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Jun 30
American Express Q2 2025 Earnings Report
American Express reported record Q2 2025 revenue and solid earnings, driven by strong Card Member spending.
Key Takeaways
American Express delivered record Q2 2025 revenue of $17.9B, supported by increased Card Member spending and premium product demand. EPS stood at $4.08, with net income of $2.9B, slightly down from last year. The company reaffirmed its full-year guidance, highlighting confidence in sustained growth.
Record revenue of $17.9B driven by strong Card Member spending
EPS at $4.08; net income of $2.9B slightly declined YoY
Reaffirmed full-year guidance for 2025 with EPS of $15.00 to $15.50
Upcoming refresh of U.S. Consumer and Business Platinum Cards to sustain premium leadership
American Express
American Express
American Express Revenue by Segment
Revenue by Segment
U.S. Consumer Services Revenue
CapyFin.comCommercial Services Revenue
CapyFin.comInternational Card Services Revenue
CapyFin.comGlobal Merchant & Network Services Revenue
CapyFin.com Forward Guidance
The company reaffirmed its 2025 guidance, expecting revenue growth of 8-10% and EPS of $15.00 to $15.50, driven by strong Card Member spending and premium product refreshes.
Positive Outlook
- Reaffirmed full-year revenue growth of 8-10%
- Full-year EPS guidance of $15.00 to $15.50 maintained
- Strong demand for premium products continues
- Upcoming U.S. Platinum Card refresh expected to drive growth
- Best-in-class credit performance maintained
Challenges Ahead
- Net income slightly declined YoY
- Higher total expenses driven by technology and risk management investments
- Higher credit loss provisions compared to last year
- Increased variable customer engagement costs
- Macroeconomic conditions remain a potential risk to spending growth