{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-25-000030","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2025-04-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.990635+00:00","generated_at":"2026-05-23T15:09:59.607996+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"confidence":"high","headline":"American Express March 2025 card delinquency stable at 1.4% (Consumer) and 1.6% (Small Business); write-offs 2.4%/2.6%","bullets":["Total US Consumer card loans $90.1B; 30+ days past due 1.4%; net write-off rate (principal only) 2.4% for Q1.","Total US Small Business card loans $31.2B; 30+ days past due 1.6%; net write-off rate 2.6% for Q1.","Lowe's small-business cobrand portfolio reclassified to held for sale effective Dec 1, 2024; loans excluded from table.","Lending Trust annualized default rate 1.5% for March 2025; 30+ days delinquent $0.2B.","Total card member loans held for investment $121.3B as of March 31, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-25-000030","json":"https://secwatch.observer/filing/0000004962-25-000030.json","markdown":"https://secwatch.observer/filing/0000004962-25-000030.md","text":"https://secwatch.observer/filing/0000004962-25-000030.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000030/0000004962-25-000030-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000030/axp-20250415.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T15:09:59.607996+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"}