{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-26-000102","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2026-02-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.428775+00:00","generated_at":"2026-05-16T02:37:19.311836+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"AXP Jan 2026 credit trends: Consumer net write-off improves to 1.9%, Small Biz worsens to 2.8%","bullets":["U.S. Consumer card loans: total $97.2B, 30+ days past due 1.4%, net write-off rate 1.9% (down from 2.1% in Dec 2025).","U.S. Small Business card loans: total $31.4B, 30+ days past due 1.7%, net write-off rate 2.8% (up from 2.7% in Dec 2025).","Combined U.S. Consumer and Small Business loans held for investment: $128.6B, down from $131.0B in Dec 2025.","Credit Account Master Trust: $25.2B ending principal; annualized default rate 1.1% (down from 1.2% in Dec 2025).","Default amount in trust remained low at $0.04B for January 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-26-000102","json":"https://secwatch.observer/filing/0000004962-26-000102.json","markdown":"https://secwatch.observer/filing/0000004962-26-000102.md","text":"https://secwatch.observer/filing/0000004962-26-000102.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000102/0000004962-26-000102-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000102/axp-20260217.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T02:37:19.311836+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"}