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Mar 31, 2025
American Express Q1 2025 Earnings Report
Reported strong first-quarter results with revenue and EPS growth driven by increased card member spending and net interest income.
Key Takeaways
American Express delivered solid performance in Q1 2025, achieving $17.0B in revenue and $2.6B in net income. Results were supported by increased card member activity and robust credit metrics.
Revenue reached $17.0B, up 7% year-over-year.
EPS increased to $3.64, up from $3.33 in Q1 2024.
Net income rose to $2.6B driven by growth in card fees and interest income.
Company maintained full-year revenue and EPS guidance despite macro uncertainties.
Forward Guidance
AmEx reaffirmed its full-year 2025 outlook with expectations of continued revenue and EPS growth despite external economic pressures.
Positive Outlook
- Full-year revenue growth expected to be 8–10%
- EPS guidance maintained at $15.00–$15.50
- Continued strength in card member spending
- Strong demand for premium products
- Stable credit trends support earnings visibility
Challenges Ahead
- Macroeconomic uncertainty remains a risk
- Potential impact from geopolitical tensions
- Higher write-offs due to loan growth
- Increased variable customer engagement costs
- Operating expense pressure from strategic investments
Historical Earnings Impact
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Avg. Return Before/After Earnings
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