AXP · Financials

AMERICAN EXPRESS CO

Ranked earnings events from SEC filings, earnings calls, press releases and news. Full Picture: everything published this earnings window

News · 2026-11-07

• Guidance and OutlookImportance 44 · Surprise 42
  Third-party reporting says American Express projected FY 2026 EPS of $17.60–$17.90. The range is cited in an article published November 7, 2026. The digest provides no additional forward-looking revenue, margin, or…

News · 2026-11-06

• Guidance and OutlookImportance 47 · Surprise 60
  Third-party reporting says American Express raised its profit guidance for 2026 after reporting third-quarter results. The article does not specify the revised guidance range or quantify the change. It describes the…
• Capital Return ProgramImportance 38 · Surprise 46
  American Express reduced its outstanding share count by 26.8% from Q3 2016 through the period covered by the report. The article attributes a 352% increase in diluted EPS over the past decade partly to this capital…

News · 2026-11-05

• TheFork AcquisitionImportance 52 · Surprise 42
  Tripadvisor reportedly sold its European restaurant reservation platform, TheFork, to American Express for $700 million. The reported consideration exceeds the stated $337 million revenue materiality threshold. The…
• Partner Ecosystem ExpansionImportance 31 · Surprise 42
  American Express expanded its partnerships with the NBA and WNBA through a multiyear global activation strategy aimed at cardholders and basketball fans. The company becomes the official payments partner for both…
• Global Basketball Partnership ExpansionImportance 31 · Surprise 42
  American Express expanded its partnerships with the NBA and WNBA through a multiyear global activation strategy. It becomes the official payments partner for both leagues, with activations across live events, digital…

News · 2026-11-04

• Airbnb Travel PartnershipImportance 34 · Surprise 42
  American Express and Airbnb announced an exclusive partnership in October 2026, listing more than one million Airbnb properties, including Airbnb Luxe, on the Amex Travel platform. The offering is available to eligible…
• Sports Loyalty StrategyImportance 31 · Surprise 42
  American Express expanded its NBA, WNBA, and USA Basketball partnerships globally, adding first-time overseas fan programs and card member experiences. The agreement connects cardholder perks to league events and USA…
• Global Basketball Partnership ExpansionImportance 31 · Surprise 42
  American Express expanded its partnerships with the NBA, WNBA, and USA Basketball to add international activations. The agreement introduces first-time overseas fan programs and card member experiences tied to league…
• Premium Venue Lounge ExpansionImportance 17 · Surprise 24
  American Express is presenting House of Equinox, a four-day wellness event at Thirty-Five Off Madison in New York City from November 12–15, 2026. The event is exclusively available to eligible American Express Card…
• Premium Wellness ExperienceImportance 17 · Surprise 24
  American Express presented House of Equinox, a four-day wellness experience at Thirty-Five Off Madison in New York City, from November 12–15, 2026. Access is exclusive to eligible American Express Card Members through…

News · 2026-11-03

• Product Launch and TransitionImportance 34 · Surprise 42
  American Express will permanently activate Pay Over Time on eligible charge cards beginning February 1, 2027. Cardholders will no longer be able to disable the feature, but can avoid interest by paying the total new…
• Partner Ecosystem ExpansionImportance 27 · Surprise 30
  American Express expanded its agreements with the NBA and WNBA. The company will serve as Presenting Partner of NBA Houses, extending its sports partnership presence. The report does not specify the agreement’s…
• Dividend DeclarationImportance 13 · Surprise 6
  American Express declared a quarterly dividend of $0.95 per share, as reported on November 3, 2026. The digest provides no aggregate dividend amount or payment date. It also does not state whether the dividend…

News · 2026-11-02

• TheFork AcquisitionImportance 65 · Surprise 60
  TripAdvisor completed the sale of European restaurant reservation platform TheFork to American Express Travel Related Services Company, Inc. for $700 million in cash on November 1, 2026. The transaction includes a…
• Product Launch and TransitionImportance 34 · Surprise 42
  American Express plans to automatically activate its Pay Over Time feature on eligible accounts beginning February 1, 2027. The feature gives cardholders the option to carry eligible charges over time. The report notes…
• Partner Ecosystem ExpansionImportance 31 · Surprise 42
  American Express is expanding its longstanding partnership with the NBA and WNBA into its first global season, under a multiyear agreement. International activations will also include USA Basketball, the NBA G League,…
• Sports Loyalty StrategyImportance 31 · Surprise 42
  American Express, the NBA, and the WNBA expanded their longstanding partnership into a multiyear global arrangement. The first season of international activations will include the NBA, WNBA, and USA Basketball, as well…

News · 2026-11-01

• Guidance and OutlookImportance 47 · Surprise 60
  American Express raised its full-year 2026 earnings guidance, according to the report. The article attributes the increase in part to new partnerships with Airbnb and Albertsons. It does not provide the revised…
• Rewards and Deposit IntegrationImportance 34 · Surprise 42
  American Express introduced new cash-back redemption options that direct rewards into high-yield savings and business checking accounts. The options link card rewards with Amex deposit products, including products for…
• Partner Ecosystem ExpansionImportance 34 · Surprise 42
  The report cites new partnerships with Airbnb and Albertsons as support for American Express’s raised full-year 2026 earnings guidance. It frames these partnerships as part of a focus on premium travel benefits and…

News · 2026-10-31

• Net Income and EPS PerformanceImportance 51 · Surprise 60
  American Express reported third-quarter 2026 net income of US$3,712 million, higher than the prior-year quarter, though the digest provides no year-over-year percentage. The company raised its full-year earnings…
• Guidance and OutlookImportance 51 · Surprise 60
  American Express raised its full-year 2026 earnings guidance while keeping revenue growth expectations unchanged. The report did not specify the revised earnings guidance range or revenue growth rate.
• Rewards and Deposit IntegrationImportance 31 · Surprise 42
  American Express introduced direct cash-back redemption into Amex High Yield Savings and Business Checking accounts. The integration links card rewards with the company’s savings and business-banking products. The…
• Partner Ecosystem ExpansionImportance 31 · Surprise 42
  A report cited new American Express card partnerships with Airbnb and Albertsons. It said the partnerships broaden the company’s reach in travel and everyday spending. The report characterized the expansion as serving…
• Senior Notes IssuanceImportance 20 · Surprise 24
  American Express issued $3 billion of fixed-to-floating-rate and floating-rate notes on October 31, 2026. The notes span various maturities and support the company’s funding strategy.

News · 2026-10-30

• Product Launch and TransitionImportance 31 · Surprise 42
  American Express introduced a feature allowing U.S. Cash Back Card Members to redeem Reward Dollars as deposits into American Express High Yield Savings Accounts (HYSA). Business cardholders can deposit rewards into…
• Rewards and Deposit IntegrationImportance 31 · Surprise 42
  American Express introduced a feature for U.S. Cash Back Card Members to redeem Reward Dollars as deposits into American Express High Yield Savings Accounts or Business Checking accounts. The feature links card rewards…

Earnings call · 2026-10-23

• Guidance / OutlookImportance 79 · Surprise 76
  Management reaffirmed full-year 2026 revenue growth guidance of 10% and raised reported EPS guidance to $18.30–$18.60, or adjusted EPS guidance to $17.60–$17.90. CEO Steve Squeri said the company remains on track for…
• Acquisition / Partnership / DivestitureImportance 53 · Surprise 60
  American Express completed the Global Business Travel Group transaction in Q3 and recorded a gain of $1.11 per share from the sale of its investments. Management said two-thirds of the gain would flow to the bottom…
• Revenue Performance and MixImportance 48 · Surprise 40
  Q3 revenue was $20.1 billion, up 9% year over year, and growth would have been about one percentage point higher without small-business co-brand portfolio exits. Billed business rose 8%; U.S. consumer spend grew 9.4%,…
• Restructuring and HeadcountImportance 46 · Surprise 42
  American Express recorded a $336 million restructuring charge in Q3, equivalent to $0.37 per share. The restructuring is expected to eliminate approximately 5% of positions globally. Management said the program is…
• Credit Portfolio PerformanceImportance 40 · Surprise 40
  Total balances grew 8% year over year, while net interest income increased 10% and write-off dollars rose 3%. The delinquency rate remained at 1.2% or 1.3% for 15 consecutive quarters, and the Q3 provision expense was…
• Capital Return ProgramImportance 37 · Surprise 6
  American Express returned $2.2 billion to shareholders in Q3, comprising $1.6 billion of share repurchases and $0.6 billion of dividends. The company said its spend- and fee-based model supports strong capital…
• Card Fee Revenue GrowthImportance 36 · Surprise 40
  Net card fees grew 17% year over year on an FX-adjusted basis in Q3, accelerating from 15% in Q2. Management attributed the acceleration to strong results from the U.S. Platinum refresh. Card fees were approximately $3…
• Card Spending and Acquisition GrowthImportance 36 · Surprise 40
  Billed business grew 8%, with U.S. consumer spending up 9.4% and discretionary travel and entertainment spending up 10%; airline spending rose 13% and restaurant spending 9%. Commercial spending increased 3%, or 5%…
• International Market GrowthImportance 36 · Surprise 40
  International spend grew 11%, marking 22 consecutive quarters of double-digit growth, although management noted it had moderated from 13%. Customer acquisition remains strong, with millennials and Gen Z representing…
• OCC Regulatory EnforcementImportance 35 · Surprise 60
  Squeri said the quarter’s adjusted EPS included the unreserved portion of a civil money penalty imposed by the OCC. He said the fine does not affect 2026 guidance, the consent orders impose no asset cap, and…
• Operating Expense TrendsImportance 31 · Surprise 32
  Reported operating expenses declined 3% year over year, while underlying operating expense growth was 3% after excluding the Global Business Travel Group gain, restructuring, and legal items. Marketing expense rose 11%…
• AI and Agentic CommerceImportance 31 · Surprise 42
  Management said agentic transaction volumes remain small, but AI is changing how consumers and businesses discover, compare, decide, pay, and manage finances. American Express is developing AI-enabled membership…
• Airbnb Travel PartnershipImportance 31 · Surprise 42
  American Express announced an exclusive Airbnb partnership, bringing more than 1 million global listings into Amex Travel and expanding travel benefits for eligible U.S. card members. Management positioned the…
• Small Business Banking ExpansionImportance 31 · Surprise 42
  American Express is expanding banking services as part of its organic core and broader customer relationship strategy. Management said banking services can help the company understand customers’ creditworthiness and…
• Commercial Product ExpansionImportance 23 · Surprise 24
  Management said small-business performance remains strong and large and multinational customers remain a commercial sweet spot, while middle-market growth has fallen short of its ambitions. The Corporate Cashback Card…
• Income Tax Rate ChangesImportance 16 · Surprise 24
  Q3 adjusted EPS included a discrete tax benefit of $0.29 per share. Management grouped this benefit with a $0.51 increase in legal reserves and a $0.24 benefit from CECL reserve-model updates. Together, the three items…
• Premium Card CompetitionImportance 10 · Surprise 6
  Management described competition for premium card members as intense but not materially different from the environment of recent years, naming Citi, Capital One, and Chase as competitors. It said increased competition…

8-K · 2026-10-23

• Guidance and OutlookImportance 79 · Surprise 76
  American Express raised its FY 2026 diluted EPS guidance to $18.30–$18.60, or $17.60–$17.90 on an adjusted basis. Management said the company was on track to deliver another year of 10% revenue growth. The adjusted…
• Net Income and EPS PerformanceImportance 51 · Surprise 38
  Q3 2026 net income was $3.712 billion, up 28% from $2.902 billion a year earlier, and diluted EPS rose 31% to $5.42 from $4.14. Adjusted net income was $3.214 billion, up 11%, and adjusted diluted EPS was $4.68, up…
• Operating Expense TrendsImportance 49 · Surprise 32
  Consolidated expenses were $14.5 billion in Q3 2026, up 9% year over year. Higher variable customer-engagement costs reflected increased Card Member spending and the U.S. Platinum Card refresh. Lower operating expenses…
• Acquisition / Partnership / DivestitureImportance 46 · Surprise 42
  American Express reported a $982 million pretax gain from selling its equity interest in Global Business Travel Group, Inc. (GBTG), equal to $751 million after tax. The company reported a $336 million pretax…
• Global Acceptance ExpansionImportance 45 · Surprise 64
  Card acceptance reached more than 190 million merchant locations worldwide. Acceptance outside the U.S. has more than doubled over the past four years. The company’s estimate includes merchants accepting through…
• Revenue Performance and MixImportance 42 · Surprise 14
  Third-quarter 2026 total revenues net of interest expense were $20.062 billion, up 9% year over year from $18.426 billion; nine-month revenue was $58.606 billion, up 10%. The company attributed quarterly revenue growth…
• Credit Loss ProvisionsImportance 41 · Surprise 48
  Third-quarter consolidated provisions for credit losses were $1.0 billion, compared with $1.3 billion a year earlier. The decrease reflected a reserve release in the quarter versus a reserve build in the prior-year…
• Income Tax Rate ChangesImportance 35 · Surprise 48
  The consolidated effective tax rate was 18.1% in Q3 2026, down from 24.1% a year earlier, a decrease of 6.0 percentage points. The company attributed the lower rate primarily to current-year discrete tax benefits from…
• Commercial Product ExpansionImportance 34 · Surprise 42
  American Express launched the next generation of Amex Corporate, combining integrated Expense Management software with the Amex Expense mobile app. The company also introduced new Corporate Cashback Cards. The release…
• Business Savings Product LaunchImportance 34 · Surprise 42
  American Express introduced a new American Express Business Savings account, expanding its banking offerings for businesses. The release did not provide uptake, balances, or geographic availability for the account.
• Partner Ecosystem ExpansionImportance 34 · Surprise 42
  American Express extended its long-term strategic partnership with Marriott International, including the U.S. cobrand cards. It also launched an exclusive partnership with Airbnb, making more than one million listings…
• Premium Venue Lounge ExpansionImportance 34 · Surprise 42
  American Express opened a Centurion Lounge at Amsterdam Airport Schiphol, bringing its lounge network to 33 locations. It also announced expansions at four locations, including a 30,000-square-foot lounge at Newark…
• Card Spending and Acquisition GrowthImportance 31 · Surprise 32
  American Express reported third-quarter billed business of $454.0 billion, up 8% year over year, or 9% on an FX-adjusted basis. CEO Stephen Squeri cited strength in billings, new acquisitions, and Card Member…
• AI and Agentic CommerceImportance 31 · Surprise 42
  American Express announced Resy integrations, including with OpenAI, and released its Intent Intelligence framework for trusted agentic commerce. The release provided no adoption, transaction-volume, or customer…
• Strategic InitiativesImportance 31 · Surprise 42
  American Express launched the next generation of Amex Corporate with integrated expense-management software, a mobile app, and Corporate Cashback Cards. It also introduced a Business Savings account, expanding its…