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American Express Company Goldman Sachs U.S. Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Goldman Sachs U.S. Financial Services Conference summary10 Dec, 2025
Key achievements and growth drivers
Celebrated 175th anniversary, emphasizing innovation, trust, and a premium membership model.
Achieved 9%-10% revenue growth and mid-teens EPS growth, with strong Q3 results and continued investment in product, partnerships, and technology.
Expanded partnerships with major brands and enhanced membership assets like lounges and fine hotels.
Billing growth reached 8.5% in Q3, driven by strong acquisition, retention, and increased T&E and retail spending.
Holiday season saw 9% growth in U.S. consumer retail and 13% in Platinum retail spending.
Product and membership model innovation
Platinum Card refresh led to double the new account acquisitions and record Amex Travel bookings.
Shifted focus from card refreshes to holistic membership model refreshes, emphasizing experiences and service.
Continued investment in dining, travel, and exclusive experiences to differentiate from competitors.
Enhanced digital integration, making benefits more accessible and creating value through closed-loop ecosystems.
Launched Amex Ads and improved Amex Offers, further embedding value in the ecosystem.
Financial model and partner value
Maintains 10% revenue and mid-teens EPS growth targets without loosening credit standards.
Variable engagement costs (VCE) increase with refreshes but drive revenue, marketing efficiency, and attract higher credit quality customers.
Partner-funded value is a key component, with merchant partners offering $3 billion in benefits.
The virtuous cycle of premium customers attracts more partners, expanding offers and driving card member engagement.
Fee-paying cards represent 70% of new acquisitions, with high retention and longer lifetime value.
VCE's impact on revenue, marketing, and credit
International merchant strategy and coverage
Credit impact of white-collar job losses
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Next American Express Company earnings date
Q4 202527 Jan, 2026
Next American Express Company earnings date
Q4 202527 Jan, 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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