# AXP earnings call intelligence

LOPJLB CallCard / temporal rollup · freemium · [stock page](https://www.lopjlb.com/stock/AXP) · [Earnings tab](https://www.lopjlb.com/stock/AXP?tab=earnings)

Updated: 2026-07-25T05:45:58

Quarters analyzed: 8

## Latest CallCard · Q2

AXP Q2: 10% revenue growth, EPS $4.53; raises FY revenue guidance to 10%, maintains EPS $17.30-17.90; Platinum refresh drives spend acceleration, strong credit, reinvesting upside in TheFork, tech, acquisition.','tone': {'mgmt': 0.7, 'mgmt_rationale': 'Management raised revenue guidance, highlighted

**Guidance:** vague

**Tone:** mgmt 0 · Q&A pressure 0 · divergence 0

## Quarter one-liners

- **2026 Q2:** AXP Q2: 10% revenue growth, EPS $4.53; raises FY revenue guidance to 10%, maintains EPS $17.30-17.90; Platinum refresh drives spend acceleration, strong credit, reinvesting upside in TheFork, tech, acquisition.','tone': {'mgmt': 0.7, 'mgmt_rationale': 'Management raised revenue guidance, highlighted
- **2026 Q1:** AXP Q1 2026: Revenue +11% (10% FX), EPS
- **2025 Q4:** AXP delivered 10% revenue growth to $72B and 15% EPS growth to $15.38 in 2025, guiding 9-10% revenue growth and $17.30-17.90 EPS for 2026 with 16% dividend hike, driven by premium card momentum, tech investments, and stable credit.','tone': {'mgmt': 0.8, 'mgmt_rationale': 'Management emphasizes stro
- **2025 Q3:** AXP Q3: Revenue +11% to record $18.4B, EPS +19% to $4.14; raised FY guidance to 9-10% revenue growth, EPS $15.20-$15.50; Platinum refresh exceeding expectations with 2x new acquisitions.','tone':{'mgmt':0.7,'mgmt_rationale':'Management highlights record revenue, strong credit, raised guidance, and p
- **2025 Q2:** AXP Q2 2025: Revenue $17.9B (+9%), EPS $4.08 (+17%), reaffirms FY guidance; premium card refreshes driving fee growth, credit resilient, CCAR SCB at 2.5%; stablecoin partnership with Coinbase for cross-border.','tone': {'mgmt': 0.7, 'mgmt_rationale': 'Management highlighted record revenue, strong EP
- **2025 Q1:** AXP Q1 2025: Revenue $17B (+8% FX-adj, +9% ex-leap), EPS $3.64; maintaining 8-10% revenue growth and $15-15.50 EPS guidance. Premium spend resilient, 3.4M new cards, card fees +20%, credit strong. Macro uncertainty risen but model positioned for range of outcomes. CET1 10.7%, returned $1.3B capital,
- **2024 Q4:** American Express reported record $66B revenue and $10B net income in 2024, highlighted strong international merchant expansion and product refreshes, and guided 2025 revenue growth of 8‑10% with EPS $15‑$15.50 while noting spend sustainability and fintech competition concerns.
- **2024 Q3:** American Express posted a strong Q3 with EPS $3.49, revenue up 8%, raised full‑year EPS guidance, highlighted product refreshes and dining investments, while noting modest Fed‑easing impact and a slight dip in restaurant growth.

## Guidance path

2024 Q3:raised → 2024 Q4:maintained → 2025 Q1:maintained → 2025 Q2:vague → 2025 Q3:vague → 2025 Q4:vague → 2026 Q1:vague → 2026 Q2:vague

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Research context only. Not personalized investment advice.

API: `GET /bff/api/bigfive/earnings-intel/AXP`