{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-26-000028","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2026-01-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.428178+00:00","generated_at":"2026-05-16T10:15:23.527532+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"AXP releases Dec 2025 US consumer & small business loan delinquency/write-off stats","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-26-000028","json":"https://secwatch.observer/filing/0000004962-26-000028.json","markdown":"https://secwatch.observer/filing/0000004962-26-000028.md","text":"https://secwatch.observer/filing/0000004962-26-000028.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000028/0000004962-26-000028-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000028/axp-20260115.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T10:15:23.527532+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"}