{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-25-000218","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2025-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.843511+00:00","generated_at":"2026-05-17T03:28:46.606917+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Amex Q3 revenue record $18.4B (+11% YoY), EPS $4.14 (+19%), raises FY25 guidance","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-25-000218","json":"https://secwatch.observer/filing/0000004962-25-000218.json","markdown":"https://secwatch.observer/filing/0000004962-25-000218.md","text":"https://secwatch.observer/filing/0000004962-25-000218.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000218/0000004962-25-000218-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000218/axp-20251017.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:28:46.606917+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"}