Revenue segments as reported by the company.

Non-interest revenues

Interest income

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Interest expense

Provisions for credit losses

Marketing and business development

Card Member rewards

Card Member services

Salaries and employee benefits

Other expenses

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

American Express

American Express Co. engages in the provision of charge and credit card products and travel-related services. It operates through the following segments: U.S Consumer Services (USCS), Commercial Services (CS), International Card Services (ICS), Global Merchant and Network Services (GMNS), and Corporate and Other. The USCS segment issues a wide range of proprietary consumer cards to U.S consumers. The CS segment offers proprietary corporate and small business cards and provides services to U.S. businesses, including payment and expense management, banking and non-card financing products. The ICS segment focuses on a range of proprietary consumer, small business and corporate cards outside the United States. It also provides services to international customers, including travel and lifestyle services, and manages certain international joint ventures and loyalty coalition businesses. The GMNS segment operates a global payments network that processes and settles card transactions, acquires merchants, and provides multi-channel marketing programs and capabilities, services, and data analytics. The Corporate and Other segment covers corporate functions and certain other businesses and operations. The company was founded by Henry Wells, William G. Fargo, and John Warren Butterfield on March 28, 1850 and is headquartered in New York, NY.

Earnings data Q1 2021

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

American Express exceeds revenue targets, eyes growth through innovation

American Express (AXP) delivered strong financial performance in Q4 2022, exceeding revenue and EPS guidance. The company focuses on innovation, marketing, and risk management to drive growth in 2023. AXP's revenue growth was driven by discount revenue, net card fee revenues, and net interest income.
Despite challenges such as increased operating expenses and strong competition, AXP's strategic focus on premium customers and efficiencies positions them well for future growth. The company's emphasis on customer retention, efficient marketing spend, and international growth presents opportunities for expansion amidst competitive pressures and potential macroeconomic fluctuations.

American Express reports record Q1 revenues and reaffirms strong outlook

American Express delivered a robust performance in Q1 2023, driven by strong revenue growth, resilient credit metrics, and strategic acquisitions, positioning the company for continued success.
While facing challenges such as evolving spending trends and competitive risks, the company's focus on customer value propositions and operational efficiency provides avenues for sustained growth and profitability.
Opportunities in expanding T&E spending, enhancing competitive positioning, and leveraging capital strength underscore American Express's potential for future growth and value creation.

American Express (AXP) reports record Q2 revenues and eyes global expansion

American Express (AXP) delivered strong financial performance in Q2 2023, driven by record revenues and strategic initiatives.
While facing challenges such as credit normalization and competitive pressures, AXP's focus on partnerships and customer segments positions it for growth.
Opportunities in expanding network partnerships, marketing investments, and revenue diversification pave the way for future success.

American Express (AXP) reports record Q3 revenues and strong growth outlook

American Express (AXP) reported strong Q3 results, showcasing consistent growth and performance across key metrics, including record revenues and earnings per share.
The company's focus on innovation, enhancing value propositions, and attracting premium Card Members positions it well for sustainable growth and value creation in the market.
While facing challenges in regulatory discussions and evolving consumer behaviors, American Express (AXP) remains optimistic about achieving full-year revenue and EPS growth in line with guidance.

American Express reports record revenues and strategic growth plans

American Express (AXP) delivered strong financial performance in 2023, with record revenues and net income. The company's focus on growth post-COVID and strategic partnerships position it well for the future.
While facing challenges in small business spending and potential regulatory changes, American Express remains resilient with a commitment to innovation and enhancing customer value propositions.
Opportunities lie in dividend increases, new business segments, and strategic card acquisition strategies, offering avenues for continued growth and shareholder value creation.

American Express (AXP) reports robust Q1 earnings and outlines growth strategies

American Express (AXP) showcased strong financial performance in Q1, driven by revenue and EPS growth, robust spending trends, and disciplined credit management. While facing challenges in SME spending and Goods & Services growth, the company remains focused on growth opportunities in international markets and premium consumer segments. AXP's strategic focus on showcasing growth strategies and financial performance at the Investor Day underscores its commitment to sustained growth and innovation.

American Express (AXP) reports record Q2 earnings and optimistic outlook

American Express (AXP) delivered exceptional Q2 results, raising EPS guidance and emphasizing growth drivers. Despite elevated marketing spend, they remain confident in their ability to meet expectations and drive long-term growth.

American Express (AXP) reports robust Q3 earnings and eyes dining market for growth

American Express (AXP) delivered strong financial results in Q3, raising full-year guidance and showcasing consistent revenue growth. The company's strategic product refreshes and focus on dining experiences position it well for future growth. While facing some cost challenges, Amex remains resilient with a strong credit performance.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

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Income tax payable

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Total equity

Stockholders equity

Minority interest

Total liabilities & equity

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Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

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Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

American Express Co. is an integrated payments company, which engages in the provision of credit and charge cards to consumers, small businesses, mid-sized companies, and large corporations. It operates through the following segments: the United States Consumer Services (USCS), Commercial Services (CS), International Card Services (ICS), Global Merchant and Network Services (GMNS), and Corporate and Other. The USCS segment includes proprietary consumer cards and provides services to consumers including travel and lifestyle services as well as banking and non-card financing products. The CS segment offers proprietary corporate and small business cards and provides services to businesses including payment and expense management, banking, and non-card financing products. The ICS segment focuses on providing services to international customers including travel and lifestyle services and managing certain international joint ventures and loyalty coalition businesses. The GMNS segment is involved in operating a global payments network that processes and settles card transactions, acquires merchants, and provides multi-channel marketing programs and capabilities, services and data analytics. The Corporate and Other segment covers corporate functions and certain other businesses and operations. The company was founded by Henry Wells, William G. Fargo, and John Warren Butterfield on March 28, 1850 and is headquartered in New York, NY.

Despite a positive start to the session for major indices today, American Express (NYSE: AXP ) is representing one of the lowlights. The company did post an overall encouraging third-quarter earnings report, beating estimates for both the top and bottom lines.

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U.S. consumer is soldiering on despite soaring inflation and recession risk, credit card giants say

American Express Company (NYSE:AXP ) Q3 2022 Earnings Conference Call October 21, 2022 8:30 AM ET Company Participants Kerri Bernstein - Head, Investor Relations Steve Squeri - Chairman & Chief Executive Officer Jeff Campbell - Chief Financial Officer Conference Call Participants Ryan Nash - Goldman Sachs Sanjay Sakhrani - KBW Mark DeVries - Barclays Betsy Graseck - Morgan Stanley Bob Napoli - William Blair Rick Shane - JPMorgan Dominick Gabriele - Oppenheimer Moshe Orenbuch - Credit Suisse Don Fandetti - Wells Fargo Bill Carcache - Wolfe Research Lisa Ellis - MoffettNathanson Mihir Bhatia - Bank of America Operator Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q3 2022 Earnings Call.

American Express Company (AXP) Q3 2022 Earnings Call Transcript

The company reported earnings for the third quarter of the year.

Why Shares of American Express Are Falling This Morning

American Express (AXP) delivered earnings and revenue surprises of 2.07% and 0.31%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?

American Express (AXP) Tops Q3 Earnings and Revenue Estimates

American Express beat earnings and revenue views Friday, as spending on goods and services, as well as travel and entertainment, came in ahead of forecasts.

American Express Beats Earnings & Revenue Views, Raises Guidance

American Express Co on Friday forecast its full-year profit to be higher than initially expected, but built bigger provisions to prepare for potential defaults as an economic downturn looms, sending its shares down 5% in premarket trading.

AmEx forecasts stronger earnings even as it builds bigger provisions

Though acknowledging “mixed signals” in the economy, American Express Co. once again cited strong spending trends as the financial services giant posted better-than-expected earnings for its latest quarter.

American Express says spending remains strong as earnings top expectations

NEW YORK--(BUSINESS WIRE)--American Express Company (NYSE: AXP) today reported third-quarter net income of $1.9 billion, or $2.47 per share, compared with net income of $1.8 billion, or $2.27 per share, a year ago.

American Express Third-Quarter Revenue Increased 24% To $13.6 Billion

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AXP shares have displayed notable relative strength in 2022, down 11% and widely outperforming the S&P 500.

American Express Q3 Preview: Can Shares Remain Strong?

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NEW YORK--(BUSINESS WIRE)--American Express® (NYSE: AXP) and Cvent® (Nasdaq: CVT), a market-leading meetings, events, and hospitality technology provider, today introduced enhanced features to the Cvent Event Marketing & Management platform that further expand virtual payment capabilities, leveraging American Express' integrated budget management and payment automation solutions.

American Express and Cvent Team Up to Make Virtual Payments More Seamless

Third-quarter results of American Express (AXP) are likely to reflect a rise in travel and entertainment spending levels.

Can American Express' (AXP) Q3 Earnings Beat on Estimates?

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Both brands are maintaining a wide economic moat and the industry has huge barriers to entry which protects them from future competitors. The recovery of the travel industry and international transactions have a positive impact on both Visa's and American Express' revenue growth.

Visa Vs. American Express: Great Quality On Fair Value

American Express Co. caters to more affluent consumers, and the company has been upbeat in recent months about the way its business has held up amid challenging economic conditions.

Amex stock downgraded at Citi as recession fears loom

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After the stronger than expected jobs report, the next big data point will come on Thursday when the consumer price index figures for September are released.

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Jay Clayton, known for his role as chairman of the Securities and Exchange Commission from May 4, 2017, until Dec. 23, 2020, joined American Express' board of directors.

AmEx names former SEC chairman to board

Jay Clayton, who formerly chaired the Securities and Exchange Commission, has joined the board of directors at American Express Co. AXP, -0.75% , the card company announced Thursday. "Jay's deep regulatory and legal expertise and knowledge in financial markets, along with his extensive experience advising organizations on corporate governance matters, will make him a tremendous asset to our board," Amex Chief Executive Stephen Squeri said in a release.

Former SEC chair Jay Clayton joins Amex board

NEW YORK--(BUSINESS WIRE)--American Express Company (NYSE: AXP) today announced that Walter Joseph “Jay” Clayton has been elected to its Board of Directors, effective October 5, 2022. Mr. Clayton served as the Chairman of the U.S. Securities and Exchange Commission (SEC) between 2017 and 2020 and is currently a Senior Policy Advisor and Of Counsel at Sullivan & Cromwell LLP. “Jay's deep regulatory and legal expertise and knowledge in financial markets, along with his extensive experience ad

American Express Elects Jay Clayton to Board of Directors

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News for American Express Stock (AXP)