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

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Earnings data Q1 2022

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Earnings data Q1 2023

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Earnings data Q1 2024

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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

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Net PPE

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Total equity

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Minority interest

Total liabilities & equity

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Book value per share

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Funds from operations

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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.

American Express Co. continues to widen its product offerings to small business customers as it looks to grow behind its core credit card business to compete with banks and other financial firms.

Amex groups small business offerings together with new ‘business blueprint' hub

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NEW YORK--( BUSINESS WIRE )--American Express (NYSE: AXP) today announced the launch of American Express Business Blueprint™, the company's new digital cash flow management hub designed exclusively for small businesses, which features cash flow insights, digital financial products, and an easy way to reach and manage their Business Cards.

American Express Launches New Cash Flow Management Hub, Expanding Its Powerful Backing for Small Businesses

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The payment and credit card company continues to grow rapidly.

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Why American Express Stock Surged Today

American Express shares rose more than 10% Friday after the credit card provider announced it added a record number of new card accounts in 2022, allowing it to increase its dividend.

American Express Shares Soar on Outlook, Dividend Hike

The company has gotten a boost from its push toward the highest tier of spenders, but now it needs to show more progress on cost control.

The Spending American Express Should Worry About Is Its Own

American Express Company (NYSE:AXP ) Q4 2022 Earnings Conference Call January 27, 2023 8:30 AM ET Company Participants Kerri Bernstein - Head, Investor Relations Steve Squeri - Chairman and Chief Executive Officer Jeff Campbell - Chief Financial Officer Conference Call Participants Ryan Nash - Goldman Sachs Sanjay Sakhrani - KBW Betsy Graseck - Morgan Stanley Mark DeVries - Barclays Mihir Bhatia - Bank of America Brian Foran - Autonomous Research Rick Shane - JPMorgan Dominick Gabriele - Oppenheimer Moshe Orenbuch - Credit Suisse Bob Napoli - William Blair Don Fandetti - Wells Fargo Lisa Ellis - MoffettNathanson Operator Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q4 2022 Earnings Call.

American Express Company (AXP) Q4 2022 Earnings Call Transcript

American Express (AXP) intends to hike dividends by 15% to 60 cents per share, starting from the first quarter of 2023.

American Express (AXP) Misses on Q4 Earnings, Gives Upbeat View

Earnings results from American Express results Friday (Jan. 27th) show credit continues to be a preferred payment method among younger consumers. At a high level, billed business, which is a measure of card spending that includes transactions and cash volumes, was up 15% to $357 billion in the aggregate.

American Express: Card Spending by Millennials and Gen Z Soars 30%

While the top- and bottom-line numbers for American Express (AXP) give a sense of how the business performed in the quarter ended December 2022, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

American Express (AXP) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

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Year over year, headline PCE came in at +5.0%, a half-point lower than November's +5.5%.

PCE Melts Gently Overall; AXP, CVX, CL Post Q4 Results

American Express Company (NYSE:AXP) stock rallied more than 10% after the integrated payments company reported record revenues for 2022 and forecast more of the same for 2023 as more customers use its cards.  The New York-based company recorded fourth-quarter revenues net of interest expenses of $14.2 billion, a 17% improvement on the $12.1 billion reported a year earlier.

American Express reports record revenues as more customers take up its cards

American Express (AXP) delivered earnings and revenue surprises of -5.05% and 0.49%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?

American Express (AXP) Misses Q4 Earnings and Revenue Estimates

American Express notched record cardholder spending in 2022 as consumers increasingly turned to credit cards to grapple with elevated prices.

American Express CEO: No Sign Of ‘Recessionary Signals' As Credit Card Spending Soars

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AmEx is lifting its quarterly dividend by 15% to 60 cents a share.

American Express Posts an Earnings Miss. But the Stock Rises on Dividend Boost.

American Express Co. exceeded $50 billion in annual revenue last year for the first time, buoyed by continued strong spending levels among its customer base.

American Express earnings forecast tops expectations, as company boosts dividend

NEW YORK--( BUSINESS WIRE )--American Express Company (NYSE: AXP) today reported full-year net income of $7.5 billion, or $9.85 per share, compared with net income of $8.1 billion, or $10.02 per share, a year ago.

American Express Delivers on 2022 Growth Plan With Full-Year Revenue Growth of 25% and Earnings Per Share of $9.85

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We expect American Express to post mixed results, with earnings beating the consensus but revenues missing the mark by a slight margin.

News for American Express Stock (AXP)