The company said full-year 2024 total revenues net of interest expense rose 9% to $65.9 billion (10% on an FX-adjusted basis), net income was $10.1 billion, and diluted EPS was $14.01.

1. 01

   The company said full-year 2024 total revenues net of interest expense rose 9% to $65.9 billion (10% on an FX-adjusted basis), net income was $10.1 billion, and diluted EPS was $14.01.

2. 02

   American Express said its full-year 2024 adjusted diluted EPS was $13.35, up 19% from $11.21 a year earlier, excluding the $0.66 per share gain on the sale of Accertify, Inc. recognized in Q2.

3. 03

   The company said full-year 2024 provisions for credit losses were $5.2 billion ($4.9 billion a year earlier), the net write-off rate was 2.0% (1.8% a year earlier), and total expenses rose 6% to $47.9 billion.

4. 04

   American Express outlined full-year 2025 guidance for revenue growth of 8% to 10% and EPS of $15.00 to $15.50, and said it plans to raise its quarterly dividend 17%, from $0.70 to $0.82 per share.

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the filing body and confirmed exhibits. This is not a review of other exhibits, investor presentations or the full earnings call.

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

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