Amex Q3 revenue record $18.4B (+11% YoY), EPS $4.14 (+19%), raises FY25 guidance

AMERICAN EXPRESS CO

2025-Q3 EPS reported $11.85 revenue$30,362,000,000

Revenue $18.4B (+11% YoY) to record; diluted EPS $4.14 (+19% YoY) vs $3.49.
Card Member spend growth accelerated to 8% FX-adjusted; net write-off rate steady at 1.9%.
U.S. Platinum Card refresh sees new account acquisitions double pre-refresh levels.
Raises FY2025 guidance: revenue growth 9%-10%, EPS $15.20-$15.50.
Provisions for credit losses decreased to $1.3B from $1.4B YoY; effective tax rate 24.1%.

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