporation of India).”

Filings

61 documents

Earnings releases

24 documents

Presentations

1 document

Transcripts

0 documents

No transcripts for American Express are held in this edition of the library.

Mentioned by

6 companies

Other tracked companies whose held documents mention American Express by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.