AMERICAN EXPRESS CO

AXP 10-K · Q4 2025
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Income Statement

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Income Statement
Metric Q4 2025 Q4 2024 YoY
Noninterest Income 14,458 13,141 +10.0%
Show Product Lines breakouts
Credit Card 2,629 2,245 +17.1%
Credit Card Merchant Discount 9,884 9,177 +7.7%
Financial Service Other 1,945 1,719 +13.1%
Show Business Segments breakouts
CS · Operating Segments 3,526 3,388 +4.1%
GMNS · Operating Segments 1,858 1,723 +7.8%
ICS · Operating Segments 3,192 2,725 +17.1%
USCS · Operating Segments 5,904 5,314 +11.1%
Show Consolidation Items breakouts
Corporate and Other -22 -9 -144.4%
Interest And Fee Income Loans And Leases 6,064 5,503 +10.2%
Interest And Dividend Income Securities 17 18 -5.6%
Interest Income Deposits With Financial Institutions 501 556 -9.9%
Interest And Dividend Income Operating 6,582 6,077 +8.3%
Show Business Segments breakouts
CS · Operating Segments 1,333 1,176 +13.4%
GMNS · Operating Segments 9 11 -18.2%
ICS · Operating Segments 666 583 +14.2%
USCS · Operating Segments 4,072 3,753 +8.5%
Show Consolidation Items breakouts
Corporate and Other 502 554 -9.4%
Interest Expense Deposits 1,343 1,397 -3.9%
Interest Expense Long Term Debt 717 642 +11.7%
Interest Expense Operating 2,060 2,039 +1.0%
Show Business Segments breakouts
CS · Operating Segments 461 442 +4.3%
GMNS · Operating Segments -172 -160 -7.5%
ICS · Operating Segments 362 318 +13.8%
USCS · Operating Segments 820 815 +0.6%
Show Consolidation Items breakouts
Corporate and Other 589 624 -5.6%
Interest Income Expense Net 4,522 4,038 +12.0%
Show Business Segments breakouts
CS · Operating Segments 872 734 +18.8%
GMNS · Operating Segments 181 171 +5.8%
ICS · Operating Segments 304 265 +14.7%
USCS · Operating Segments 3,252 2,938 +10.7%
Show Consolidation Items breakouts
Corporate and Other -87 -70 -24.3%
Revenues Net Of Interest Expense 18,980 17,179 +10.5%
Show Business Segments breakouts
CS · Operating Segments 4,398 4,122 +6.7%
GMNS · Operating Segments 2,039 1,894 +7.7%
ICS · Operating Segments 3,496 2,990 +16.9%
USCS · Operating Segments 9,156 8,252 +11.0%
Show Consolidation Items breakouts
Corporate and Other -109 -79 -38.0%
Provision For Loan Losses Expensed 1,414 1,292 +9.4%
Show Business Segments breakouts
CS · Operating Segments 359 311 +15.4%
GMNS · Operating Segments 70 6 +1066.7%
ICS · Operating Segments 211 194 +8.8%
USCS · Operating Segments 773 784 -1.4%
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts
Card Member loans 1,042 1,011 +3.1%
Card Member receivables 189 182 +3.8%
Other 183 99 +84.8%
Other loans 90 94 -4.3%
Total Revenues Net Of Interest Expense After Provisions For Losses 17,566 15,887 +10.6%
Show Business Segments breakouts
CS · Operating Segments 4,039 3,811 +6.0%
GMNS · Operating Segments 1,969 1,888 +4.3%
ICS · Operating Segments 3,285 2,796 +17.5%
USCS · Operating Segments 8,383 7,468 +12.3%
Show Consolidation Items breakouts
Corporate and Other -110 -76 -44.7%
Card Member Rewards 4,805 4,430 +8.5%
Business Development 1,728 1,637 +5.6%
Marketing Expense 1,612 1,614 -0.1%
Show Business Segments breakouts
CS · Operating Segments 350 360 -2.8%
GMNS · Operating Segments 116 130 -10.8%
ICS · Operating Segments 347 306 +13.4%
USCS · Operating Segments 797 813 -2.0%
Show Consolidation Items breakouts
Corporate and Other 2 5 -60.0%
Labor And Related Expense 2,505 2,102 +19.2%
Other Noninterest Expense 1,875 2,070 -9.4%
Noninterest Expense 14,476 13,131 +10.2%
Show Business Segments breakouts
CS · Operating Segments 3,202 2,997 +6.8%
GMNS · Operating Segments 1,085 1,035 +4.8%
ICS · Operating Segments 2,969 2,762 +7.5%
USCS · Operating Segments 6,833 5,923 +15.4%
Show Consolidation Items breakouts
Corporate and Other 387 414 -6.5%
Income Before Taxes 3,090 2,756 +12.1%
Show Business Segments breakouts
CS · Operating Segments 837 814 +2.8%
GMNS · Operating Segments 884 853 +3.6%
ICS · Operating Segments 316 34 +829.4%
USCS · Operating Segments 1,550 1,545 +0.3%
Show Consolidation Items breakouts
Corporate and Other -497 -490 -1.4%
Income Tax Expense (Benefit) 628 586 +7.2%
Net Income 2,462 2,170 +13.5%
Show Equity Components breakouts
Retained Earnings 2,462 2,170 +13.5%
EPS (Basic) 3.54 3.05 +16.1%
EPS (Diluted) 3.53 3.04 +16.1%
Wtd Avg Shares (Basic) -2 -3 +33.3%
Wtd Avg Shares (Diluted) -2 -3 +33.3%
Revenue 10,942 9,952 +9.9%
Show Business Segments breakouts
CS · Operating Segments 3,067 2,956 +3.8%
GMNS · Operating Segments 1,661 1,546 +7.4%
ICS · Operating Segments 2,052 1,783 +15.1%
USCS · Operating Segments 4,164 3,696 +12.7%
Show Consolidation Items breakouts
Corporate and Other -3 -29 +89.7%
Comprehensive Income 2,434 1,970 +23.6%
Other Comprehensive Income -28 -200 +86.0%
Show Equity Components breakouts
Accumulated Defined Benefit Plans Adjustment -44 21 -309.5%
Accumulated Net Unrealized Investment Gain Loss 1 -3 +133.3%
Accumulated Other Comprehensive Income -28 -200 +86.0%
Accumulated Translation Adjustment 15 -218 +106.9%
Net Income Loss Available To Common Stockholders Basic 2,447 2,156 +13.5%
Professional Fees 669 698 -4.2%

Balance Sheet

Balance Sheet
Metric Q4 2025 Q4 2024 YoY
Current Assets
Short-Term Investments 742 221 +235.7%
Non-Current Assets
Property, Plant & Equipment 6,118 5,371 +13.9%
Total Assets 300,052 271,461 +10.5%
Show Business Segments breakouts
CS · Operating Segments 63,168 58,969 +7.1%
GMNS · Operating Segments 18,686 17,712 +5.5%
ICS · Operating Segments 50,089 42,879 +16.8%
USCS · Operating Segments 122,968 114,228 +7.7%
Show Consolidated Entities breakouts
Parent Company 79,137 68,219 +16.0%
Show Consolidation Items breakouts
Corporate and Other 45,141 37,673 +19.8%
Operating Segments 254,911 233,788 +9.0%
Operating Lease Right-of-Use Assets 998 804 +24.1%
Goodwill 4,872 4,187 +16.4%
Show Business Segments breakouts
CS 2,744 2,148 +27.7%
GMNS 554 551 +0.5%
ICS 775 716 +8.2%
USCS 799 772 +3.5%
Intangible Assets 90 123 -26.8%
Other Assets
Cash And Due From Banks 3,559 3,413 +4.3%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 47,792 40,640 +17.6%
Show Consolidated Entities breakouts
Parent Company 11,870 7,293 +62.8%
Notes Receivable Net (Q) — — —
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts
Card Member loans 145,923 133,995 +8.9%
Card Member receivables 61,851 59,240 +4.4%
Other loans 10,605 9,038 +17.3%
Loans Receivable Held For Sale Amount (Q) — — —
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts
Card Member loans 2,457 758 +224.1%
Debt And Equity Securities Available For Sale 1,043 1,240 -15.9%
Other Assets 24,263 21,179 +14.6%
Show Consolidated Entities breakouts
Parent Company 1,107 573 +93.2%
Non-Current Liabilities
Accounts Payable Current And Noncurrent 14,700 13,884 +5.9%
Long-Term Debt 56,387 49,715 +13.4%
Show Debt Instrument breakouts
Fixed Rate Senior Notes · Long Term Debt 9,865 14,582 -32.3%
Fixed Rate Senior Notes · Long Term Debt 336 333 +0.9%
Fixed Rate Senior Notes · Long Term Debt 13,181 13,934 -5.4%
Fixed-to-Floating Rate Senior Notes · Long Term Debt 27,445 15,973 +71.8%
Fixed-to-Floating Rate Subordinated Notes · Long Term Debt 1,771 1,742 +1.7%
Floating Rate Borrowings · Long Term Debt 275 247 +11.3%
Floating Rate Senior Notes · Long Term Debt 3,650 3,000 +21.7%
Show Type of Debt [Axis] breakouts
Long Term Debt 56,387 49,715 +13.4%
Show Consolidated Entities breakouts
Parent Company 42,787 35,312 +21.2%
Variable Interest Entity Primary Beneficiary 13,022 13,880 -6.2%
Total Liabilities 266,578 241,197 +10.5%
Show Consolidated Entities breakouts
Parent Company 45,663 37,955 +20.3%
Other Liabilities
Interest Bearing Deposits In Banks 43,491 37,006 +17.5%
Deposits 152,488 139,413 +9.4%
Short Term Borrowings 1,371 1,374 -0.2%
Show Short Term Debt Type breakouts
Other Short Term Borrowings 1,371 1,374 -0.2%
Other Liabilities 41,632 36,811 +13.1%
Stockholders' Equity
Common Stock 138 141 -2.1%
Additional Paid-In Capital 11,126 11,370 -2.1%
Retained Earnings 25,487 22,148 +15.1%
Accumulated Other Comprehensive Income -3,277 -3,395 +3.5%
Total Stockholders' Equity 33,474 30,264 +10.6%
Show Equity Components breakouts
Accumulated Defined Benefit Plans Adjustment -490 -462 -6.1%
Accumulated Net Unrealized Investment Gain Loss -4 -9 +55.6%
Accumulated Other Comprehensive Income -3,277 -3,395 +3.5%
Accumulated Translation Adjustment -2,783 -2,924 +4.8%
Additional Paid In Capital 11,126 11,370 -2.1%
Common Stock 138 141 -2.1%
Retained Earnings 25,487 22,148 +15.1%
Show Consolidated Entities breakouts
Parent Company 33,474 30,264 +10.6%
Total Liabilities & Equity 300,052 271,461 +10.5%
Show Consolidated Entities breakouts
Parent Company 79,137 68,219 +16.0%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q4 2025 YTD Q4 2024 YoY
Operating Activities
Depreciation Amortization And Accretion Net 462 428 +7.9%
Stock-Based Compensation 141 111 +27.0%
Deferred Income Taxes 100 -73 +237.0%
Other Non-Cash Items -311 -231 -34.6%
Increase Decrease In Other Operating Assets -1,448 1,229 -217.8%
Increase Decrease In Accounts Payable And Other Operating Liabilities 321 852 -62.3%
Net Cash from Operations 3,067 5,778 -46.9%
Investing Activities
Proceeds From Sale Of Available For Sale Securities Debt 5 7 -28.6%
Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities 577 304 +89.8%
Payments To Acquire Investments -446 -383 -16.4%
Payments For Proceeds From Loans Receivable -9,361 -11,314 +17.3%
Capital Expenditures -722 -495 -45.9%
Payments To Acquire Businesses Net Of Cash Acquired 0 -364 +100.0%
Net Cash from Investing -9,947 -12,245 +18.8%
Financing Activities
Increase Decrease In Deposits 2,606 4,000 -34.8%
Proceeds From Repayments Of Short Term Debt -28 38 -173.7%
Proceeds From Issuance Of Long Term Debt 2,002 83 +2312.0%
Repayments Of Long Term Debt -3,261 -3,401 +4.1%
Proceeds From Issuance Of Common Stock 9 51 -82.4%
Share Repurchases -899 -1,031 +12.8%
Payments Of Dividends -583 -510 -14.3%
Net Cash from Financing -154 -770 +80.0%
Other Cash Flow
Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 120 -41 +392.7%
Net Change in Cash -6,914 -7,278 +5.0%

Values in millions USD. Source: SEC EDGAR 10-K filing.

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