---
schema_version: "secwatch.filing_event.v1"
accession: "0000004962-23-000004"
form_type: "8-K"
ticker: "AXP"
cik: "0000004962"
company_name: "AMERICAN EXPRESS CO"
filed_at: "2023-01-27T23:59:59+00:00"
generated_at: "2026-06-20T07:28:36.681666+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# American Express FY2022 revenue up 25% to $52.9B; guides FY2023 EPS $11.00-11.40

## Summary
- Q4 revenue record $14.2B (+17% YoY); EPS $2.07 vs $2.18 a year ago.
- FY2022 EPS $9.85 vs $10.02; provisions for credit losses $2.2B vs benefit of $1.4B in 2021.
- Guides FY2023 revenue growth 15-17% and EPS $11.00-$11.40.
- Plans to raise quarterly dividend 15% to $0.60/share starting Q1 2023.
- Record 12.5 million new Card accounts added in 2022; card member spending drove growth.

## SEC filing metadata
- accession: 0000004962-23-000004
- form_type: 8-K
- ticker: AXP
- cik: 0000004962
- company_name: AMERICAN EXPRESS CO
- filed_at: 2023-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/4962/000000496223000004/0000004962-23-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/4962/000000496223000004/axp-20230127.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000004962-23-000004
- JSON: https://secwatch.observer/filing/0000004962-23-000004.json
- Plain text: https://secwatch.observer/filing/0000004962-23-000004.txt

## Key facts
- Earnings Releases
  AMERICAN EXPRESS CO reported Fourth-quarter 2022 results: revenue $14.2 billion, net income $1.6 billion, EPS $2.07.
  - Period: Fourth-quarter 2022
  - Revenue: $14.2 billion
  - Net income: $1.6 billion
  - EPS: $2.07
  - Result: reported results
  source text: Fourth-quarter consolidated total revenues net of interest expense were $14.2 billion, up 17 percent from $12.1 billion a year ago.
  evidence_url: https://www.sec.gov/Archives/edgar/data/4962/000000496223000004/0000004962-23-000004-index.htm
- Earnings Releases
  AMERICAN EXPRESS CO reported Fourth-quarter 2022 results: revenue $14.2 billion, net income $1.6 billion, EPS $2.07.
  - Period: Fourth-quarter 2022
  - Revenue: $14.2 billion
  - Net income: $1.6 billion
  - EPS: $2.07
  - Result: reported results
  source text: AMERICAN EXPRESS DELIVERS ON 2022 GROWTH PLAN WITH FULL-YEAR REVENUE GROWTH OF 25% AND EARNINGS PER SHARE OF $9.85 FOURTH-QUARTER 2022 REVENUE INCREASED 17% TO A RECORD $14.2 BILLION, DRIVEN BY HIGHEST EVER QUARTERLY CARD MEMBER SPENDING; EPS FOR QUARTER WAS $2.07 COMPANY EXPECTS FULL-YEAR 2023 REVENUE GROWTH OF 15% TO 17% AND EPS OF $11.00 TO $11.40 AS IT
  evidence_url: https://www.sec.gov/Archives/edgar/data/4962/000000496223000004/0000004962-23-000004-index.htm
- Earnings Releases
  AMERICAN EXPRESS CO reported Full-year 2023 results: revenue 15% to 17%, EPS $11.00 to $11.40. Guidance initiated.
  - Period: Full-year 2023
  - Revenue: 15% to 17%
  - EPS: $11.00 to $11.40
  - Guidance: initiated
  - Result: guidance update
  source text: Given our momentum, we expect 2023 revenue growth of 15 percent to 17 percent and earnings per share of $11.00 to $11.40.
  evidence_url: https://www.sec.gov/Archives/edgar/data/4962/000000496223000004/0000004962-23-000004-index.htm
- Earnings Releases
  AMERICAN EXPRESS CO reported Full-year 2022 results: revenue $52.9 billion, net income $7.5 billion, EPS $9.85.
  - Period: Full-year 2022
  - Revenue: $52.9 billion
  - Net income: $7.5 billion
  - EPS: $9.85
  - Result: reported results
  source text: Consolidated total revenues net of interest expense for the full year were $52.9 billion, up 25 percent from $42.4 billion a year ago.
  evidence_url: https://www.sec.gov/Archives/edgar/data/4962/000000496223000004/0000004962-23-000004-index.htm
- Earnings Releases
  AMERICAN EXPRESS CO reported Full-year 2022 results: revenue $52.9 billion, net income $7.5 billion, EPS $9.85.
  - Period: Full-year 2022
  - Revenue: $52.9 billion
  - Net income: $7.5 billion
  - EPS: $9.85
  - Result: reported results
  source text: longer-term growth plan aspirations for double-digit annual revenue growth and mid-teens EPS growth.” Consolidated total revenues net of interest expense for the full year were $52.9 billion, up 25 percent from $42.4 billion a year ago. The increase primarily reflected growth in Card Member spending compared to the prior year. Consolidated provisions for credit
  evidence_url: https://www.sec.gov/Archives/edgar/data/4962/000000496223000004/0000004962-23-000004-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.