{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-25-000020","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2025-02-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.034368+00:00","generated_at":"2026-05-26T17:48:12.166960+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"AmEx Jan U.S. Consumer net write-off rate 2.3%, Small Biz 2.5% — both up from Dec","bullets":["U.S. Consumer 30+ day delinquency rate flat at 1.4%; net write-off rate rose to 2.3% from 2.1% in Dec.","U.S. Small Business 30+ day delinquency 1.6% (up 10 bps); net write-off rate 2.5%, up from 2.4% in Dec.","Total U.S. Consumer+Small Biz loans $119.5B at Jan 31; $758M Lowe's cobrand loans reclassified to held for sale.","Lending Trust annualized default rate rose to 1.5% for Jan from 1.2% in Dec; total defaulted $0.05B.","All write-off rates are principal-only; metrics exclude the reclassified Lowe's portfolio."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-25-000020","json":"https://secwatch.observer/filing/0000004962-25-000020.json","markdown":"https://secwatch.observer/filing/0000004962-25-000020.md","text":"https://secwatch.observer/filing/0000004962-25-000020.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000020/0000004962-25-000020-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000020/axp-20250218.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T17:48:12.166960+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"}