American Express Company Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	26,711	25,598	23,795	19,983	12,658	9,033
Total Interest Expense	7,907	8,234	8,252	6,849	2,763	1,283
Net Interest Income	18,804	17,364	15,543	13,134	9,895	7,750
Commissions and Fees	58,782	54,865	50,406	47,381	41,330	33,074
Other Revenue	-	-	-	-	1,637	1,556
Revenue Before Loan Losses	77,586	72,229	65,949	60,515	52,862	42,380
Provision for Loan Losses	4,734	5,256	5,185	4,923	2,182	-1,419
Revenue	72,852	66,973	60,764	55,592	50,680	43,799
Revenue Growth	11.58%	10.22%	9.30%	9.69%	15.71%	39.68%
Salaries & Employee Benefits	9,805	8,920	8,075	7,888	7,110	6,250
Cost of Services Provided	41,277	37,354	33,496	30,369	27,550	22,053
Other Operating Expenses	7,669	7,044	6,856	6,601	5,998	5,550
Total Operating Expenses	58,751	53,318	48,427	44,858	40,658	33,853
Operating Income	14,101	13,655	12,337	10,734	10,022	9,946
Earnings From Equity Investments	-	-	-	-	-9	-13
Currency Exchange Gain (Loss)	123	121	102	82	8	-21
EBT Excluding Unusual Items	14,224	13,776	12,439	10,816	10,021	9,912
Restructuring Charges	-96	-96	-123	-179	-142	10
Gain (Loss) on Sale of Investments	1,342	115	48	-124	-294	767
Pretax Income	15,470	13,795	12,895	10,513	9,585	10,689
Income Tax Expense	3,214	2,962	2,766	2,139	2,071	2,629
Net Income	12,256	10,833	10,129	8,374	7,514	8,060
Preferred Dividends & Other Adjustments	164	132	134	122	114	143
Net Income to Common	12,092	10,701	9,995	8,252	7,400	7,917
Net Income Growth	16.15%	7.06%	21.12%	11.51%	-6.53%	160.77%
Shares Outstanding (Basic)	681	695	712	735	751	789
Shares Outstanding (Diluted)	683	696	713	736	752	790
Shares Change	-2.43%	-2.38%	-3.13%	-2.13%	-4.81%	-1.98%
EPS (Basic)	17.76	15.40	14.04	11.23	9.85	10.03
EPS (Diluted)	17.73	15.38	14.01	11.21	9.85	10.02
EPS Growth	19.20%	9.78%	24.98%	13.81%	-1.70%	165.78%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Free Cash Flow	13,909	16,002	12,133	16,994	19,223	13,007
Free Cash Flow Per Share	20.38	22.99	17.02	23.09	25.56	16.46
Dividend Per Share	3.670	3.280	2.800	2.400	2.080	1.720
Dividend Growth	16.14%	17.14%	16.67%	15.38%	20.93%	0%
Operating Margin	19.36%	20.39%	20.30%	19.31%	19.78%	22.71%
Profit Margin	16.60%	15.98%	16.45%	14.84%	14.60%	18.08%
Free Cash Flow Margin	19.09%	23.89%	19.97%	30.57%	37.93%	29.70%
Effective Tax Rate	20.78%	21.47%	21.45%	20.35%	21.61%	24.59%