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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
Jan 23, 2026
After Close (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
3.58
Last Year’s EPS
3.04
Same Quarter Last Year
Based on 20 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Oct 17, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call highlighted significant revenue and EPS growth, strong cardmember spending, and the successful launch of the refreshed Platinum card, which exceeded expectations. While there are pressures from immediate benefit costs and a small gain from the Global Business Travel Group, the overall financial and operational performance was strong.
Company Guidance
During the Q3 2025 earnings call, American Express raised its full-year guidance, projecting revenue growth of 9-10% and earnings per share (EPS) between $15.20 and $15.50, a reflection of their strong financial performance this quarter. Revenue reached a record $18.4 billion, marking an 11% increase year-over-year, with EPS up 19% to $4.14. Cardmember spending grew by 9%, or 8% on an FX adjusted basis, with notable strength in retail and travel sectors. The company highlighted the success of their recently refreshed US Consumer and Business Platinum cards, which have seen customer demand and engagement exceed expectations. Additionally, American Express reported robust credit performance, with delinquency rates remaining below 2019 levels, and an ROE of 36%. The company's strategic focus on premium products and international markets continues to drive growth, with international spending up 13% FX adjusted.
Record Revenue and EPS Growth
Revenues increased by 11% year-over-year to a record $18.4 billion, and earnings per share (EPS) grew by 19% to $4.14.
Strong Cardmember Spending
Cardmember spending accelerated by 9%, or 8% on an FX adjusted basis, with strong retail spending and a rebound in travel.
Platinum Card Refresh Success
The launch of refreshed US Consumer and Business Platinum cards exceeded expectations, with new account acquisitions running at twice the level before the refresh in the first three weeks.
International Spend Growth
International spending increased by 13% FX-adjusted, with three of the top five countries growing by 18% or more.
Excellent Credit Performance
Credit performance remained strong, with both US consumer and small business delinquency rates still below 2019 levels.
Capital Return to Shareholders
Returned $2.9 billion of capital to shareholders, including $2.3 billion of share repurchases.

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
Jan 23, 2026
2025 (Q4)
3.58 / -
3.04
Oct 17, 2025
2025 (Q3)
4.00 / 4.14
3.4918.62% (+0.65)
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)
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
Oct 17, 2025
$323.12$346.62+7.27%
Jul 18, 2025
$314.55$307.17-2.35%
Apr 17, 2025
$251.64$250.04-0.64%
Jan 24, 2025
$323.16$318.66-1.39%
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 Jan 23, 2026, After Close (Confirmed).
    What is American Express (AXP) earnings time?
    American Express (AXP) earnings time is at Jan 23, 2026, 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 (Q4) is 3.58.

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