The company said full-year 2025 total revenues net of interest expense were $72.2 billion, up 10% year over year (9% on an FX-adjusted basis), and net income was $10.8 billion. Diluted earnings per common share (EPS) was $15.38, up 10% from $14.01 a year earlier.

1. 01

   The company said full-year 2025 total revenues net of interest expense were $72.2 billion, up 10% year over year (9% on an FX-adjusted basis), and net income was $10.8 billion. Diluted earnings per common share (EPS) was $15.38, up 10% from $14.01 a year earlier.

2. 02

   American Express said adjusted EPS for full-year 2025, excluding the prior-year Accertify transaction gain, was $13.35, and full-year EPS of $15.38 rose 15% from that level. The company said the gain recognized in Q2 2024 was $0.66 per share after tax.

3. 03

   The company said full-year 2025 provisions for credit losses rose slightly to $5.3 billion from $5.2 billion a year earlier, and the net write-off rate was 2.0%, unchanged from the prior year. Total expenses for the year were $53.2 billion, up 11% year over year.

4. 04

   The company expects full-year 2026 revenue growth of 9 to 10% and EPS of $17.30 to $17.90, and said it plans to raise its quarterly dividend by about 16%, from $0.82 to $0.95. The increase will take effect with the dividend declared in Q1 2026.

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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