---
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"
generated_at: "2026-05-17T03:28:46.606917+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/4962/000000496225000218/0000004962-25-000218-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/4962/000000496225000218/axp-20251017.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000004962-25-000218
- JSON: https://secwatch.observer/filing/0000004962-25-000218.json
- Plain text: https://secwatch.observer/filing/0000004962-25-000218.txt

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