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Sep 30, 2025
American Express Q3 2025 Earnings Report
American Express posted strong Q3 2025 results with revenue and EPS growth, alongside raised full-year guidance.
Key Takeaways
The company delivered robust performance in Q3 2025 with higher revenues, strong EPS growth, and a solid increase in net income. Enhanced card offerings and digital initiatives drove customer engagement and spending.
EPS rose to $4.14, driven by higher billed business and card fees.
Revenue reached $18.43B, up from $16.64B the prior year.
Strong momentum from refreshed Platinum Card offerings.
Raised FY25 guidance to reflect improved outlook and execution.
Revenue by Geographic Location
Forward Guidance
American Express raised its full-year 2025 outlook, expecting revenue growth of 9–10% and EPS of $15.20–$15.50.
Positive Outlook
- FY2025 EPS guidance raised to $15.20–$15.50.
- Revenue growth outlook raised to 9–10%.
- Strong customer engagement with new Platinum Cards.
- Momentum in international and Gen-Z/Millennial segments.
- Launch of Amex Travel app and new merchant partnerships.
Challenges Ahead
- Provision for credit losses remains elevated despite YoY decrease.
- Marketing and Card Member Services expenses rose significantly.
- Net interest income growth constrained by lower interest rates.
- Competition and customer acquisition costs remain high.
- Macroeconomic conditions continue to pose uncertainties.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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