American Express/$AXP

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About American Express

American Express is a global financial institution, operating in about 130 countries, that provides consumers and businesses charge and credit card payment products. The company also operates a highly profitable merchant payment network. The firm operates in four segments: US consumer services, US commercial services, international card services, and global merchant and network services. In addition to payment products, the company's commercial business offers expense management tools, consulting services, and business loans.

Ticker

$AXP
Sector

Primary listing

NYSE

Employees

75,100

American Express Metrics

BasicAdvanced
$254B
24.77
$14.88
1.29
$2.34
0.89%

What the Analysts think about American Express

Analyst ratings (Buy, Hold, Sell) for American Express stock.

Bulls say / Bears say

In the third quarter of 2025, American Express’s net income surged 16% year-over-year to $2.9 billion, with earnings per share of $4.14 surpassing analyst forecasts and prompting a raise in full-year EPS guidance to $15.20–$15.50. (AP News)
International Card Services billed business grew 14% (13% FX-adjusted) in Q3 2025, driven by strong consumer and commercial spend across all regions outside the U.S. (SEC 10-Q)
The refreshed U.S. Consumer and Business Platinum Cards generated 500,000 conversion requests in just three weeks and doubled new U.S. Platinum account acquisitions post-refresh, underscoring strong product innovation and customer demand. (AP News)
American Express raised its second‐quarter 2025 provisions for credit losses to $1.4 billion from $1.3 billion a year earlier, signaling growing credit risk in its lending portfolio. (Reuters)
Second‐quarter 2025 operating expenses jumped 14% year-over-year to $12.9 billion due to higher investments in technology, enterprise risk management, and customer engagement, which may weigh on future margins. (American Express IR)
Intensifying competition in the premium credit card segment—highlighted by Citigroup’s planned launch of the Citi Strata Elite card—threatens to erode American Express’s affluent customer base and pressure fee revenue. (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 8 Nov 2025.

American Express Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

American Express Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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