---
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"
generated_at: "2026-05-16T10:15:23.527532+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 7.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000004962-26-000028
- JSON: https://secwatch.observer/filing/0000004962-26-000028.json
- Plain text: https://secwatch.observer/filing/0000004962-26-000028.txt

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