American Express Co.
American Express Co. (AXP) is a global payments company known for its charge and credit cards, merchant services and travel-related offerings. With a market cap around $244.69 billion, Amex combines a card-issuing model with its own transaction network, earning revenues from cardholder fees, merchant discount rates and lending interest. Investors often watch its affluent customer base, brand strength and cross-border travel exposure, which can drive both volumes and fees. Key considerations include sensitivity to consumer spending, credit losses in economic downturns, regulatory scrutiny of merchant fees, and competition from other card networks and fintechs. The company’s history of dividend payments and buybacks may appeal to income-oriented investors, but past performance is not a guarantee of future returns. This is general educational information, not personalised financial advice — suitability depends on an individual’s risk tolerance, time horizon and financial situation.
Why It's Moving
AXP Dips on Rate Cap Fears Ahead of Pivotal Earnings Test
- Shares retreated 7% in the first two weeks of January amid 'policy shock' from interest rate cap proposal, pricing in risks to lending profitability.
- Q4 earnings expected at $3.54 per share (up 16.45% YoY) and $18.86B revenue (up 9.79% YoY), but focus is on guidance for operating costs and policy response.
- Rising loan loss provisions and double-digit expense growth challenge 9% revenue momentum, prompting potential AI-driven efficiencies to protect affluent customer appeal.
AXP Dips on Rate Cap Fears Ahead of Pivotal Earnings Test
- Shares retreated 7% in the first two weeks of January amid 'policy shock' from interest rate cap proposal, pricing in risks to lending profitability.
- Q4 earnings expected at $3.54 per share (up 16.45% YoY) and $18.86B revenue (up 9.79% YoY), but focus is on guidance for operating costs and policy response.
- Rising loan loss provisions and double-digit expense growth challenge 9% revenue momentum, prompting potential AI-driven efficiencies to protect affluent customer appeal.
When is the next earnings date for American Express Co. (AXP)?
American Express is scheduled to report its next earnings on Friday, January 30, 2026, before market open. The report will cover the fourth quarter and full year 2025 results. Analysts are projecting an EPS of approximately $3.53-$3.54 for the quarter, with revenue estimates around $18.93 billion. This earnings announcement will provide investors with the company's year-end financial performance and updated guidance for 2026.
Stock Performance Snapshot
Analyst Rating
Analysts suggest holding American Express stock, with a target price indicating limited downside.
Financial Health
American Express is performing well with strong profits, cash flow, and revenue metrics.
Dividend
American Express Co. has a low dividend yield of 0.85%, making it less appealing for those seeking dividend income. If you invested $1000 you would be paid $8.50 a year in dividends (based on the last 12 months).
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Explore BasketWhy You’ll Want to Watch This Stock
Premium Customer Base
Amex’s affluent cardholders drive higher spending and fees, which can support revenue growth — though spending patterns can change in downturns.
Global Payments Network
Operating both issuer and network roles gives scale and data advantages, especially in cross-border transactions, but competition is intense.
Digital and Travel Trends
Recovery in travel and digital payments adoption can boost volumes; however, results may vary and regulatory or economic shifts can affect outcomes.
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