---
schema_version: "secwatch.filing_event.v1"
accession: "0000004962-26-000318"
form_type: "8-K"
ticker: "AXP"
cik: "0000004962"
company_name: "AMERICAN EXPRESS CO"
filed_at: "2026-07-24T11:00:28+00:00"
generated_at: "2026-07-24T11:07:05.980147+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# American Express Q2 EPS $4.53 (+11% YoY), raises FY revenue growth guidance to 10%

## Summary
- Q2 revenue $19.6B (+10% YoY); Card Member spending growth 9% FX-adjusted, highest in three years.
- EPS $4.53 (+11% YoY), net income $3.1B; average diluted shares 679M (-3% YoY).
- FY 2026 revenue growth guidance raised to 10% from prior; EPS guidance reaffirmed at $17.30-$17.90.
- Provision for credit losses $1.1B, down from $1.4B; net write-off rate flat at 2.0%.
- Platinum portfolio now fastest growing in U.S. Consumer; strong Millennial/Gen-Z customer acquisition.

## SEC filing metadata
- accession: 0000004962-26-000318
- form_type: 8-K
- ticker: AXP
- cik: 0000004962
- company_name: AMERICAN EXPRESS CO
- filed_at: 2026-07-24T11:00:28+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/4962/000000496226000318/0000004962-26-000318-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/4962/000000496226000318/axp-20260724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000004962-26-000318
- JSON: https://secwatch.observer/filing/0000004962-26-000318.json
- Plain text: https://secwatch.observer/filing/0000004962-26-000318.txt

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