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An announcement from American Express ( (AXP) ) is now available.
For the months and quarter ended December 31, 2025, American Express reported that U.S. consumer card member loans held for investment rose to $100.2 billion and U.S. small business card loans totaled $30.8 billion, with 30‑day delinquency ratios of 1.3% and 1.7%, respectively, and net principal-only write-off rates of 2.1% for consumers and 2.7% for small business. The company also disclosed that the Lending Trust, which securitizes a portion of these loans and differs in composition from the total portfolios, recorded an ending principal balance of $26.4 billion in December 2025 with an annualized net default rate of 1.2% and low levels of 30+ day delinquencies, underscoring stable but carefully monitored credit performance across its card lending operations.
The most recent analyst rating on (AXP) stock is a Hold with a $385.00 price target. To see the full list of analyst forecasts on American Express stock, see the AXP Stock Forecast page.
Spark’s Take on AXP Stock
According to Spark, TipRanks’ AI Analyst, AXP is a Outperform.
American Express’s strong financial performance and positive earnings call are the most significant factors driving the stock score. The company’s robust revenue growth, profitability, and strategic focus on premium products and international markets are key strengths. Technical analysis supports a positive trend, although valuation metrics suggest the stock may be slightly overvalued. Overall, the company’s raised guidance and successful product launches underscore its growth potential.
To see Spark’s full report on AXP stock, click here.
More about American Express
American Express is a global financial services company focused on payment and card services, including U.S. consumer and small business credit card lending, where it manages card member loan portfolios that are partly securitized through the American Express Credit Account Master Trust.
Average Trading Volume: 2,650,302
Technical Sentiment Signal: Buy
Current Market Cap: $246.8B
For detailed information about AXP stock, go to TipRanks’ Stock Analysis page.