Earnings Releases·Oct 23, 2026, 7:00 AM ET

American Express — Q3 2026 Earnings Summary

Total revenues net of interest expense rose 9% year-over-year to $20.1 billion, while net income surged 28% to $3.7 billion and diluted EPS increased 31% to $5.42.
Full-year 2026 EPS guidance was raised to $18.30–$18.60 (GAAP) and $17.60–$17.90 (Adjusted), with management projecting another year of 10% revenue growth.
Net write-off rates improved to 1.8% and credit loss provisions declined to $1.0 billion, reflecting strong credit quality and a reserve release versus a prior-year build.
Strategic initiatives included the launch of next-generation Amex Corporate software, a new Business Savings account, and an exclusive partnership with Airbnb, alongside the sale of GBTG equity which generated a $982 million pre-tax gain.