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Dec 31, 2025
American Express Q4 2025 Earnings Report
American Express reported strong revenue growth and solid profitability in the fourth quarter.
Key Takeaways
American Express delivered a solid Q4 2025 performance with double-digit revenue growth, driven by strength across U.S. Consumer, International Card Services, and Commercial segments, while credit metrics remained stable.
Total revenues net of interest expense reached $18.98 billion in Q4 2025
U.S. Consumer Services remained the largest contributor to revenue
International Card Services delivered the fastest growth year over year
Credit quality and write-off rates stayed stable during the quarter
Revenue by Segment
Forward Guidance
Management provided positive guidance for 2026, expecting continued revenue and earnings growth.
Positive Outlook
- Revenue growth guidance of 9% to 10% for FY 2026
- EPS guidance range of $17.30 to $17.90
- Continued investment in premium products and services
- Strong momentum in international and premium customer segments
- Ongoing capital return through dividends and share repurchases
Challenges Ahead
- Macroeconomic uncertainty could impact spending trends
- Higher rewards and operating expenses may pressure margins
- Potential credit normalization in a weaker economy
- Regulatory and geopolitical risks remain
- Foreign exchange volatility may affect reported results
Historical Earnings Impact
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Avg. Return Before/After Earnings
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