{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-25-000210","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2025-10-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.843233+00:00","generated_at":"2026-05-17T03:48:42.374972+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"American Express Sept credit metrics: consumer net write-off 1.9%, small biz 2.5%","bullets":["Total U.S. consumer and small business card loans held for investment: $124.8B as of Sept 30.","U.S. consumer net write-off rate (principal) 1.9% in Sept, down from 2.0% in Aug and July.","U.S. small business net write-off rate (principal) 2.5% in Sept, down from 2.7% in Aug and July.","30+ day past due loans 1.4% for consumer and 1.6% for small business, stable month-over-month.","Lending Trust annualized default rate 1.3% in Sept, vs 1.1% in July; total delinquent $0.2B."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-25-000210","json":"https://secwatch.observer/filing/0000004962-25-000210.json","markdown":"https://secwatch.observer/filing/0000004962-25-000210.md","text":"https://secwatch.observer/filing/0000004962-25-000210.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000210/0000004962-25-000210-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000210/axp-20251015.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:48:42.374972+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"}