{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-25-000060","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2025-05-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.991974+00:00","generated_at":"2026-05-21T06:21:55.965084+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"AmEx reports April credit metrics: U.S. Consumer net write-off rate declines to 2.0%","bullets":["U.S. Consumer total loans $90.7B; 30+ day delinquencies steady at 1.4%; net write-off rate fell to 2.0% from 2.5% in Feb.","U.S. Small Business total loans $31.6B; 30+ day delinquencies at 1.6%; net write-off rate improved to 2.4% from 2.6%.","Total loans (Consumer + Small Business) $122.3B at April 30, up from $118.0B at Feb 28.","Lending Trust annualized default rate (net) improved to 1.3% in April vs 1.8% in February; delinquencies flat at $0.2B.","Lowe's small business cobrand loans reclassified to held-for-sale since Dec 2024; excluded from loan table."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-25-000060","json":"https://secwatch.observer/filing/0000004962-25-000060.json","markdown":"https://secwatch.observer/filing/0000004962-25-000060.md","text":"https://secwatch.observer/filing/0000004962-25-000060.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000060/0000004962-25-000060-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000060/axp-20250515.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-21T06:21:55.965084+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"}