American Express(US:AXP) ZACKS·2026-01-30 16:01Core Insights - American Express reported $18.98 billion in revenue for Q4 2025, a 10.5% year-over-year increase, with an EPS of $3.53 compared to $3.04 a year ago [1] - The revenue exceeded the Zacks Consensus Estimate of $18.82 billion by 0.84%, while the EPS fell short of the consensus estimate of $3.54 by 0.28% [1] Financial Performance Metrics - Total Card Member loans reached $151.83 billion, surpassing the average estimate of $151.12 billion [4] - Risk-Based Capital Ratios - Basel III - Common Equity Tier 1/Risk Weighted Assets stood at 10.5%, slightly above the average estimate of 10.4% [4] - Commercial Services Card Member loans totaled $30.83 billion, exceeding the average estimate of $30.60 billion [4] - International Card Services loans amounted to $20.83 billion, higher than the average estimate of $19.79 billion [4] - Network volumes were reported at $506.20 billion, above the average estimate of $502.57 billion [4] - Book value per common share was $46.45, compared to the average estimate of $46.17 [4] - U.S. Consumer Services Card Member loans totaled $100.17 billion, slightly below the average estimate of $100.73 billion [4] - Total non-interest revenues reached $14.46 billion, exceeding the average estimate of $14.33 billion [4] - Net Interest Income was reported at $4.52 billion, slightly above the average estimate of $4.51 billion [4] - Non-interest revenues from discount revenue were $9.88 billion, above the average estimate of $9.83 billion [4] - Non-interest revenues from net card fees matched the average estimate at $2.63 billion [4] - Non-interest revenues from service fees and other revenue were $1.95 billion, exceeding the average estimate of $1.89 billion [4] Stock Performance - American Express shares have returned -3.1% over the past month, while the Zacks S&P 500 composite increased by 0.9% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]