{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-23-000037","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2023-10-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.707289+00:00","generated_at":"2026-06-09T19:14:34.572878+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"American Express Q3 net income $2.45B, EPS $3.30; revenue record $15.4B, up 13% YoY","bullets":["Record quarterly revenue of $15.4B (+13% YoY) driven by card member spending and higher loan volumes.","Diluted EPS of $3.30, a record, up 34% from $2.47 a year ago; net income $2.451B (+30%).","Provisions for credit losses rose 58% to $1.233B, reflecting higher net write-offs and a lower reserve build.","Card member spending (billed business) grew 8% YoY; T&E spending up 13% and U.S. Millennial/Gen Z spending up 18%.","Company reaffirms full-year guidance; long-term growth plan aspirational."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-23-000037","json":"https://secwatch.observer/filing/0000004962-23-000037.json","markdown":"https://secwatch.observer/filing/0000004962-23-000037.md","text":"https://secwatch.observer/filing/0000004962-23-000037.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496223000037/0000004962-23-000037-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496223000037/axp-20231020.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T19:14:34.572878+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"958ce4d7e377bf92989568b7e0264f2e3bdd5e12","claim":"AMERICAN EXPRESS CO reported third-quarter 2023 results: revenue $15,381 million, net income $2,451 million, EPS $3.30. Guidance reaffirmed.","evidence_excerpt":"Michelle A. Scianni, Michelle.A.Scianni@aexp.com, +1.212.640.5574 AMERICAN EXPRESS REPORTS SIXTH CONSECUTIVE QUARTER OF RECORD REVENUE, UP 13% FROM YEAR EARLIER TO $15.4 BILLION THIRD-QUARTER EARNINGS PER SHARE ROSE 34% TO RECORD $3.30 STRONG RESULTS DRIVEN BY CONTINUED GROWTH IN CARD MEMBER SPENDING AND BEST-IN-CLASS CREDIT PERFORMANCE MOMENTUM SUPPORTS","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/4962/000000496223000037/0000004962-23-000037-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third-quarter 2023"},{"label":"Revenue","value":"$15,381 million"},{"label":"Net income","value":"$2,451 million"},{"label":"EPS","value":"$3.30"},{"label":"Guidance","value":"reaffirmed"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}