---
schema_version: "secwatch.filing_event.v1"
accession: "0000004962-25-000172"
form_type: "8-K"
ticker: "AXP"
cik: "0000004962"
company_name: "AMERICAN EXPRESS CO"
filed_at: "2025-09-15T23:59:59+00:00"
generated_at: "2026-05-17T06:41:21.315438+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.45
calibrated_materiality_score: 0.45
confidence: "high"
source: SEC EDGAR
---

# AmEx reports stable August loan credit stats; total loans $125.5B

## Summary
- U.S. Consumer net write-off rate 2.0% (unchanged from July); 30+ day delinquency 1.3%.
- U.S. Small Business net write-off rate 2.7% (up from 2.6% in June); delinquency 1.6%.
- U.S. Consumer total loans $94.6B; Small Business $30.9B; combined $125.5B.
- Lending Trust annualized default rate 1.2% (Aug); total 30+ day delinquent $0.2B.

## SEC filing metadata
- accession: 0000004962-25-000172
- form_type: 8-K
- ticker: AXP
- cik: 0000004962
- company_name: AMERICAN EXPRESS CO
- filed_at: 2025-09-15T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.45
- calibrated_materiality_score: 0.45
- confidence: high
- sec_items: 7.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/4962/000000496225000172/0000004962-25-000172-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/4962/000000496225000172/axp-20250915.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000004962-25-000172
- JSON: https://secwatch.observer/filing/0000004962-25-000172.json
- Plain text: https://secwatch.observer/filing/0000004962-25-000172.txt

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