American Express Company's Stock Analysis

American Express Issues $2 Billion in Fixed-to-Floating Rate Notes

American Express Company issued $2 billion aggregate principal amount of 4.804% Fixed-to-Floating Rate Notes due October 24, 2036 on October 24, 2025. This issuance is part of a Prospectus Supplement dated October 20, 2025, linked to the company's Registration Statement on Form S-3 filed earlier in February 2024.

The Notes were issued under a senior indenture established on August 1, 2007, with The Bank of New York Mellon serving as trustee. This issuance is supplemented by two previous indentures dated February 12, 2021, and May 1, 2023. The report includes references to exhibits that are part of the Registration Statement.

Oct 24, 2025 14:01:05

American Express Reports Third Quarter Financial Results for 2025

American Express Company announced its financial results for the third quarter of 2025 on October 17, 2025. The company provided insights into its revenue growth, credit performance, and operational expenses, emphasizing that future earnings per share and net revenues will be influenced by various factors, including macroeconomic conditions, consumer spending behavior, and competitive pressures in the payments industry.

The company highlighted potential challenges that could affect its financial performance, such as changes in interest rates, credit quality, and regulatory developments. Additionally, American Express discussed its strategies for customer acquisition and retention, particularly among younger demographics. The company aims to enhance its product offerings and expand its global merchant coverage, while also managing operational costs and investing in technology to drive sustainable growth.

Oct 17, 2025 07:00:35

American Express Reports Delinquency and Write-off Statistics

American Express Company has released delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card Member loans for the months ending September 30, August 31, and July 31, 2025. The data includes loans held for investment and does not reflect those classified as held for sale. The statistics are supplementary to the information provided in the monthly Form 10-D report of the American Express Credit Account Master Trust, which securitizes some of these loans.

The reported credit performance of the Lending Trust may vary from the overall U.S. Consumer and U.S. Small Business loan portfolios due to differences in loan characteristics and calculation methods. Variability in monthly statistics can also arise from external factors such as the number of days in a month, holiday timings, and seasonality. The statistics aim to provide a clearer picture of the credit performance of American Express’s lending operations.

Oct 15, 2025 12:23:17

American Express Vice Chairman Douglas Buckminster to Retire in 2026

Douglas E. Buckminster, Vice Chairman of American Express Company, has announced his retirement effective March 6, 2026, after nearly 40 years with the company. He has held numerous leadership roles and has been instrumental in driving the company’s strategic direction and global growth, particularly in enhancing its product offerings and expanding its customer base among younger consumers.

Buckminster's contributions include the development of key initiatives such as the product refresh strategy and the evolution of the company's risk management organization. His leadership has significantly influenced American Express’s reputation as a leading global brand. He will continue to serve as Vice Chairman until his retirement, during which time he will assist in transitioning his responsibilities.

Sep 29, 2025 16:34:41

American Express Reports Delinquency and Write-off Statistics

American Express Company provided delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card Member loans for the months ending in August, July, and June 2025. These statistics are additional to the data reported by the American Express Credit Account Master Trust and do not include Card Member loans classified as held for sale. The performance metrics may vary month-to-month due to differences in loan characteristics and calculation methods between the Lending Trust and the overall loan portfolios.

The report highlights that the credit performance of the Lending Trust may differ from the total U.S. Consumer and U.S. Small Business Card Member loan portfolios. Factors such as loan mix, vintage, aging, and timing of information can influence these statistics. The report was signed on September 15, 2025, and aims to provide clarity on the company's credit performance amidst various influencing factors.

Sep 15, 2025 12:00:37

American Express Reports Delinquency and Write-off Statistics

American Express has provided delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card Member loans for the months ended July 31, June 30, and May 31, 2025. These statistics are in addition to the data reported by the American Express Credit Account Master Trust in its monthly Form 10-D report. The loans that have been securitized through the Lending Trust differ from the total U.S. Consumer and U.S. Small Business loan portfolios, which include both securitized and non-securitized loans.

The reported credit performance of the Lending Trust may vary from month to month due to differences in loan characteristics, calculation methods, and other factors such as seasonality and timing of information received from third parties. Investors should be aware that the statistics for the U.S. Consumer and U.S. Small Business loan portfolios, as well as those for the Lending Trust, are subject to variability based on these influencing factors.

Aug 15, 2025 12:01:05

American Express Issues $4 Billion in Fixed and Floating Rate Notes

American Express Company has issued a total of $4 billion in Notes, which include $1.5 billion of 4.351% Fixed-to-Floating Rate Notes maturing on July 20, 2029, $1.75 billion of 4.918% Fixed-to-Floating Rate Notes due July 20, 2033, and $750 million in Floating Rate Notes maturing on July 20, 2029. This issuance is part of a Prospectus Supplement dated July 21, 2025, under a Registration Statement on Form S-3.

The Notes are governed by a senior indenture established on August 1, 2007, with The Bank of New York Mellon serving as the trustee. This issuance follows two supplemental indentures that were executed on February 12, 2021, and May 1, 2023, respectively. The financial details of the Notes may have implications for the company's capital structure and overall financial strategy.

Jul 25, 2025 14:00:53

American Express Elects Two New Directors to Board

American Express Company has elected Randal K. Quarles and Noel Wallace as directors, effective July 23, 2025, increasing the Board to 14 members. Quarles has extensive experience in financial services and regulation, having previously served as Vice Chairman for Supervision at the Federal Reserve. Wallace, with a long history at Colgate-Palmolive, brings expertise in global operations and consumer branding. Quarles will join the Nominating, Governance and Public Responsibility Committee and the Risk Committee, while Wallace will serve on the Audit and Compliance Committee and the Compensation and Benefits Committee.

Both directors have prior business relationships with companies that may engage in ordinary transactions with American Express, including merchant relationships and joint marketing initiatives. Their participation in the compensation program for non-employee directors aligns with the company's governance practices. The appointments are expected to enhance the Board's perspectives on financial regulation and business operations, potentially influencing the company's strategic direction.

Jul 23, 2025 16:31:01

American Express Reports Second Quarter Financial Results for 2025

American Express Company announced its financial results for the second quarter of 2025, providing insights into its performance and operational conditions. The company has released a press statement and additional financial information detailing its earnings, revenue growth outlook, and various factors that may influence its financial health, such as credit performance, operating expenses, and market conditions. The company highlighted the importance of maintaining its competitive edge in the payments industry and the challenges posed by macroeconomic factors, including inflation and changes in consumer spending habits.

The report also addressed potential risks that could impact future performance, including competition, regulatory changes, and the company's ability to manage costs effectively. It emphasized the significance of customer acquisition, retention strategies, and the effectiveness of marketing efforts. Additionally, the company discussed its plans for capital return to shareholders, contingent on its financial condition and regulatory capital requirements. Overall, the financial results reflect a comprehensive view of American Express's operational landscape and the factors that could influence its stock performance moving forward.

Jul 18, 2025 07:02:50

American Express Reports Card Member Loan Delinquency Statistics

American Express Company has provided delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card Member loans for the months ending June 30, May 31, and April 30, 2025. As of June 1, 2025, the company reclassified $1.6 billion of loans from its Amazon small business cobrand portfolio to loans held for sale, which are not included in the delinquency statistics for June 2025. The statistics are additional to those reported by the American Express Credit Account Master Trust in its monthly filings.

The reported performance of the Lending Trust may differ from the overall U.S. Consumer and U.S. Small Business Card Member loan portfolios due to various factors, including the characteristics of the loans, timing of reporting, and seasonal influences. Variability in the statistics can arise from the number of days in a month, holidays, and the timing of information received from third parties. The company emphasizes that the credit performance data is subject to change based on these factors.

Jul 15, 2025 08:30:38