American Express reported total revenues net of interest expense of USD 18.98 billion for the fourth quarter (Q4) 2025, representing a 10 percent increase year-over-year. For the full year (FY) 2025, total revenues net of interest expense reached USD 72.2 billion, also up 10 percent. Net income for Q4 2025 was USD 2.5 billion, up 13 percent. Full-year net income was USD 10.8 billion, a 7 percent increase. Diluted earnings per share for Q4 2025 stood at USD 3.53, up 16 percent, while full-year diluted earnings per share reached USD 15.38, increasing 10 percent. The company reported growth in key revenue streams in Q4 2025, with discount revenue rising 8 percent, net card fees up 17 percent, and service fees and other revenue increasing 13 percent. Interest income grew by 8 percent during the quarter. American Express provided guidance for FY 2026, expecting revenue growth of 9 to 10 percent and diluted earnings per share in the range of USD 17.30 to USD 17.90. The company also announced plans to increase its quarterly dividend per common share by 16 percent to USD 0.95.

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