---
schema_version: "secwatch.filing_event.v1"
accession: "0000004962-25-000082"
form_type: "8-K"
ticker: "AXP"
cik: "0000004962"
company_name: "AMERICAN EXPRESS CO"
filed_at: "2025-07-18T23:59:59+00:00"
generated_at: "2026-05-18T05:52:29.636118+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# American Express Q2 revenue record $17.9B, up 9%; adjusted EPS up 17%; reaffirms FY guidance

## Summary
- Revenue $17.9B (+9% YoY); EPS $4.08 (-2% reported, +17% adjusted excl. prior-year gain).
- Card Member spending quarterly high of $416.3B, up 7% YoY (FX-adjusted) driven by strong premium demand.
- Provisions for credit losses $1.4B (+8% YoY); net write-off rate improved to 2.0% from 2.1%.
- Reaffirms FY2025 guidance: revenue growth 8-10%, EPS $15.00-$15.50.
- Announced upcoming U.S. Consumer and Business Platinum Card refresh this fall.

## SEC filing metadata
- accession: 0000004962-25-000082
- form_type: 8-K
- ticker: AXP
- cik: 0000004962
- company_name: AMERICAN EXPRESS CO
- filed_at: 2025-07-18T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/4962/000000496225000082/0000004962-25-000082-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/4962/000000496225000082/axp-20250718.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000004962-25-000082
- JSON: https://secwatch.observer/filing/0000004962-25-000082.json
- Plain text: https://secwatch.observer/filing/0000004962-25-000082.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.