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Core Viewpoint - American Express (AXP.US) reported better-than-expected Q3 earnings, leading to a stock increase of over 4% to $337.67 [1] Financial Performance - Q3 revenue reached $18.43 billion, representing a year-over-year growth of 10.8% [1] - Non-GAAP earnings per share (EPS) were $4.14, exceeding market expectations [1] Billing Business - The company's billing volume, which includes transactions from credit cards and other products, amounted to $421 billion in Q3 [1] - Analysts had previously estimated the billing volume to be $415.2 billion [1] Guidance Update - The company raised its full-year revenue guidance, now expecting a growth range of 9% to 10%, compared to the previous estimate of 8% to 10% [1] - EPS guidance was updated to a range of $15.20 to $15.50, while market expectations were at $15.34 [1]

智通财经APP获悉，周五，美国运通(AXP.US)涨超4%，报337.67美元。消息面上，该公司三季度业绩超 出预期。财报显示，美国运通Q3营收184.3亿美元，同比增长10.8%;非公认会计准则下每股收益为4.14 美元，高于市场预期。公司报告第三季度账单业务额(即美国运通发行的信用卡和其他产品的交易额)为 4210亿美元。分析师此前预计，这家总部位于纽约的公司账单业务总额将达到4152亿美元。 该公司还提高了全年营收指引区间的下限，目前预计营收将增长9%至10%，而市场普遍预期为8.95%; 每股收益预计在15.20至15.50美元之间，市场普遍预期为15.34美元。此前公司预测营收增长8%至10%， 每股收益为15至15.50美元。 ...

Core Viewpoint - American Express Company (NYSE:AXP) is positioned positively in the financial services industry, with strong financial performance and optimistic analyst sentiment regarding its stock potential [2][6]. Company Overview - American Express, founded in 1850, operates through three main segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services, serving a diverse clientele [1]. Price Target and Analyst Sentiment - The consensus price target for AXP has fluctuated, currently at $339.6, down from $349.71 but up from last year's $328.67, indicating general optimism among analysts [2][6]. - Barclays analyst Mark DeVries has set a price target of $145, reflecting expectations for the company's financial performance [3][5]. Upcoming Earnings Expectations - Analysts anticipate revenue growth of 8.5% year-over-year, reaching $18 billion, with earnings per share expected to rise by 6.5% to $3.28 in the upcoming earnings report [3][6]. - Despite some concerns about the optimal combination of factors for an earnings beat, the company's robust rewards program and strong consumer sentiment provide a competitive edge [4][6]. Investment Considerations - American Express is highlighted as a stock with potential to exceed quarterly earnings estimates, making it a stock worth considering for investors [5][6].

Top Gainer stocks 1 hour after the US market opened 🔥📊 INTC, FUTU, AXP, TSLA, and BABA are climbing the charts.Highlights:$INTC rises with rumors that they locked in a major AI customer for their 18a/ap.$AXP just topped Q3 estimates as Platinum card demand surged. https://t.co/vxoOFNRn4o ...

Core Insights - American Express reported revenue of $18.43 billion for the quarter ended September 2025, reflecting a year-over-year increase of 10.8% [1] - The earnings per share (EPS) for the quarter was $4.14, up from $3.49 in the same quarter last year, exceeding the consensus estimate of $3.96 by 4.55% [1] Financial Performance - The reported revenue surpassed the Zacks Consensus Estimate of $17.99 billion, resulting in a surprise of +2.42% [1] - Total Card Member loans amounted to $144.81 billion, slightly below the average estimate of $145.06 billion [4] - Risk-Based Capital Ratios (Basel III) for Common Equity Tier 1/Risk Weighted Assets were reported at 10.5%, compared to the estimated 10.8% [4] - Total non-interest revenues reached $13.94 billion, exceeding the average estimate of $13.71 billion [4] Loan Metrics - Commercial Services - Total Card Member loans were reported at $30.69 billion, below the average estimate of $30.84 billion [4] - International Card Services - Average loans for consumer and small business were $19.65 billion, above the estimated $19.43 billion [4] - U.S. Consumer Services - Total loans were reported at $94.14 billion, slightly below the average estimate of $94.23 billion [4] Stock Performance - American Express shares have returned -5.4% over the past month, while the Zacks S&P 500 composite increased by +0.7% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]

American Express - American Express reported better-than-expected earnings, with revenue reaching $18.4 billion, an 11% increase year-over-year, and EPS at $4.14, surpassing expectations [2][5] - The growth was driven by higher card member spending and increased card fees, particularly for the premium Platinum card, which has an annual fee of $895 [3][4] - The CEO noted strong demand for the Platinum card, stating it exceeded expectations, indicating robust performance among affluent consumers [4][7] Regional Banks - Zions Bancorporation experienced a rebound after a significant drop due to concerns over alleged loan fraud, with the stock gaining over 2% following an upgrade from analysts [8][10] - The market reaction to Zions' write-off of $50 million was deemed excessive, as it wiped off approximately $1 billion in market value, but analysts see this as a long-term investment opportunity [10][12] - Concerns about credit quality in the regional banking sector persist, with investors cautious following past issues in 2023 [12][13] Alphabet (Google) - Alphabet's stock has seen over 30% gains this year, with Guggenheim raising its price target from $210 to $280, maintaining a buy rating [15][16] - The digital advertising market is expected to remain steady, with Alphabet and Meta anticipated to capture more ad dollars, reflecting growing confidence in advertiser demand [17][18] - The removal of antitrust concerns has positively impacted Alphabet's outlook, contributing to a more bullish sentiment among analysts [18]

Market Overview - U.S. stocks showed mixed performance with the Dow Jones index gaining over 100 points, up 0.25% to 46,067.55, while NASDAQ fell 0.36% to 22,480.34 and S&P 500 dropped 0.15% to 6,619.14 [1] - Energy shares increased by 1% on Friday, while information technology stocks decreased by 0.5% on Thursday [1] American Express Performance - American Express Co reported better-than-expected Q3 2025 results with quarterly revenue growth of 11% year-over-year to $18.43 billion, surpassing the analyst consensus estimate of $18.05 billion [2] - Adjusted EPS for American Express was $4.14, exceeding projections of $4.00 [2] Revenue and EPS Guidance - American Express raised its full-year 2025 revenue outlook to $71.88 billion-$72.54 billion, indicating a 9%-10% year-over-year increase, compared to the previous guidance of $71.22 billion-$72.54 billion and analyst consensus of $71.60 billion [3] - The company also increased its EPS guidance to $15.20-$15.50 from a prior range of $15.00–$15.50, compared to the analyst consensus of $15.33 [3] Commodity Market - Oil prices increased by 0.1% to $57.46, while gold prices decreased by 0.3% to $4,290.10 [6] - Silver fell by 3.6% to $51.380 and copper dropped by 0.5% to $4.9720 [6] European Market Performance - European shares were mostly lower, with the eurozone's STOXX 600 declining by 0.9% [7] - Notable movements included Spain's IBEX 35 Index rising by 0.1%, while London's FTSE 100 fell by 0.8%, Germany's DAX 40 decreased by 1.6%, and France's CAC 40 slipped [7] Notable Stock Movements - Rani Therapeutics Holdings Inc shares surged by 189% to $1.36 following a collaboration agreement with Chugai Pharmaceutical [7] - Artiva Biotherapeutics Inc shares increased by 95% to $5.40 after receiving FDA Fast Track Designation [7] - VirnetX Holding Corp shares rose by 50% to $25.27 [7] - UTime Ltd shares dropped by 33% to $0.090 after announcing a $25 million registered direct offering [7] - INVO Fertility Inc shares fell by 35% to $0.92 after a significant rise the previous day [7] Asian Market Performance - Asian markets closed mostly lower, with Japan's Nikkei 225 down 1.44%, Hong Kong's Hang Seng index down 2.48%, and China's Shanghai Composite down 1.95% [9] - India's BSE Sensex was the exception, rising by 0.58% [9]

Financial Data and Key Metrics Changes - The company reported a strong quarter with revenues increasing by 11% year over year to a record $18.4 billion and earnings per share (EPS) rising by 19% to $4.14 [4][12] - Card member spending accelerated to 9% or 8% on an FX-adjusted basis, with notable growth in retail spending and a rebound in travel [4][12] - Full-year revenue growth guidance has been raised to 9% to 10%, with EPS expected between $15.20 and $15.50 [4][21] Business Line Data and Key Metrics Changes - Annual card fees are approaching $10 billion, growing at double digits for 29 consecutive quarters [12] - Total spend was up 8.5% FX-adjusted, driven by strong retail spending up 12% and a rebound in travel and entertainment (T&E) [12][13] - Premium T&E bookings showed good momentum, with spending on front-of-cabin airline tickets up 14% [13] Market Data and Key Metrics Changes - International spend increased by 13% FX-adjusted, with three of the top five countries growing by 18% or more [14] - Millennials and Gen Z now account for 36% of total spend, matching the share of Gen X [14] - The company acquired 3.2 million new cards in the quarter, with over 70% of new accounts being fee-paying products [15] Company Strategy and Development Direction - The company continues to invest in refreshing its product offerings, with over 200 refreshes across its portfolio since 2019 [5][6] - The recent launch of the refreshed U.S. Consumer Platinum Card and Business Platinum Card aims to enhance customer engagement and drive growth [4][10] - The strategy focuses on understanding customer needs and enhancing value propositions with compelling benefits and services [6][8] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in sustaining growth through the powerful membership platform and expanding digital capabilities [11][21] - The company noted a stable macroeconomic environment and a positive outlook for the holiday season based on strong retail spending [26][27] - Delinquency rates remain low, and credit performance is stable, indicating a healthy consumer base [57][59] Other Important Information - The company returned $2.9 billion of capital to shareholders, including $0.6 billion in dividends and $2.3 billion in share repurchases [21] - The company expects a step-up in costs related to the Platinum Card refresh, but remains committed to achieving mid-teens EPS growth [32][34] Q&A Session Summary Question: Insights on the path forward and potential improvements in customer spending - Management noted a recent acceleration in billings and expressed optimism about maintaining this momentum, particularly in retail and travel spending [25][26] Question: Financial impact of the Platinum Card refresh - The refresh is expected to have a delayed impact on card fees, with costs rising in the short term but aiming for mid-teens EPS growth in the long term [31][34] Question: Strength of demand for consumer versus business products - The company reported strong demand for both consumer and business products, with notable growth in premium offerings [36] Question: Insights on small and medium enterprises (SME) growth - Management indicated good acquisition trends in the SME segment and expressed confidence in stabilizing growth moving forward [38][40] Question: Performance of the Platinum Card refresh and competitive takeaways - It is too early to determine the competitive impact of the refresh, but initial results show strong upgrades and new card acquisitions [42][43] Question: Marketing spend strategy - The company plans to continue investing in marketing while ensuring efficiency and effectiveness in spending [61][63] Question: Consumer health and impact of government shutdown - Management reported stable consumer health metrics and no significant impact from the government shutdown at this time [57][58]

Financial Data and Key Metrics Changes - Revenues increased by 11% year over year to a record $18.4 billion, with earnings per share (EPS) rising by 19% to $4.14 [7][19] - Full year revenue growth guidance has been raised to 9% to 10%, with EPS expected between $15.2 and $15.5 [7][34] Business Line Data and Key Metrics Changes - Annual card fees are approaching $10 billion, growing at double digits for 29 consecutive quarters [19] - Total spend was up 8.5% FX adjusted, driven by strong retail spending up 12% and a rebound in travel and entertainment (T&E) [21][22] - Premium T&E bookings saw spending on front-of-cabin airline tickets increase by 14% [21] Market Data and Key Metrics Changes - International spend was up 13% FX adjusted, with three of the top five countries growing by 18% or more [22][23] - Millennials and Gen Z now account for 36% of total spend, matching the share of Gen X [21] Company Strategy and Development Direction - The company is focused on enhancing its premium product offerings, exemplified by the recent refresh of the U.S. Consumer and Business Platinum Cards [8][9] - The strategy includes continuous product refreshes to drive customer engagement and growth, with over 200 refreshes since 2019 [10][12] - The company aims to expand its digital capabilities and merchant coverage outside the U.S. [17][18] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in sustaining growth, citing strong initial demand and engagement following the Platinum refresh [17][34] - The operating environment is viewed as stable, with expectations for continued spending growth into the holiday season [42][43] - Management noted that the consumer base remains resilient, with low delinquency rates and strong credit performance [86][90] Other Important Information - The company returned $2.9 billion to shareholders, including $600 million in dividends and $2.3 billion in share repurchases [33] - The company has seen a significant increase in new Platinum account acquisitions, running at twice the level before the refresh [16] Q&A Session Summary Question: Thoughts on the path forward and potential improvements - Management noted a recent acceleration in billings but remains cautious about predicting future trends, emphasizing a stable environment [38][39] Question: Financial impact of the Platinum refresh - Management indicated that while there is a delay in card fee increases, they expect to maintain mid-teens EPS growth despite the refresh costs [50][54] Question: Contribution of the Platinum refresh to billed business growth - Management acknowledged that while the refresh has had a positive impact, macroeconomic factors also play a significant role in spending trends [56] Question: Insights on small and medium enterprises (SME) - Management reported good acquisition trends and organic growth in the SME segment, with expectations for stabilization moving forward [60][62] Question: International strength and coverage - Management highlighted strong performance in international markets, particularly in the top five markets, and ongoing efforts to improve coverage [66] Question: Marketing spend strategy - Management emphasized a disciplined approach to marketing spend, focusing on efficiency while supporting product launches like the Platinum refresh [94] Question: Retention offers and customer engagement - Management indicated that retention offers play a minimal role, as the product's value drives customer loyalty and engagement [80][82]