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American Express Company (AXP) investor relations material
American Express Company KBW Fintech Payments Conference 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.KBW Fintech Payments Conference 2025 summary12 Nov, 2025
Financial performance and strategic execution
Revenue is projected to be 9%-10% higher year-over-year, with strong EPS growth and raised guidance for 2023, driven by momentum and the successful Platinum card refresh.
Q3 saw billing growth accelerate by 200 basis points, with similar trends continuing into October across all segments and geographies.
EPS guidance for 2023 is set at $15.20–$15.50, factoring in increased costs from new Platinum benefits, with full impact expected in Q4.
The business model has evolved to emphasize recurring revenue, leveraging technology and digital innovation for efficiency and growth.
Post-Costco, the loan portfolio is more premium-focused, with lower credit risk and improved net interest income margins.
Product innovation and customer engagement
The Platinum card refresh has driven strong new card acquisition, upgrades, and engagement, with innovative partnerships and enhanced in-app experiences.
Upgrades from Gold to Platinum outpace downgrades by 2.5 to 1 during refresh periods, boosting loyalty and spend.
Technology improvements, such as optimized app placement, increased high-yield savings sign-ups by 45%.
The Planet feature offers flexible installment payments, catering to premium customers' revolving needs.
Small business cards have also been refreshed, enriching rewards and value for founders and entrepreneurs.
Demographic and segment strategies
Younger card members are more engaged, transact 25% more, and have 40% lower delinquency rates than older cohorts.
The company intentionally targets younger demographics as a long-term growth accelerator, adapting benefits to evolving needs.
Buy Now Pay Later users have limited overlap with the premium customer base; the focus remains on tailored solutions for core segments.
Small business growth is challenged in the middle market due to transaction migration to ACH/checks and fintech competition in expense management.
Acquisition of Center aims to enhance expense management offerings for SMEs, with rollout and impact expected over time.
Platinum refresh: long-term margin impact?
Small business: Center acquisition impact timeline?
Agentic commerce: Amex's unique advantage?
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Next American Express Company earnings date
Goldman Sachs U.S. Financial Services Conference10 Dec, 2025
Next American Express Company earnings date
Goldman Sachs U.S. Financial Services Conference10 Dec, 2025
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Frequently asked questions
More than credit cards
American Express, also known as Amex, is a financial services company that provides a range of payment, travel, and expense management solutions to individuals and businesses. The company's products and services include credit cards, charge cards, traveler's checks, personal savings accounts, and small business solutions.
Some of American Express’ competitors include Discover, Visa, and Mastercard.
Further reading: The Payments Value Chain: A Complex Ecosystem
The main business segments
American Express operates through three main business segments:
Global Consumer Services Group. Provides a range of services and benefits to consumers through its card and payment products.
Global Commercial Services. Provides payment and financing solutions to businesses of all sizes
Global Merchant and Network Services. Provides payment processing, merchant acquisition, and other services to merchants around the world
Interesting facts about American Express
American Express was founded in 1850 and is headquartered in New York City. The company has a global presence, with operations in over 200 countries and territories.
An interesting fact about American Express is that the company was one of the earliest pioneers of the credit card industry, introducing the first charge card in 1958.
Additionally, American Express has a long history of sponsoring major events and experiences, including the U.S. Open tennis tournament, New York Fashion Week, and various music festivals.
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