{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-24-000051","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2024-07-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.557677+00:00","generated_at":"2026-05-31T19:20:07.484269+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 Q2 EPS $4.15 (adj. $3.49), raises FY guidance to $13.30-$13.80","bullets":["Q2 revenue record $16.3B (+8% YoY); net income $3.015B (+39%); GAAP EPS $4.15, adjusted EPS $3.49 (excl. $0.66 Accertify gain).","FY 2024 EPS guidance raised to $13.30-$13.80 from $12.65-$13.15; revenue growth outlook reaffirmed at 9%-11%.","Card fee revenue up 15% YoY to $2.06B; new card acquisitions 3.3M; billed business $388.2B (+5% YoY).","Provisions for credit losses $1.268B (+6% YoY) driven by higher net write-offs partly offset by lower reserve build.","Marketing spend expected ~15% higher YoY; company fully retained Accertify gain, boosting reported EPS."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-24-000051","json":"https://secwatch.observer/filing/0000004962-24-000051.json","markdown":"https://secwatch.observer/filing/0000004962-24-000051.md","text":"https://secwatch.observer/filing/0000004962-24-000051.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496224000051/0000004962-24-000051-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496224000051/axp-20240719.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T19:20:07.484269+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}