American Express earnings report

Note: This section contains information in English only.
Source: Dukascopy Bank SA
American Express reported strong financial results, with revenue rising 11% year-over-year to a record $18.4 billion and earnings per share increasing 19% to $4.14. Net income reached $2.9 billion, up from $2.5 billion a year ago. Card Member spending grew 9%, or 8% on a foreign exchange-adjusted basis, driven by increased usage and engagement. The refreshed U.S. Platinum Card saw strong early demand, with new account acquisitions doubling pre-refresh levels. Credit loss provisions fell slightly to $1.3 billion, as lower reserve builds offset higher net write-offs, which remained steady at a 1.9% rate. Expenses increased 10% due to higher customer engagement and operating costs, while the effective tax rate rose to 24.1% from 21.8% due to tax law changes. Given the strong year-to-date performance, the company raised its full-year 2025 guidance to 9–10% revenue growth and EPS between $15.20 and $15.50.



CEO Stephen Squeri expressed confidence in continued growth through product innovation and strong customer loyalty.
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