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American Express (AXP)
NYSE:AXP
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American Express (AXP) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Oct 17, 2025
After Close (Confirmed)
Period Ending
2025 (Q3)
Consensus EPS Forecast
3.98
Last Year’s EPS
3.49
Same Quarter Last Year
Based on 20 Analysts Ratings

Earnings Call Summary

Q2 2025
Earnings Call Date:Jul 18, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
American Express reported strong revenue and earnings growth, along with positive credit metrics and low stress capital requirements, indicating a robust financial position. However, there are concerns with softer travel and entertainment spending and increased competition in the premium card market.
Company Guidance
During the American Express Q2 2025 Earnings Call, the company reaffirmed its full-year revenue growth guidance of 8% to 10% and earnings per share (EPS) guidance between $15 and $15.50, reflecting confidence in their financial trajectory. The call highlighted several key metrics, including record revenues of $17.9 billion, up 9% year over year, and EPS of $4.08, a 17% increase excluding last year's gains from the certified sale. Total card member spending rose 7%, with a noted softness in travel categories like airlines and lodging, although overall spending hit a quarterly record. The Fed's annual CCAR process set American Express's preliminary stress capital buffer requirement at 2.5%, the lowest permissible level, underscoring its robust capital position. The company also reported acquiring 3.1 million new cards in Q2, maintaining a strong trajectory despite competitive pressures. The guidance reflects the company's resilience and strategic focus on premium product refreshes, including upcoming updates to their US consumer and business platinum cards, aimed at maintaining leadership in the premium card category.
Record-Breaking Revenue and Growth
American Express reported revenues of $17.9 billion, a 9% increase year over year. Earnings per share were $4.08, up 17% excluding the previous year's gain from the sale of the certified.
Low Stress Capital Buffer
American Express's stress capital buffer requirement was set at the lowest permissible level of 2.5%, demonstrating low projected credit card loss and high profitability rates under the Fed stress test.
Strong Net Card Fee Growth
Net card fees reached record levels, up 20%. The line has more than doubled since 2019, driven by focus on premium products.
Positive Credit Metrics
Q2 delinquency and write-off rates remained low with delinquency rates flat to Q1 while write-offs rates declined.
Robust International Growth
The international business continued to grow in double digits, up 12% FX adjusted in the quarter.

American Express (AXP) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

AXP Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Oct 17, 2025
2025 (Q3)
3.98 / -
3.49
Jul 18, 2025
2025 (Q2)
3.89 / 4.08
4.15-1.69% (-0.07)
Apr 17, 2025
2025 (Q1)
3.47 / 3.64
3.339.31% (+0.31)
Jan 24, 2025
2024 (Q4)
3.03 / 3.04
2.6216.03% (+0.42)
Oct 18, 2024
2024 (Q3)
3.29 / 3.49
3.35.76% (+0.19)
Jul 19, 2024
2024 (Q2)
3.26 / 4.15
2.8943.60% (+1.26)
Apr 19, 2024
2024 (Q1)
2.96 / 3.33
2.438.75% (+0.93)
Jan 26, 2024
2023 (Q4)
2.64 / 2.62
2.0726.57% (+0.55)
Oct 20, 2023
2023 (Q3)
2.95 / 3.30
2.4733.60% (+0.83)
Jul 21, 2023
2023 (Q2)
2.81 / 2.89
2.5712.45% (+0.32)
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed

AXP Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Jul 18, 2025
$315.35$307.95-2.35%
Apr 17, 2025
$252.28$250.68-0.63%
Jan 24, 2025
$323.97$319.47-1.39%
Oct 18, 2024
$283.45$274.53-3.15%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does American Express (AXP) report earnings?
American Express (AXP) is schdueled to report earning on Oct 17, 2025, After Close (Confirmed).
    What is American Express (AXP) earnings time?
    American Express (AXP) earnings time is at Oct 17, 2025, After Close (Confirmed).
      Where can I see when companies are reporting earnings?
      You can see which companies are reporting today on our designated earnings calendar.
        What companies are reporting earnings today?
        You can see a list of the companies which are reporting today on TipRanks earnings calendar.
          What is AXP EPS forecast?
          AXP EPS forecast for the fiscal quarter 2025 (Q3) is 3.98.

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