AXP releases Dec 2025 US consumer & small business loan delinquency/write-off stats

AMERICAN EXPRESS CO

Total U.S. Consumer & Small Business loans held for investment: $131.0B as of Dec 31, 2025.
U.S. Consumer 30+ day past due: 1.3%; net write-off rate (principal): 2.1%.
U.S. Small Business 30+ day past due: 1.7%; net write-off rate (principal): 2.7%.
Lending Trust annualized default rate (net of recoveries) for Dec 2025: 1.2%.
Credit metrics remained stable vs prior months; no material deterioration noted.

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