American Express Co (AXP) operating KPIs

AXPNYSEFinance ServicesFiscal year ends December 31

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 23, 2026Score 14/3013% above fair value

$319.11−4.60 (-1.42%)

Close on Oct 30, 2026Market cap $215.50BP/E 19.3Yield 1.03%

KPIs

Operating metrics that drive American Express's business · fiscal year ends December 31

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Metric	Q3 2026 2026-09-30	Q2 2026 2026-06-30	Q1 2026 2026-03-31	Q4 2025 2025-12-31	Q3 2025 2025-09-30	Q2 2025 2025-06-30	Q1 2025 2025-03-31	Q4 2024 2024-12-31	Q3 2024 2024-09-30	Q2 2024 2024-06-30	Q1 2024 2024-03-31	Q4 2023 2023-12-31

Network Volumes ($B)4	517.90	516.80	486.30	506.20	479.20	472.00	439.60	464.00	441.00	440.60	419.20	434.40
Network Volumes YoY Growth (Reported, %)(%)	8.0%	9.0%	11.0%	9.0%	9.0%	7.0%	5.0%	7.0%	5.0%	3.0%	5.0%	5.0%
Network Volumes YoY Growth (FX-Adjusted, %)(%)	8.0%	9.0%	9.0%	8.0%	8.0%	6.0%	6.0%	8.0%	5.0%	4.0%	6.0%	5.0%
Proprietary Billed Business ($B)5	454.00	455.80	428.00	445.10	421.00	416.30	387.40	408.40	387.30	388.20	367.00	379.80
Billed Business YoY Growth (Reported, %)(%)	8.0%	9.0%	10.0%	9.0%	9.0%	7.0%	6.0%	8.0%	6.0%	5.0%	6.0%	6.0%
Billed Business YoY Growth (FX-Adjusted, %)(%)	8.0%	9.0%	9.0%	8.0%	8.0%	7.0%	6.0%	8.0%	6.0%	6.0%	7.0%	6.0%
U.S. Consumer Services (USCS) Billed Business ($B)1	194.20	196.40	180.20	189.20	177.50	176.50	164.30	174.00	162.30	165.10	153.40	159.70
USCS Billed Business YoY Growth (%)(%)	9.0%	11.0%	10.0%	9.0%	9.0%	7.0%	7.0%	9.0%	6.0%	6.0%	8.0%	7.0%
Commercial Services (CS) Billed Business ($B)2	140.70	141.80	134.40	140.90	136.30	135.50	129.20	136.00	131.00	132.30	127.10	131.30
CS Billed Business YoY Growth (Reported, %)(%)	3.0%	5.0%	4.0%	4.0%	4.0%	2.0%	2.0%	4.0%	1.0%	2.0%	2.0%	1.0%
CS Billed Business YoY Growth (FX-Adjusted, %)(%)	3.0%	5.0%	4.0%	3.0%	4.0%	2.0%	2.0%	4.0%	1.0%	2.0%	2.0%	1.0%
International Card Services (ICS) Billed Business ($B)2	118.80	117.20	111.70	114.30	106.90	103.90	92.90	97.70	93.60	90.20	85.40	88.10
ICS Billed Business YoY Growth (Reported, %)(%)	11.0%	13.0%	20.0%	17.0%	14.0%	15.0%	9.0%	11.0%	13.0%	10.0%	11.0%	14.0%
ICS Billed Business YoY Growth (FX-Adjusted, %)(%)	11.0%	12.0%	13.0%	12.0%	13.0%	12.0%	13.0%	15.0%	13.0%	13.0%	13.0%	13.0%
Processed Volumes (Third-Party / GNS Network Partners, $B)2								55.60	53.70	52.40	52.20	54.60
Processed Volumes YoY Growth (Reported, %)(%)								2.0%	-1.0%	-10.0%	-2.0%	-2.0%
Processed Volumes YoY Growth (FX-Adjusted, %)(%)								6.0%	1.0%	-7.0%	2.0%	-1.0%
Goods & Services (G&S) Share of Billed Business (%)(%)8	71.0%	71.0%	71.0%	74.0%	73.0%	73.0%	72.0%	74.0%	73.0%	72.0%	72.0%	75.0%
G&S Spend YoY Growth (Reported, %)(%)	7.0%	9.0%	10.0%	9.0%	9.0%	8.0%	6.0%	7.0%	6.0%	5.0%	6.0%	5.0%
G&S Spend YoY Growth (FX-Adjusted, %)(%)	7.0%	9.0%	8.0%	8.0%	9.0%	7.0%	7.0%	8.0%	6.0%	6.0%	6.0%	5.0%
Travel & Entertainment (T&E) Share of Billed Business (%)(%)	29.0%	28.0%	29.0%	26.0%	27.0%	27.0%	28.0%	26.0%	27.0%	28.0%	28.0%	25.0%
T&E Spend YoY Growth (Reported, %)(%)	10.0%	10.0%	12.0%	9.0%	8.0%	6.0%	5.0%	9.0%	6.0%	6.0%	8.0%	9.0%
T&E Spend YoY Growth (FX-Adjusted, %)(%)	10.0%	10.0%	9.0%	8.0%	8.0%	5.0%	6.0%	10.0%	6.0%	7.0%	8.0%	9.0%
Airline Spend Share of Billed Business (%)(%)									6.0%	6.0%	8.0%	6.0%
Airline Spend YoY Growth (Reported, %)(%)									6.0%	4.0%	8.0%	7.0%
Airline Spend YoY Growth (FX-Adjusted, %)(%)									6.0%	5.0%	9.0%	6.0%
Total Cards-in-Force (Millions)(M)3	155	155	154	153	151	149	148	147	146	144	142	141
Proprietary Cards-in-Force (Millions)(M)3	87.5	87.6	87.2	86.6	86	85.2	84.6	83.6	82.9	82.1	81.1	80.2
U.S. Consumer Services (USCS) Proprietary Cards-in-Force (M)(M)	49.7	49.2	48.7	48.3	47.8	47.3	46.8	46.3	45.7	45.2	44.4	43.8
Commercial Services (CS) Proprietary Cards-in-Force (M)(M)	13.7	14.6	15.3	15.3	15.4	15.4	15.5	15.4	15.5	15.4	15.4	15.4
International Card Services (ICS) Proprietary Cards-in-Force (M)(M)	24.1	23.9	23.2	23	22.8	22.5	22.3	21.9	21.7	21.5	21.3	21
Total Basic Cards-in-Force (Millions)(M)1	131	131	130	129	128	126	124	123	122	121	120	119
Consolidated Proprietary Basic Cards-in-Force (M)(M)2	67.3	67.5	67.2	66.7	66.2	65.6	65.1	64.3	63.7	63.1	62.3	61.7
USCS Proprietary Basic Cards-in-Force (M)(M)	35.4	35	34.6	34.1	33.7	33.4	33	32.5	32.1	31.7	31.1	30.7
ICS Proprietary Basic Cards-in-Force (M)(M)	18.2	18	17.4	17.2	17	16.9	16.7	16.4	16.2	16	15.8	15.6
Proprietary New Cards Acquired (Millions)(M)	3.10	3	3.10	2.90	3.20	3.10	3.40	3	3.30	3.30	3.40	2.90
Average Proprietary Basic Card Member Spending ($)($)5	6,735	6,759	6,393	6,696	6,387	6,370	5,987	6,378	6,110	6,192	5,919	6,179
USCS Average Basic Card Member Spending ($)($)	5,522	5,654	5,248	5,574	5,291	5,322	5,014	5,387	5,091	5,258	4,962	5,229
CS Average Card Member Spending ($)($)	9,953	9,607	8,793	9,151	8,833	8,782	8,380	8,804	8,474	8,588	8,261	8,515
ICS Average Basic Card Member Spending ($)($)	6,567	6,535	6,452	6,675	6,307	6,197	5,619	6,003	5,829	5,681	5,436	5,684
Average Annualized Fee per Proprietary Card ($)($)	136	131	127	122	119	117	111	108	105	101	98	95
Average Discount Revenue Rate (% of Billed Business)(%)	2.2%	2.2%	2.2%		2.2%	2.3%	2.3%		2.3%	2.3%	2.3%

U.S. Consumer Services (USCS) — Total Revenues Net of Interest Expense ($M)($M)7	9,840	9,524	9,123	9,156	8,856	8,553	8,249	8,252	7,944	7,732	7,499	7,395
U.S. Consumer Services (USCS) — Non-Interest Revenues ($M)($M)	6,292	6,229	5,803	5,904	5,620	5,540	5,243	5,314	5,028	5,029	4,766	4,782
U.S. Consumer Services (USCS) — Net Interest Income ($M)($M)2	3,549	3,295	3,321	3,252	3,236	3,013	3,006	2,938	2,916	2,703	2,733	2,613
U.S. Consumer Services (USCS) — Interest Income ($M)($M)	4,294	4,052	4,072	4,072	4,025	3,795	3,763	3,753	3,722	3,474	3,481	3,399
U.S. Consumer Services (USCS) — Interest Expense ($M)($M)	745	757	751	820	789	782	757	815	806	771	748	786
U.S. Consumer Services (USCS) — Provisions for Credit Losses ($M)($M)	494	498	631	773	734	829	631	784	812	706	727	860
U.S. Consumer Services (USCS) — Revenues Net of Interest Expense After Provisions ($M)($M)	9,346	9,025	8,493	8,383	8,122	7,724	7,618	7,468	7,132	7,026	6,772	6,535
U.S. Consumer Services (USCS) — Total Segment Expenses ($M)($M)3	7,052	6,961	6,736	6,833	6,270	6,048	5,886	5,923	5,473	5,466	5,159	5,066
U.S. Consumer Services (USCS) — Card Member Rewards, Business Dev. & Services ($M)($M)	4,801	4,745	4,605	4,563	4,145	3,967	3,882	3,816	3,570	3,587	3,356	3,267
U.S. Consumer Services (USCS) — Marketing Expense ($M)($M)	848	813	764	797	825	800	765	813	755	764	719	544
U.S. Consumer Services (USCS) — Salaries, Employee Benefits & Other Operating Expenses ($M)($M)	1,402	1,403	1,367	1,473	1,300	1,281	1,239	1,294	1,148	1,115	1,084	1,255
U.S. Consumer Services (USCS) — Pretax Segment Income ($M)($M)	2,295	2,065	1,757	1,550	1,852	1,676	1,732	1,545	1,659	1,560	1,613	1,469
U.S. Consumer Services (USCS) — Segment Total Assets ($M)($M)	124,624	123,404	119,517	122,968	115,330	113,876	110,886	114,228	106,201	108,224	104,297	107,158
Commercial Services (CS) — Total Revenues Net of Interest Expense ($M)($M)7	4,553	4,503	4,321	4,398	4,281	4,212	4,035	4,122	3,998	3,954	3,785	3,808
Commercial Services (CS) — Non-Interest Revenues ($M)($M)	3,612	3,591	3,408	3,526	3,441	3,422	3,265	3,388	3,304	3,333	3,194	3,266
Commercial Services (CS) — Net Interest Income ($M)($M)2	942	912	913	872	840	790	770	734	694	621	591	542
Commercial Services (CS) — Interest Income ($M)($M)	1,358	1,343	1,345	1,333	1,302	1,240	1,202	1,176	1,142	1,051	1,005	949
Commercial Services (CS) — Interest Expense ($M)($M)	416	432	432	461	462	450	432	442	448	430	414	407
Commercial Services (CS) — Provisions for Credit Losses ($M)($M)	279	353	380	359	332	360	329	311	374	349	355	368
Commercial Services (CS) — Revenues Net of Interest Expense After Provisions ($M)($M)	4,274	4,149	3,941	4,039	3,949	3,852	3,706	3,811	3,624	3,605	3,430	3,440
Commercial Services (CS) — Total Segment Expenses ($M)($M)3	3,245	3,179	3,126	3,202	2,859	2,947	2,870	2,997	2,716	2,700	2,552	2,774
Commercial Services (CS) — Card Member Rewards, Business Dev. & Services ($M)($M)	1,979	1,994	1,986	1,900	1,730	1,790	1,746	1,751	1,627	1,633	1,493	1,574
Commercial Services (CS) — Marketing Expense ($M)($M)	405	379	311	350	313	331	337	360	308	325	326	281
Commercial Services (CS) — Salaries, Employee Benefits & Other Operating Expenses ($M)($M)	860	806	828	952	816	826	787	886	781	742	733	919
Commercial Services (CS) — Pretax Segment Income ($M)($M)	1,029	970	816	837	1,090	905	836	814	908	905	878	666
Commercial Services (CS) — Segment Total Assets ($M)($M)	66,006	65,567	66,076	63,168	64,305	62,152	62,012	58,969	59,716	58,993	58,143	55,361
International Card Services (ICS) — Total Revenues Net of Interest Expense ($M)($M)7	3,682	3,619	3,532	3,496	3,336	3,232	2,936	2,990	2,936	2,822	2,713	2,692
International Card Services (ICS) — Non-Interest Revenues ($M)($M)	3,321	3,261	3,164	3,192	3,034	2,947	2,646	2,725	2,659	2,548	2,437	2,466
International Card Services (ICS) — Net Interest Income ($M)($M)2	362	358	367	304	302	285	290	265	277	274	276	226
International Card Services (ICS) — Interest Income ($M)($M)	745	733	728	666	652	620	596	583	588	577	583	574
International Card Services (ICS) — Interest Expense ($M)($M)	383	375	360	362	350	335	306	318	311	303	307	348
International Card Services (ICS) — Provisions for Credit Losses ($M)($M)	208	223	238	211	218	210	192	194	158	192	182	194
International Card Services (ICS) — Revenues Net of Interest Expense After Provisions ($M)($M)	3,474	3,396	3,294	3,285	3,118	3,022	2,744	2,796	2,778	2,630	2,531	2,498
International Card Services (ICS) — Total Segment Expenses ($M)($M)3	3,042	2,919	2,513	2,969	2,677	2,557	2,363	2,762	2,323	2,340	2,279	2,354
International Card Services (ICS) — Card Member Rewards, Business Dev. & Services ($M)($M)	1,766	1,683	1,551	1,674	1,512	1,452	1,312	1,442	1,296	1,302	1,203	1,216
International Card Services (ICS) — Marketing Expense ($M)($M)	394	352	332	347	350	322	300	306	287	290	352	272
International Card Services (ICS) — Salaries, Employee Benefits & Other Operating Expenses ($M)($M)	883	884	630	948	815	783	751	1,014	740	748	724	866
International Card Services (ICS) — Pretax Segment Income ($M)($M)	432	477	781	316	441	465	381	34	455	290	252	144
International Card Services (ICS) — Segment Total Assets ($M)($M)	52,809	52,291	50,180	50,089	47,253	46,500	42,620	42,879	43,073	41,982	41,472	42,234
Global Merchant and Network Services (GMNS) — Total Revenues Net of Interest Expense ($M)($M)7	2,082	2,096	2,004	2,039	1,972	1,933	1,815	1,894	1,847	1,873	1,870	1,941
Global Merchant and Network Services (GMNS) — Non-Interest Revenues ($M)($M)	1,927	1,919	1,825	1,858	1,782	1,758	1,660	1,723	1,667	1,684	1,655	1,693
Global Merchant and Network Services (GMNS) — Net Interest Income ($M)($M)2	155	178	180	181	190	175	155	171	180	189	215	248
Global Merchant and Network Services (GMNS) — Interest Income ($M)($M)	7	8	10	9	9	10	12	11	11	13	17	15
Global Merchant and Network Services (GMNS) — Interest Expense ($M)($M)	-147	-169	-169	-172	-181	-165	-143	-160	-169	-176	-198	-233
Global Merchant and Network Services (GMNS) — Provisions for Credit Losses ($M)($M)	4	10	4	70	5	5	-2	6	10	20	6	14
Global Merchant and Network Services (GMNS) — Revenues Net of Interest Expense After Provisions ($M)($M)	2,078	2,086	2,000	1,969	1,967	1,928	1,817	1,888	1,837	1,853	1,864	1,927
Global Merchant and Network Services (GMNS) — Total Segment Expenses ($M)($M)3	996	958	885	1,085	927	874	827	1,035	846	316	847	1,105
Global Merchant and Network Services (GMNS) — Card Member Rewards, Business Dev. & Services ($M)($M)	337	328	306	341	298	288	283	322	269	278	279	326
Global Merchant and Network Services (GMNS) — Marketing Expense ($M)($M)	113	100	65	116	105	96	76	130	112	96	73	131
Global Merchant and Network Services (GMNS) — Salaries, Employee Benefits & Other Operating Expenses ($M)($M)	546	530	514	628	524	490	468	583	465	-58	495	648
Global Merchant and Network Services (GMNS) — Pretax Segment Income ($M)($M)	1,082	1,128	1,115	884	1,040	1,054	990	853	991	1,537	1,017	822
Global Merchant and Network Services (GMNS) — Segment Total Assets ($M)($M)	19,409	19,401	19,353	18,686	18,879	18,324	18,083	17,712	17,739	24,446	24,885	23,714
Corporate & Other — Total Revenues Net of Interest Expense ($M)($M)6	-96	-104	-73	-109	-19	-74	-68	-79	-89	-48	-66	-37
Corporate & Other — Non-Interest Revenues ($M)($M)	-30	-11	15	-22	63	2	-16	-9	-28	9	-20	-12
Corporate & Other — Net Interest Income ($M)2
Corporate & Other — Interest Income ($M)($M)	454	471	510	502	629	599	562	554	686	679	689	615
Corporate & Other — Interest Expense ($M)($M)	520	564	599	589	711	675	614	624	747	736	735	640
Corporate & Other — Provisions for Credit Losses ($M)($M)				1	-2	1		-3	2	1	-1	1
Corporate & Other — Revenues Net of Interest Expense After Provisions ($M)($M)	-96	-104	-73	-110	-17	-75	-68	-76	-91	-49	-65	-38
Corporate & Other — Total Segment Expenses ($M)($M)3	211	465	618	387	581	475	541	414	718	453	550	551
Corporate & Other — Card Member Rewards, Business Dev. & Services ($M)($M)	8	5	8	6	11	11	12	14	15	8	6	14
Corporate & Other — Marketing Expense ($M)($M)	10	7	7	2	6	6	8	5	8	5	6
Corporate & Other — Salaries, Employee Benefits & Other Operating Expenses ($M)($M)	193	453	602	379	564	458	521	395	695	440	538	537
Corporate & Other — Pretax Segment Income ($M)($M)	-307	-569	-691	-497	-598	-550	-609	-490	-809	-502	-615	-589
Geographic Revenues Net of Interest Expense — Consolidated ($M)($M)	20,062	19,637	18,907	18,980	18,426	17,856	16,967	17,179	16,636	16,333	15,801	15,799
Geographic Pretax Income (Loss) — Consolidated ($M)($M)	4,531	4,071	3,778	3,090	3,825	3,550	3,330	2,756	3,204	3,790	3,145	2,512

Consolidated Card Balances (Loans + Receivables, EOP, $M)($M)20	221,074	218,054	213,311	213,863	205,837	201,873	197,706	199,085
Consumer Card Balances ($M)($M)	145,733	144,974	140,908	144,324	135,403	133,758	128,424
Small Business Card Balances ($M)($M)	57,315	56,172	55,098	53,632	53,007	52,054	52,534
Corporate Card Balances ($M)($M)	18,026	16,908	17,306	15,907	17,426	16,061	16,748
Pay-in-Full Card Balances ($M)($M)	63,054	62,026	61,096	62,031	61,023	59,598	58,503	59,411	59,042	59,656	59,775	60,411
Average Card Balances ($M)($M)	218,826	216,710	211,897	210,440	204,145	201,175	195,262	196,254
Card Balances Credit Loss Reserves — Beginning ($M)($M)	5,866	6,065	6,089	6,068	5,960	5,740	5,850
Card Balances Credit Loss Reserves — Provisions ($M)($M)	895	1,017	1,187	1,231	1,220	1,320	1,047
Card Balances Credit Loss Reserves — Net Write-Offs ($M)($M)	-1,130	-1,207	-1,213	-1,216	-1,111	-1,122	-1,165
Card Balances Credit Loss Reserves — Ending ($M)($M)	5,634	5,866	6,065	6,089	6,068	5,960	5,740
Card Balances Reserves (% of Total Balances)(%)	2.5%	2.7%	2.8%	2.8%	2.9%	3.0%	2.9%
Card Balances Reserves (% of Past Due)(%)	231.0%	248.0%	234.0%	240.0%	243.0%	252.0%	240.0%
Card Balances Net Write-Off Rate — Principal, Interest & Fees (%)(%)	2.1%	2.2%	2.3%	2.3%	2.2%	2.2%	2.4%	2.2%	2.2%	2.4%	2.3%	2.2%
Card Balances Net Write-Off Rate — Principal Only (Consumer & Small Business, %)(%)	1.8%	2.0%	2.0%	2.1%	1.9%	2.0%	2.1%	1.9%	1.9%	2.1%	2.1%	2.0%
Card Balances 30+ Days Past Due Rate — Consumer & Small Business (%)(%)	1.2%	1.2%	1.3%	1.3%	1.3%	1.3%	1.3%	1.3%	1.3%	1.2%	1.3%	1.3%
Corporate Card Balances 90+ Days Past Billing Rate (%)(%)	0.3%	0.4%	0.4%	0.5%	0.4%	0.4%	0.4%
Card Member Loans — Total (Pre-2026 Breakdown, $M)($M)14				151,832	144,814	142,275	139,203	139,674	134,548	130,851	126,619	125,995
Average Card Member Loans ($M)($M)					143,974	141,412	137,697	136,972	132,956	128,321	124,720	121,774
Card Member Loans Reserve — Beginning ($M)($M)				5,868	5,767	5,592	5,679	5,588	5,321	5,271	5,118	4,721
Card Member Loans Reserve — Provisions ($M)($M)				1,042	1,030	1,094	901	1,011	1,114	970	1,014	1,148
Card Member Loans Net Write-Offs — Principal ($M)($M)				-828	-760	-771	-818	-735	-701	-753	-705	-631
Card Member Loans Net Write-Offs — Interest & Fees ($M)($M)				-180	-168	-167	-178	-159	-152	-160	-150	-133
Card Member Loans Reserve — Ending ($M)($M)				5,909	5,868	5,767	5,592	5,679	5,588	5,321	5,271	5,118
Card Member Loans Reserve (% of Loans)(%)				3.9%	4.1%	4.1%	4.0%	4.1%	4.2%	4.1%	4.2%	4.1%
Card Member Loans Reserve (% of Past Due)(%)				279.0%	286.0%	295.0%	284.0%	288.0%	297.0%	312.0%	297.0%	297.0%
Card Member Loans Net Write-Off Rate — Principal, Interest & Fees (%)(%)				2.7%	2.6%	2.7%	2.9%	2.6%	2.6%	2.8%	2.7%	2.5%
Card Member Loans Net Write-Off Rate — Principal Only (%)(%)				2.2%	2.1%	2.2%	2.4%	2.1%	2.1%	2.3%	2.3%	2.1%
Card Member Loans 30+ Days Past Due Rate (%)(%)				1.4%	1.4%	1.4%	1.4%	1.4%	1.4%	1.3%	1.4%	1.4%
Net Interest Yield on Average Card Member Loans (%)(%)						11.8%	12.2%	11.8%	12.0%	11.7%	12.0%	11.7%
Net Interest Income Divided by Average Card Member Loans (%)(%)						11.8%	12.2%	11.7%	12.0%	11.7%	12.2%	11.7%
Adjusted Net Interest Income ($M)($M)						4,210	4,169	4,080	4,006	3,722	3,735	3,601
Card Member Receivables — Total (Pre-2026 Breakdown, $M)($M)8				62,031	61,023	59,598	58,503	59,411	59,042	59,656	59,775	60,411
Card Member Receivables Reserve — Beginning ($M)($M)				200	193	148	171	156	171	151	174	174
Card Member Receivables Reserve — Provisions ($M)($M)				189	190	226	146	182	170	226	196	222
Card Member Receivables Net Write-Offs ($M)($M)				-208	-183	-184	-169	-164	-187	-205	-217	-223
Card Member Receivables Reserve — Ending ($M)($M)				180	200	193	148	171	156	171	151	174
Card Member Receivables Reserve (% of Receivables)(%)				0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%
Card Member Receivables Net Write-Off Rate — Principal & Fees (%)(%)				1.3%	1.2%	1.2%	1.2%	1.1%	1.3%	1.4%	1.5%	1.5%
Card Member Receivables Net Write-Off Rate — Principal Only (%)(%)				1.5%	1.3%	1.4%	1.3%	1.2%	1.4%	1.5%	1.7%	1.7%
Card Member Receivables 30+ Days Past Due Rate (%)(%)				0.9%	1.0%	0.9%	1.0%	0.9%	0.9%	0.9%	1.1%	1.1%
Other Loans (Personal & Small Business Term Loans, $M)($M)5	12,079	11,428	10,849	10,928	10,518	10,103	9,678	9,232	8,460	8,157	7,601	7,086
Other Loans Reserve — Beginning ($M)($M)	312	314	323	287	272	244	194	154	140	136	126	108
Other Loans Reserve — Provisions ($M)($M)	84	62	48	90	62	78	105	94	60	49	53	52
Other Loans Net Write-Offs ($M)($M)	-59	-61	-54	-52	-45	-48	-53	-51	-44	-43	-42	-34
Other Loans Credit Loss Reserves — Ending ($M)($M)	335	312	314	323	287	272	244	194	154	140	136	126
Other Loans Reserves (% of Other Loans)(%)	2.8%	2.7%	2.9%	3.0%	2.7%	2.7%	2.5%	2.1%	1.8%	1.7%	1.8%	1.8%
Other Receivables ($M)($M)5	6,452	5,451	5,075	4,596	4,019	4,056	3,752	3,587	3,800	3,889	3,785	3,654
Other Receivables Reserve — Beginning ($M)($M)	121	121	86	20	19	23	27	49	44	27	27	27
Other Receivables Reserve — Provisions ($M)($M)	6	4	40	69	5	7	-2	5	12	23	6	15
Other Receivables Net Write-Offs ($M)($M)	-5	-4	-5	-3	-3	-10	-3	-28	-6	-4	-6	-16
Other Receivables Reserve — Ending ($M)($M)	123	121	121	86	20	19	23	27	49	44	27	27
Other Receivables Reserve (% of Other Receivables)(%)	1.9%	2.2%	2.4%	1.9%	0.5%	0.5%	0.6%	0.8%	1.3%	1.1%	0.7%	0.7%
Off-Balance Sheet Unused Credit Available to Customers ($B)	533.00	530.00	529.00		505.00	496.00	483.00		465.00	433.00	408.00
USCS Card Balances ($M)($M)39	114,267	113,796	110,849	114,368	106,969	105,784	102,896	107,051
USCS Average Card Balances ($M)($M)	113,857	112,449	110,664	110,161	106,753	104,488	103,237	102,752
USCS Card Balances Net Write-Off Rate — Principal, Interest & Fees (%)(%)	2.0%	2.3%	2.4%	2.6%	2.3%	2.4%	2.7%	2.4%	2.4%
USCS Card Balances Net Write-Off Rate — Principal Only (%)(%)	1.6%	1.8%	1.9%	2.1%	1.8%	1.9%	2.2%	2.0%	1.9%
USCS Card Balances 30+ Days Past Due Rate (%)(%)	1.2%	1.1%	1.3%	1.3%	1.3%	1.2%	1.3%	1.3%	1.3%
USCS Card Member Loans (Pre-2026, $M)($M)				100,171	94,142	92,620	90,072	92,632	86,752	84,958	82,255	83,207
USCS Average Card Member Loans (Pre-2026, $M)($M)					93,781	91,339	89,983	89,178	86,223	83,452	81,746	80,304
USCS Loans Net Write-Off Rate — Principal, Interest & Fees (Pre-2026, %)(%)				2.7%	2.4%	2.6%	3.0%	2.6%	2.6%	2.9%	2.8%	2.5%
USCS Loans Net Write-Off Rate — Principal Only (Pre-2026, %)(%)				2.1%	2.0%	2.1%	2.4%	2.1%	2.1%	2.4%	2.3%	2.1%
USCS Loans 30+ Days Past Due Rate (Pre-2026, %)(%)				1.3%	1.4%	1.3%	1.4%	1.4%	1.4%	1.3%	1.4%	1.4%
USCS Net Interest Yield on Average Loans (Pre-2026, %)(%)						12.7%	13.0%	12.7%	13.0%	12.6%	13.0%	12.7%
USCS Card Member Receivables (Pre-2026, $M)($M)				14,197	12,827	13,164	12,824	14,419	13,168	13,796	13,588	14,789
USCS Receivables Net Write-Off Rate — Principal & Fees (Pre-2026, %)(%)				1.8%	0.9%	0.8%	0.8%	0.9%	1.2%	1.2%	1.5%	1.3%
USCS Receivables 30+ Days Past Due Rate (Pre-2026, %)(%)				0.7%	1.0%	0.7%	0.7%	0.6%	0.7%	0.7%	0.8%	0.8%
CS Card Balances ($M)($M)	60,985	58,952	58,754	56,086	57,379	55,098	57,412	54,592
CS Average Card Balances ($M)($M)	59,526	59,287	57,283	57,689	56,444	57,113	55,538	56,269
CS Card Balances Net Write-Off Rate — Principal, Interest & Fees (%)(%)	2.1%	2.3%	2.4%	2.2%	2.2%	2.2%	2.2%	2.0%	2.0%
CS Small Business Card Balances Net Write-Off Rate — Principal Only (%)(%)	2.3%	2.4%	2.5%	2.3%	2.3%	2.3%	2.4%	2.1%	2.1%
CS Small Business Card Balances 30+ Days Past Due Rate (%)(%)	1.4%	1.4%	1.6%	1.5%	1.5%	1.5%	1.5%	1.5%	1.4%
CS Corporate Card Balances 90+ Days Past Billing Rate (%)(%)	0.3%	0.4%	0.4%	0.5%	0.4%	0.4%	0.4%	0.4%	0.4%	0.4%	0.5%	0.4%
CS Card Member Loans (Pre-2026, $M)($M)				30,833	30,691	30,143	31,240	29,647	29,869	28,621	27,634	25,838
CS Average Card Member Loans (Pre-2026, $M)($M)					30,548	31,253	30,307	30,203	29,428	28,031	26,553	25,608
CS Loans Net Write-Off Rate — Principal, Interest & Fees (Pre-2026, %)(%)				3.1%	3.1%	2.9%	3.0%	2.7%	2.6%	2.7%	2.6%	2.4%
CS Loans Net Write-Off Rate — Principal Only (Pre-2026, %)(%)				2.7%	2.6%	2.5%	2.6%	2.3%	2.2%	2.3%	2.3%	2.1%
CS Loans 30+ Days Past Due Rate (Pre-2026, %)(%)				1.7%	1.6%	1.6%	1.6%	1.5%	1.5%	1.4%	1.5%	1.4%
CS Net Interest Yield on Average Loans (Pre-2026, %)(%)						11.1%	11.4%	11.1%	10.9%	10.5%	10.6%	10.3%
CS Card Member Receivables (Pre-2026, $M)($M)				25,253	26,688	24,955	26,172	24,945	26,341	26,737	27,024	26,222
ICS Card Balances ($M)($M)	45,822	45,305	43,708	43,409	41,488	40,991	37,398	37,442
ICS Average Card Balances ($M)($M)	45,443	44,975	43,950	42,590	40,948	39,573	36,487	37,233
ICS Card Balances Net Write-Off Rate — Principal, Interest & Fees (%)(%)	2.0%	2.0%	2.0%	1.9%	2.0%	2.0%	1.8%	1.7%	1.8%
ICS Consumer & Small Business Card Balances Net Write-Off Rate — Principal Only (%)(%)	1.8%	1.8%	1.8%	1.7%	1.8%	1.8%	1.7%	1.6%	1.7%
ICS Consumer & Small Business Card Balances 30+ Days Past Due Rate (%)(%)	1.1%	1.1%	1.2%	1.1%	1.1%	1.1%	1.1%	1.0%	1.0%
ICS Corporate Card Balances 90+ Days Past Billing Rate (%)(%)	0.3%	0.5%	0.4%	0.5%	0.3%	0.4%	0.4%	0.4%	0.4%	0.4%	0.5%	0.5%
ICS Card Member Loans (Pre-2026, $M)($M)				20,828	19,981	19,512	17,891	17,395	17,927	17,272	16,730	16,950
ICS Average Card Member Loans (Pre-2026, $M)($M)					19,645	18,820	17,407	17,591	17,305	16,838	16,422	15,862
ICS Loans Net Write-Off Rate — Principal, Interest & Fees (Pre-2026, %)(%)				2.4%	2.5%	2.5%	2.3%	2.3%	2.4%	2.5%	2.6%	2.5%
ICS Loans Net Write-Off Rate — Principal Only (Pre-2026, %)(%)				2.0%	2.1%	2.1%	2.0%	1.9%	2.0%	2.1%	2.2%	2.1%
ICS Loans 30+ Days Past Due Rate (Pre-2026, %)(%)				1.2%	1.2%	1.2%	1.2%	1.2%	1.2%	1.2%	1.3%	1.3%
ICS Net Interest Yield on Average Loans (Pre-2026, %)(%)						8.8%	9.4%	8.7%	8.8%	9.0%	9.5%	9.1%
ICS Card Member Receivables (Pre-2026, $M)($M)				22,581	21,508	21,479	19,507	20,047	19,533	19,123	19,163	19,400
American Express Credit Account Master Trust — Ending Principal Balance (Form 10-D, $M)2
Lending Trust Variable Interest Held by AXP (Note 5, $B)	14.00	14.90	13.60		12.50	13.10	12.80
Charge Trust Variable Interest Held by AXP (Note 5, $B)	6.10	5.80	6.20		6.70	1.50	4.20

Total Customer Deposits (End of Period, $M)($M)3	155,019	156,973	157,948		149,883	149,386	146,396		135,438	133,746	134,418
Total U.S. Interest-Bearing Customer Deposits ($M)($M)3	153,926	155,845	156,726		148,924	148,407	145,494		134,476	132,852
U.S. Direct High-Yield Savings Accounts ($M)($M)	118,337	120,356	121,257		113,998	113,720	113,243		105,465	101,787
U.S. Checking Accounts ($M)($M)	3,801	3,498	3,283		2,755	2,511	2,324		1,839	1,617
U.S. Direct Certificates of Deposit ($M)($M)	9,882	8,411	7,280		5,169	4,739	4,291		4,882	4,871	5,166
Card Member Credit Balances in Customer Deposits ($M)($M)	1,008	1,064	1,157		871	893	821		893	823	855
Other Customer Deposits ($M)($M)	85	64	65		88	86	81		69	71	80
Average U.S. Interest-Bearing Customer Deposits ($M)($M)11	155,009	156,085	153,985		148,803	146,707	141,877		133,257	132,709	131,000
Average U.S. Direct Savings Accounts ($M)($M)	119,418	120,708	118,881		113,934	113,134	110,749		103,602	100,510	95,947
Average U.S. Checking Accounts ($M)($M)	3,712	3,390	3,128		2,649	2,414	2,188		1,731	1,558	1,438
Average U.S. Direct Certificates of Deposit ($M)($M)	9,116	7,861	6,653		4,914	4,524	4,261		4,831	5,024	5,438
U.S. Interest-Bearing Deposits — Interest Expense ($M)($M)	1,241	1,276	1,286	1,342	1,370	1,374	1,337	1,397	1,445	1,424	1,426	1,383
U.S. Direct Savings Accounts — Interest Expense ($M)($M)	908	945	955	999	1,003	1,012	1,012	1,056	1,089	1,047	1,018	966
U.S. Checking Accounts — Interest Expense ($M)($M)	10	12	13	12	8	14	7	13	6	6	4	25
U.S. Direct CDs — Interest Expense ($M)($M)	88	74	62	54	48	45	43	49	52	53	57	52
U.S. Interest-Bearing Deposits — Average Interest Rate Paid (%)(%)	3.2%	3.3%	3.4%		3.7%	3.8%	3.8%		4.3%	4.3%	4.4%
U.S. Direct Savings Accounts — Average Interest Rate Paid (%)(%)	3.0%	3.1%	3.3%		3.5%	3.6%	3.7%		4.2%	4.2%	4.3%
U.S. Checking Accounts — Average Interest Rate Paid (%)(%)	1.1%	1.4%	1.6%		1.2%	2.3%	1.4%		1.4%	1.5%	1.2%
U.S. Direct CDs — Average Interest Rate Paid (%)(%)	3.8%	3.8%	3.8%		3.9%	4.0%	4.1%		4.3%	4.2%	4.2%
Common Equity Tier 1 (CET1) Risk-Based Capital Ratio (%)(%)20	10.9%	10.4%	10.5%	10.5%	10.5%	10.6%	10.7%	10.5%	10.7%	10.8%	10.6%	10.5%
Common Equity Tier 1 (CET1) Capital ($M)($M)	29,338	27,779	27,523	27,268	26,222	26,121	25,624	24,860	24,648	24,600	23,700	23,200
Tier 1 Risk-Based Capital Ratio (%)(%)	11.5%	11.0%	11.1%	11.1%	11.1%	11.3%	11.4%	11.2%	11.4%	11.5%	11.3%	11.3%
Tier 1 Capital ($M)($M)	30,948	29,394	29,141	28,888	27,848	27,752	27,260	26,405	26,206	26,100	25,300	24,800
Tier 2 Capital ($M)($M)	5,654	5,635	5,570	5,025	4,915	4,858	4,774	4,722	4,636	4,600	4,100	4,000
Total Risk-Based Capital Ratio (%)(%)	13.6%	13.1%	13.2%	13.1%	13.1%	13.2%	13.4%	13.2%	13.4%	13.5%	13.2%	13.1%
Total Risk-Based Capital ($M)($M)	36,602	35,029	34,711	33,913	32,763	32,610	32,034	31,127	30,842	30,700	29,400	28,800
Risk-Weighted Assets (RWA, $M)($M)	270,071	268,321	262,924	259,448	250,642	246,140	239,562	235,775	229,855	227,800	223,400	219,700
Tier 1 Leverage Ratio (%)(%)	10.3%	9.6%	9.7%	9.8%	9.5%	9.7%	10.0%	9.8%	9.8%	9.9%	9.8%	9.9%
Average Total Assets for Tier 1 Leverage Ratio ($M)($M)	301,753	304,688	301,879	294,275	292,875	285,174	273,090	268,785	267,563	263,300	257,600	249,600
Supplementary Leverage Ratio (SLR, %)(%)	8.7%	8.2%	8.2%	8.3%	8.1%	8.3%	8.5%	8.3%
Total Leverage Exposure for SLR ($M)($M)	356,722	359,052	356,176	346,685	344,532	335,706	322,414	316,995
Average Total Shareholders' Equity ($M)($M)	35,039	34,138	33,735	31,934	32,364	31,756	30,733	29,266	29,623	29,152	28,410	26,557
Average Common Shareholders' Equity ($M)($M)	33,455	32,554	32,151	30,350	30,780	30,172	29,149	27,682	28,039	27,568	26,826	24,973
Average Preferred Shares ($M)($M)	1,584	1,584	1,584	1,584	1,584	1,584	1,584	1,584	1,584	1,584	1,584	1,584
Return on Average Equity (ROE, %)(%)	42.4%	36.4%	35.2%	33.9%	35.9%	36.3%	33.6%	34.6%	33.9%	41.4%	34.3%	31.5%
Return on Average Common Equity (ROCE, %)(%)	43.6%	37.8%	36.6%	35.3%	37.3%	37.8%	35.0%	36.1%	35.3%	43.2%	35.9%	33.0%
Net Interest Yield on Average Card Balances & Other Loans (%)(%)	8.5%	8.1%	8.4%	8.0%	8.2%	7.9%	8.2%	7.8%	8.0%
Average Liquidity Coverage Ratio (LCR, %)(%)	226.0%	197.0%	209.0%
Average High-Quality Liquid Assets (HQLA, $M)($M)	15,245	18,922	22,128
Average Total Adjusted Net Cash Outflow ($M)($M)	6,739	9,626	10,596

Total Revenues Net of Interest Expense ($M)($M)9	20,062	19,637	18,907	18,980	18,426	17,856	16,967	17,179	16,636	16,333	15,801	15,799
Total Non-Interest Revenues ($M)($M)4	15,122	14,988	14,215	14,458	13,940	13,669	12,798	13,141	12,630	12,603	12,032	12,195
Discount Revenue ($M)($M)	10,169	10,163	9,512	9,884	9,413	9,361	8,743	9,177	8,780	8,855	8,380	8,580
Net Card Fees ($M)($M)	2,969	2,862	2,752	2,629	2,551	2,480	2,333	2,245	2,170	2,060	1,974	1,907
Service Fees and Other Revenue ($M)($M)6	1,984	1,963	1,951	1,945	1,976	1,828	1,722	1,719	1,680	1,688	1,678	1,294
Foreign Currency-Related Revenue ($M)($M)	508	486	480	433	447	435	382	387	401	381	358	357
Network Partnership Revenue ($M)($M)	496	480	449	471	456	438	408	429	413	408	386
Loyalty Coalition, Merchant & Other Service Fees ($M)($M)	436	448	464	460	407	407	436	412	370	385	442	404
Delinquency (Late) Fees ($M)($M)	253	249	255	246	245	238	237	236	236	235	234	246
Travel Commissions and Fees ($M)($M)	189	176	150	175	167	148	136	115	157	157	167	161
Other Fees and Revenues ($M)($M)	101	124	154	161	254	162	123	140	103	122	91	126
Processed Revenue (Pre-2025 Line Item, $M)($M)								429	413	408	386	414
Net Interest Income ($M)($M)2	4,940	4,649	4,692	4,522	4,486	4,187	4,169	4,038	4,006	3,730	3,769	3,604
Total Interest Income ($M)($M)3	6,858	6,607	6,665	6,582	6,617	6,264	6,135	6,077	6,149	5,794	5,775	5,552
Interest on Card Member & Other Loans ($M)($M)	6,387	6,119	6,136	6,064	5,970	5,648	5,552	5,503	5,442	5,092	5,058	4,910
Interest on Deposits with Banks and Other ($M)($M)	426	452	512	501	632	599	569	556	689	677	692	611
Interest and Dividends on Investment Securities ($M)($M)	45	36	17	17	15	17	14	18	18	25	25	31
Total Interest Expense ($M)($M)2	1,918	1,958	1,973	2,060	2,131	2,077	1,966	2,039	2,143	2,064	2,006	1,948
Customer Deposits Interest Expense ($M)($M)	1,242	1,276	1,287	1,343	1,371	1,374	1,337	1,397	1,446	1,425	1,427	1,385
Long-Term Debt and Other Interest Expense ($M)($M)	676	682	686	717	760	703	629	642	697	639	579	563
Total Provisions for Credit Losses ($M)($M)4	985	1,084	1,251	1,414	1,287	1,405	1,150	1,292	1,356	1,268	1,269	1,437
Provisions for Credit Losses — Card Balances ($M)($M)	895	1,017	1,187	1,231	1,220	1,320	1,047
Provisions for Credit Losses — Card Member Loans (Pre-2026, $M)($M)				1,042	1,030	1,094	901	1,011	1,114	970	1,014	1,148
Provisions for Credit Losses — Card Member Receivables (Pre-2026, $M)($M)				189	190	226	146	182	170	226	196	222
Provisions for Credit Losses — Other Loans ($M)($M)	90	67	64	183	67	85	103	99	72	72	59	67
Total Revenues Net of Interest Expense After Provisions ($M)($M)	19,077	18,553	17,656	17,566	17,139	16,451	15,817	15,887	15,280	15,065	14,532	14,362
Total Operating Expenses ($M)($M)6	14,546	14,482	13,878	14,476	13,314	12,901	12,487	13,131	12,076	11,275	11,387	11,850
Card Member Rewards Expense ($M)($M)	5,090	5,051	4,891	4,805	4,608	4,618	4,378	4,430	4,168	4,227	3,774	3,851
Business Development Expense ($M)($M)	1,795	1,755	1,591	1,728	1,611	1,589	1,529	1,637	1,430	1,427	1,392	1,483
Card Member Services Expense ($M)($M)	2,006	1,949	1,975	1,951	1,477	1,301	1,328	1,278	1,179	1,154	1,171	1,063
Marketing Expense ($M)($M)	1,770	1,650	1,480	1,612	1,599	1,555	1,486	1,614	1,470	1,480	1,476	1,228
Salaries and Employee Benefits ($M)($M)	2,570	2,344	2,482	2,505	2,239	2,152	2,120	2,102	2,049	1,949	2,098	2,131
Other Operating Expenses ($M)($M)3	-218	294	147	396	406	375	400	567	476	-205	364	685
Data Processing and Equipment Expense ($M)($M)	858	817	767	810	751	720	705	805	725	701	657	764
Professional Services Expense ($M)($M)	675	622	545	669	623	591	541	698	579	542	455	645
Other General & Administrative Expense ($M)($M)	764	294	147	396	406	375	400	567	476	326	364	685
Pretax Income ($M)($M)	4,531	4,071	3,778	3,090	3,825	3,550	3,330	2,756	3,204	3,790	3,145	2,512
Income Tax Provision ($M)($M)	819	961	807	628	923	665	746	586	697	775	708	579
Effective Tax Rate (%)(%)	18.1%	23.6%	21.4%	20.3%	24.1%	18.7%	22.4%	21.3%	21.8%	20.4%	22.5%	23.0%
Net Income ($M)($M)2	3,712	3,110	2,971	2,462	2,902	2,885	2,584	2,170	2,507	3,015	2,437	1,933
Net Income Attributable to Common Shareholders ($M)($M)	3,649	3,076	2,938	2,429	2,868	2,852	2,552	2,139	2,474	2,977	2,405	1,904
Dividends on Preferred Shares ($M)($M)		15	14	15	14	15	14	14	15	15	14	15
Diluted Earnings Per Common Share ($)($)8	5.42	4.53	4.28	3.53	4.14	4.08	3.64	3.04	3.49	4.15	3.33	2.62
Basic Earnings Per Common Share ($)($)	5.43	4.54	4.29	3.53	4.14	4.08	3.64	3.04	3.50	4.16	3.34	2.63
Cash Dividends Declared Per Common Share ($)($)	0.95	0.95	0.95	0.82	0.82	0.82	0.82	0.70	0.70	0.70	0.70	0.60
Book Value Per Common Share ($)($)	51.02	48.42	47.50	46.45	44.76	44.16	42.28	40.88	39.92	39.26	37.79	36.61
Average Diluted Common Shares Outstanding (M)(M)	674	679	686	688	693	699	702	704	709	717	722	726
Average Basic Common Shares Outstanding (M)(M)	673	678	685	687	692	698	701	703	708	716	721	725
End-of-Period Common Shares Outstanding (M)(M)	671	675	682	686	689	696	701	702	704	712	719	723
Beginning-of-Period Common Shares Outstanding (M)(M)	675	682	686	689	696	701	702	704	712	719	723	729
Common Shares Repurchased (Quarterly, M)(M)	-5	-7	-5	-2	-7	-5	-2	-3	-8	-7	-5	-6
Total Assets ($M)($M)10	310,275	308,203	308,894	300,052	297,550	295,556	282,244	271,461	270,979	272,219	269,261	261,108
Cash and Cash Equivalents ($M)($M)	43,203	45,243	53,757	47,792	54,706	57,937	52,508	40,640	47,918	52,895	54,213	46,596
Card Balances, Less Reserves ($M)($M)	215,440	212,188	207,247	207,774	199,769	195,913	191,966
Card Member Receivables, Less Reserves ($M)($M)				61,851	60,823	59,405	58,355	59,240	58,886	59,485	59,624	60,237
Card Member Loans, Less Reserves ($M)($M)				145,923	138,946	136,508	133,611	133,995	128,960	125,530	121,348	120,877
Card Balances / Loans Held for Sale ($M)($M)		1,752	2,477	2,457	2,424	2,405	776	758
Investment Securities ($M)($M)	5,117	4,073	2,625	1,043	1,374	1,258	1,110	1,240	1,268	1,210	2,232	2,186
Premises and Equipment, Net ($M)($M)		7,689	7,240	6,118	5,861	5,662	5,383	5,371	5,308	5,247	5,138	5,138
Other Assets ($M)($M)2	46,515	44,947	42,788	40,986	39,277	38,043	35,884	35,588	33,947	33,099	31,844	31,212
Goodwill ($M)($M)				4,872				4,187				3,851
Other Intangible Assets, at Amortized Cost ($M)($M)				90				123				98
Total Liabilities ($M)($M)4	274,478	273,923	274,899	266,578	265,133	263,245	251,042	241,197	241,272	242,679	240,497	233,051
Customer Deposits ($M)($M)	155,019	156,973	157,948	152,488	149,883	149,386	146,396	139,413	135,438	133,746	134,418	129,144
Short-Term Borrowings ($M)($M)	1,415	2,032	1,692	1,371	1,446	1,493	1,559	1,374	1,457	1,639	1,742	1,293
Long-Term Debt ($M)($M)	58,538	57,017	58,750	56,387	57,787	58,202	51,236	49,715	53,546	51,521	48,826	47,866
Other Liabilities ($M)($M)	59,506	57,901	56,509	56,332	56,017	54,164	51,851	50,695	50,831	55,773	55,511	54,748
Total Shareholders' Equity ($M)($M)	35,797	34,280	33,995	33,474	32,417	32,311	31,202	30,264	29,707	29,540	28,764	28,057
Operating Cash Flow ($M)($M)9		5,371	3,804	3,067	6,233	4,364	4,764	5,778	-1,812	4,532	5,552	6,769
Capital Expenditures ($M)($M)		898	1,149	722	654	619	430	495	455	565	396	426
Depreciation and Amortization ($M)($M)		488	468	462	455	427	433	428	437	421	390	422
Stock-Based Compensation ($M)($M)		155	203	141	125	127	158	111	113	104	176	109
Investing Cash Flow ($M)($M)		-8,977	-2,872	-9,947	-6,598	-6,797	451	-12,245	-3,522	-5,491	-3,144	-8,169
Financing Cash Flow ($M)($M)		-4,902	4,976	-154	-2,957	7,678	6,643	-770	350	-325	5,181	4,067
Common & Preferred Dividends Paid ($M)($M)		665	583	583	586	593	509	510	516	521	452	454
Common Share Repurchases ($M)($M)		2,304	1,911	899	2,351	1,356	1,208	1,031	1,935	1,762	1,292	901
Long-Term Debt Issued ($M)($M)		2,614	3,502	2,002	6,479	11,128	4,768	83	4,640	5,534	2,345	2,526
Long-Term Debt Repaid ($M)($M)		3,947	1,524	3,261	7,001	4,361	3,534	3,401	3,207	2,901	1,250	1,433

American Express National Bank (AENB) — CET1 Risk-Based Capital Ratio (%)(%)4	10.9%	10.9%	11.0%		11.0%	11.1%	11.8%		11.6%	11.4%	11.2%
AENB — Tier 1 Risk-Based Capital Ratio (%)(%)	10.9%	10.9%	11.0%		11.0%	11.1%	11.8%		11.6%	11.4%	11.2%
AENB — Total Risk-Based Capital Ratio (%)(%)	13.0%	13.0%	13.1%		13.1%	13.3%	13.4%		13.2%	13.0%	12.9%
AENB — Tier 1 Leverage Ratio (%)(%)	8.9%	8.8%	8.7%		8.5%	8.7%	9.5%		9.1%	9.1%	9.0%
AENB — Supplementary Leverage Ratio (SLR, %)(%)	7.5%	7.4%	7.3%		7.2%	7.4%	8.0%
AENB (FFIEC Call Report) — Total Assets ($M)($M)30		213,946	217,569	211,275	211,134	211,721	203,448	193,062	192,154	192,276	189,503	180,421
AENB — Total Loans and Leases, Gross ($M)($M)		172,329	168,873	171,109	163,194	160,790	157,724	159,200	151,012	149,465	145,108	144,695
AENB — Total Loans and Leases, Net ($M)($M)		166,714	163,073	165,259	157,391	155,095	152,238	153,622	145,584	144,298	140,012	139,749
AENB — Credit Card Loans Held by Bank ($M)($M)		113,444	110,480	114,112	106,599	105,388	102,978	106,680	99,422	98,568	95,784	97,692
AENB — Total Consumer Loans ($M)($M)		121,917	118,383	122,200	114,403	112,780	110,016	113,336	105,356	104,177	101,019	102,649
AENB — Commercial & Industrial (Small Business) Loans ($M)($M)		48,143	48,266	46,997	46,743	46,059	45,769	44,047	43,875	43,607	42,624	40,644
AENB — Allowance for Credit Losses on Loans ($M)($M)		5,615	5,800	5,850	5,803	5,696	5,487	5,578	5,429	5,167	5,097	4,946
AENB — Noncurrent Loans (90+ DPD or Nonaccrual, $M)($M)		1,088	1,230	1,211	1,213	1,123	1,115	1,183	1,048	994	1,050	965
AENB — Total Deposits ($M)($M)		171,555	173,984	167,789	168,152	168,450	158,851	149,994	146,508	148,704	147,755	140,967
AENB — Domestic Deposits ($M)($M)		171,555	173,984	167,789	168,152	168,450	158,851	149,994	146,508	148,704	147,755	140,967
AENB — Core Deposits ($M)($M)		145,221	146,717	140,269	139,528	139,516	131,867	124,903	122,669	122,574	119,217	110,350
AENB — FDIC-Insured Deposits ($M)($M)		143,717	144,563	139,973	137,890	137,341	134,098	127,475	123,797	122,681	123,750	118,432
AENB — Brokered Deposits ($M)($M)		23,581	24,905	25,614	27,003	27,437	25,636	23,721	22,290	24,577	26,898	28,867
AENB — Total Bank Equity Capital ($M)($M)		19,155	19,008	19,011	18,166	18,181	19,160	18,550	17,557	17,189	16,514	16,654
AENB — Tier 1 Capital (Call Report, $M)($M)		19,155	19,008	19,011	18,166	18,181	19,160	18,749	17,752	17,381	16,701	17,038
AENB — Risk-Weighted Assets (Call Report RWA, $M)($M)		176,344	173,430	173,768	165,798	164,033	161,697	161,603	153,207	152,578	148,696	147,040
AENB — Off-Balance Sheet Unused Credit Card Lines ($M)($M)		399,984	399,360	390,174	385,038	377,591	371,554	361,374	356,344	347,262	339,937	330,965
AENB — Total Off-Balance Sheet Unused Loan Commitments ($M)($M)		408,092	407,075	397,585	392,129	384,260	377,567	366,951	361,560	352,017	344,324	334,851
AENB — Net Interest Income ($M)($M)		4,432	4,450	4,361	4,293	4,065	4,021	3,913	3,867	3,558	3,565	3,386
AENB — Total Interest Income ($M)($M)		6,003	6,073	6,056	6,064	5,792	5,695	5,644	5,706	5,338	5,309	5,086
AENB — Total Interest Expense ($M)($M)		1,571	1,623	1,695	1,771	1,727	1,674	1,731	1,840	1,780	1,745	1,700
AENB — Provision for Credit Losses ($M)($M)		839	990	1,121	1,047	1,174	951	1,091	1,162	1,039	1,070	1,213
AENB — Total Noninterest Income ($M)($M)		8,311	7,758	8,021	7,642	7,539	7,214	7,447	7,010	6,989	6,576	6,772
AENB — Total Noninterest Expense ($M)($M)		9,290	8,620	8,808	8,053	7,971	7,508	7,757	7,253	7,377	7,027	6,757
AENB — Bank Net Income ($M)($M)		1,957	2,003	1,895	2,134	1,871	2,109	1,894	1,868	1,616	1,561	1,694
AENB — Total Net Loan Charge-Offs ($M)($M)		1,028	1,030	1,075	939	965	1,042	942	900	969	920	824
AENB — Net Interest Margin (YTD Annualized, %)(%)		8.5%	8.5%	8.3%	8.2%	8.2%	8.3%	8.0%	7.9%	7.8%	7.9%	7.4%
AENB — Return on Assets (ROA YTD Annualized, %)(%)		3.7%	3.7%	3.9%	4.0%	3.9%	4.3%	3.7%	3.6%	3.4%	3.4%	3.5%
AENB — Return on Equity (ROE YTD Annualized, %)(%)		41.6%	42.1%	43.0%	44.0%	42.7%	44.8%	40.1%	39.6%	37.9%	37.6%	38.9%
AENB — Efficiency Ratio (%)(%)		71.8%	70.6%	68.6%	67.7%	67.8%	66.8%	68.5%	68.6%	69.6%	69.3%	69.1%
AENB — Full-Time Equivalent Employees (FTE)		2,582	2,522	2,477	2,411	2,373	2,284	2,199	2,122	2,108	2,064	2,022

U.S. Revolving Consumer Credit Outstanding (Fed G.19 REVOLSL, $B)9
U.S. Commercial Bank Credit Card Interest Rate — All Accounts (TERMCBCCALLNS, %)(%)	21.2%	20.9%	21.0%	21.0%	21.4%	21.2%	21.4%	21.5%	21.8%	21.5%	21.6%	21.5%
U.S. Commercial Bank Credit Card Interest Rate — Accounts Assessed Interest (TERMCBCCINTNS, %)(%)	22.4%	22.2%	21.5%	22.3%	22.8%	22.3%	21.9%	22.8%	23.4%	22.8%	22.6%	22.8%
U.S. Commercial Bank Credit Card Delinquency Rate (DRCCLACBS, %)(%)		2.9%	2.9%	3.0%	3.0%	3.0%	3.1%	3.1%	3.2%	3.2%	3.2%	3.1%
U.S. Commercial Bank Credit Card Charge-Off Rate (CORCCACBS, %)(%)		3.8%	3.8%	4.1%	4.2%	4.2%	4.4%	4.6%	4.7%	4.6%	4.4%	4.2%
U.S. Commercial Bank All Loans Delinquency Rate (DRALACBN, %)(%)		1.4%	1.5%	1.5%	1.4%	1.4%	1.5%	1.6%	1.5%	1.4%	1.4%	1.4%
U.S. Commercial Bank All Loans Charge-Off Rate (CORALACBN, %)(%)		0.6%	0.6%	0.6%	0.6%	0.6%	0.6%	0.7%	0.6%	0.7%	0.6%	0.6%
U.S. Commercial Bank Business Loans Delinquency Rate (DRBLACBS, %)(%)		1.3%	1.3%	1.3%	1.3%	1.3%	1.3%	1.3%	1.2%	1.2%	1.1%	1.0%
Senior Loan Officer Survey: Net % Tightening Credit Card Standards (DRTSCLCC, %)(%)	6.7%	2.0%	0.0%	4.2%	10.4%	5.6%	9.4%	18.4%	20.0%	21.2%	22.9%	28.9%
Senior Loan Officer Survey: Net % Tightening C&I Loan Standards (DRTSCILM, %)(%)	0.0%	8.1%	5.3%	6.5%	9.5%	18.5%	6.2%	0.0%	7.9%	15.6%	14.5%	33.9%
U.S. Personal Consumption Expenditures (BEA PCE, $B SAAR)2
U.S. E-Commerce Retail Sales (Census ECOMSA, $M)($M)		340,244	327,861	317,999	310,817	303,284	297,701	300,329	295,249	288,822	283,038	276,781
U.S. E-Commerce Share of Total Retail Sales (ECOMPCTSA, %)(%)		17.1%	17.0%	16.7%	16.4%	16.3%	16.0%	16.2%	16.2%	16.1%	15.9%	15.5%

31 metrics have no data in the last 12 quarters — .

Italic numbers are calculated by StockData from reported figures (hover for the formula). Numbers with a dotted underline are read from the text of earnings releases and presentations; hover to see the exact sentence. Tick a row to add it to the chart above (up to 8 lines).

Methodology and excluded metrics

Fiscal Calendar & Coverage: American Express Company (CIK 0000004962) operates on a calendar fiscal year ending December 31 (Q1 ends Mar 31, Q2 ends Jun 30, Q3 ends Sep 30, Q4 ends Dec 31). Latest company filings integrated: Q3 2026 Form 10-Q & Form 8-K EX-99.1/EX-99.2 (ended September 30, 2026, filed October 23, 2026), September 2026 Form 8-K Item 7.01 Monthly Credit Statistics & Form 10-D Master Trust Report (filed October 15, 2026), FY2025 Form 10-K (filed February 6, 2026), FY2025 Form 11-K (filed June 17, 2026), 2026 DEF 14A Proxy Statement (filed March 25, 2026), and 2025–2026 Sustainability Disclosure.
Closed-Loop Payment Network & 2022 Segment Realignment: In Q3 2022, American Express realigned its reportable operating segments from three legacy segments (Global Consumer Services Group [GCSG], Global Commercial Services [GCS], and Global Merchant and Network Services [GMNS]) into four reportable segments: U.S. Consumer Services (USCS), Commercial Services (CS), International Card Services (ICS), and Global Merchant and Network Services (GMNS), plus Corporate & Other. Historical quarters from 1Q20 through 2Q22 were recast in the Q3 2022 Form 8-K EX-99.2 Appendix III and are seamlessly integrated here.
2026 Card Balances Presentation Change: Beginning in Q1 2026, American Express presents combined 'Card balances' (combining Card Member loans and Card Member receivables) in its Selected Credit-Related Statistical Information tables, with comparative recast back to 1Q24/FY2024. Both the unified Card Balances series (FY2024–FY2026Q3) and the separate Card Member Loans and Card Member Receivables series (FY2016–FY2025Q4) are reported in Group 3 and Group 5.
Regulated Bank & International Subsidiaries (Group 6): Integrates (1) American Express National Bank (AENB, FDIC Cert 27471, RSSD 1394676 — 35 quarterly/annual FFIEC Call Report series FY2015..FY2026Q2 plus SEC Note 21 / Table 15 regulatory capital series through FY2026Q3), (2) American Express Credit Account Master Trust (CIK 0001003509 — 24 monthly Form 10-D securitization trust performance series 2021-12..2026-09), (3) American Express International, Inc. (AEII — audited U.S. GAAP financial statements FY2023–FY2025 from UK Companies House filings), and (4) UK FCA-regulated subsidiaries American Express Services Europe Limited (AESEL, 01833139) and American Express Payment Services Limited (AEPSL, 06301718) for FY2021–FY2025.
Parent-Company Evaluation (Step 0 & Step 3): American Express Company (Parent Company Only, Form 10-K Note 24) is a financial holding company whose assets consist primarily of equity in net assets of subsidiaries ($33,636M) and intercompany loans to subsidiaries ($31,887M), with $0 direct card discount or card fee revenue. Subtracting Parent Company from Consolidated therefore does not isolate an operating subsidiary (it leaves a mix of AENB, AEII, TRS, and intercompany eliminations) and fails Step 3. Instead, AENB, AEII, AESEL, AEPSL, and Parent Company Only are reported directly from their respective regulatory and statutory filings in Group 6.
Bound & Qualitative Disclosures Excluded from Numeric Cells per Step 4: (1) Card Member credit balances included in non-interest-bearing deposits in pre-2020 footnotes where only parenthetical bounds were noted; (2) U.S. Revolving Credit Facility commitment of $4.0 billion (undrawn as of September 30, 2026); (3) Long-term aspiration of '10%+ revenue growth and mid-teens EPS growth' in investor presentations.
Strict Formula Compliance: Every cell contains either a directly reported figure (with verbatim quote verification for text sources) or one of the two permitted period-split derivations: `Q4 = full year (10-K) − nine months (10-Q)` (`Q4_NOTE`) and `quarter = year-to-date − previous year-to-date (cash flow statement)` (`YTD_NOTE`).

Data updated 2026-10-25.

Every KPI on its own page

Full history, chart, sources and a citation for each metric

American Express Co (AXP) operating KPIs

KPIs

Every KPI on its own page

1. Global Payment Network, Billed Business & Card Member KPIs

2. Operating Segments (USCS, CS, ICS, GMNS, Corporate & Other) & Geographic Regions

3. Card Member Credit Quality, Reserves & Monthly Securitization Trust Performance

4. Customer Deposits, Net Interest Yield, Liquidity & Regulatory Capital

5. Consolidated Financial Statements, Fee & Liability Note Breakdowns & Share Repurchases

6. Regulated Bank (AENB), International Subsidiaries (AEII, AESEL, AEPSL) & Parent Company

7. Human Capital, Executive Compensation, 401(k) Plan (Form 11-K) & Sustainability (ESG)

8. U.S. Consumer Credit, Card Spend & Interest Rate Benchmarks (Federal Reserve / BEA / Census)