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American Express Co

AXPNYSEFinance ServicesFiscal year ends December 31
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 23, 2026Score 14/3017% above fair value
$327.98+8.87 (+2.78%)

Close on Nov 2, 2026Market cap $221.49BP/E 19.9Yield 1.00%

American Express Guide 3: Net Interest Rate Spread by Year

Guide 3: Net Interest Rate Spread (%) (%)

American Express Guide 3: Net Interest Rate Spread: 8.4% in FY2025, unchanged from a year earlier. That is the highest of the 11 years on record here.

Latest, FY2025
8.4%
Period ended Dec 31, 2025
Change on a year earlier
0.0 pts
8.4% in FY2024
History
11 years
Since FY2015
Sources
9
Documents cited below

Where the FY2025 figure comes from

“|| Interest rate spread | 8.4 | % | 8.4 | % | 8.2 | %”

Source: Form 10-K FY2025 (0000004962-26-000080, filed 2026-02-06) ↗

Annual history

Hover a value to see the sentence it was read from; calculated values show their formula

PeriodEndedGuide 3: Net Interest Rate Spread (%) (%)Year on yearSource
FY2025Dec 31, 20258.4%0.0 ptsForm 10-K FY2025 (0000004962-26-000080, filed 2026-02-06) ↗
FY2024Dec 31, 20248.4%+0.2 ptsForm 10-K FY2025 (0000004962-26-000080, filed 2026-02-06) ↗
FY2023Dec 31, 20238.2%+0.4 ptsForm 10-K FY2025 (0000004962-26-000080, filed 2026-02-06) ↗
FY2022Dec 31, 20227.8%+1.4 ptsForm 10-K FY2024 (0000004962-25-000016, filed 2025-02-07) ↗
FY2021Dec 31, 20216.4%+0.1 ptsForm 10-K FY2023 (0000004962-24-000013, filed 2024-02-09) ↗
FY2020Dec 31, 20206.3%-1.3 ptsForm 10-K FY2022 (0000004962-23-000006, filed 2023-02-10) ↗
FY2019Dec 31, 20197.6%+0.4 ptsForm 10-K FY2021 (0000004962-22-000008, filed 2022-02-11) ↗
FY2018Dec 31, 20187.2%+0.5 ptsForm 10-K FY2020 (0000004962-21-000013, filed 2021-02-12) ↗
FY2017Dec 31, 20176.7%+0.3 ptsForm 10-K FY2019 (0000004962-20-000030, filed 2020-02-13) ↗
FY2016Dec 31, 20166.4%+0.1 ptsForm 10-K FY2018 (0000004962-19-000018, filed 2019-02-13) ↗
FY2015Dec 31, 20156.3%–Form 10-K FY2017 (0000004962-18-000032, filed 2018-02-16) ↗

Cite this data

StockData. (2026). American Express Guide 3: Net Interest Rate Spread (%), annual FY2015–FY2025 [Data set]. Compiled from American Express SEC filings and investor materials. https://stockdatahq.com/stocks/axp/kpis/g3-interest-rate-spread-pct

See every metric in the American Express KPI table. Data updated Oct 25, 2026.