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American Express Company Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Full-year 2025 revenue reached $72.23B, up 10% year-over-year, with adjusted EPS of $15.38, up 15% excluding the Accertify gain.
Card member spending, net interest income, and card fee growth remained strong, with double-digit card fee growth for 30 consecutive quarters.
Continued investment in technology, product refreshes, and partnerships, including new Platinum cards, AI-driven commerce, and expanded co-brand relationships.
Maintained excellent credit quality and high customer retention, especially among premium cardholders.
Achieved #1 ranking in U.S. Small Business Credit Card Customer Satisfaction by J.D. Power for the fifth consecutive year.
Financial highlights
Net card fees grew 18% to $9.99B for FY 2025; net interest income rose 12% to $17.36B.
Q4 2025 revenues were $19.0B, up 10% year-over-year; Q4 net income was $2.46B, up 13% year-over-year.
Full-year net income was $10.83B, up 7%; consolidated expenses increased 11% to $53.2B.
Provisions for credit losses were $5.3B for the year, with a net write-off rate of 2.0% and reserve rate of 2.9%.
ROE reached 34% for the full year; CET1 ratio at Q4'25 was 10.5%.
Outlook and guidance
2026 revenue growth expected at 9–10% and EPS between $17.30 and $17.90.
Quarterly dividend to increase by 16% to $0.95 per share, starting Q1 2026.
Card fee growth expected to accelerate in 2026 as more Platinum cardholders renew at higher fees.
Long-term aspiration remains 10%+ revenue growth and mid-teens EPS growth.
Operating expenses expected to grow in the mid-single digits; marketing expense to rise in low single digits.
Assess Q4 credit metrics trend vs. 'best-in-class'.
Quantify ROI of strategic tech investments.
What is the revenue mix outlook for 2026?
Premium card acquisition strategy impact
Quantify tech investment ROI and efficiency gains
Commercial services competitive response post-M&A
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Next American Express Company earnings date
UBS Financial Services Conference 202610 Feb, 2026
American Express Company
Next American Express Company earnings date
UBS Financial Services Conference 202610 Feb, 2026
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Frequently asked questions
More than credit cards
American Express, also known as Amex, is a financial services company that provides a range of payment, travel, and expense management solutions to individuals and businesses. The company's products and services include credit cards, charge cards, traveler's checks, personal savings accounts, and small business solutions.
Some of American Express’ competitors include Discover, Visa, and Mastercard.
Further reading: The Payments Value Chain: A Complex Ecosystem
The main business segments
American Express operates through three main business segments:
Global Consumer Services Group. Provides a range of services and benefits to consumers through its card and payment products.
Global Commercial Services. Provides payment and financing solutions to businesses of all sizes
Global Merchant and Network Services. Provides payment processing, merchant acquisition, and other services to merchants around the world
Interesting facts about American Express
American Express was founded in 1850 and is headquartered in New York City. The company has a global presence, with operations in over 200 countries and territories.
An interesting fact about American Express is that the company was one of the earliest pioneers of the credit card industry, introducing the first charge card in 1958.
Additionally, American Express has a long history of sponsoring major events and experiences, including the U.S. Open tennis tournament, New York Fashion Week, and various music festivals.
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