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AMERICAN EXPRESS CO

LISTEDNYSE

SYMBOLAXP

SIC6199

STATE OF INC.NY

FISCAL YEAR ENDSDecember 31

CIK4962

FINANCE SERVICES · LARGE ACCELERATED FILER · 10 FISCAL YEARS OF SEC XBRL DATA, 2016–2025

Fiscal years labelled by the calendar year in which they end. Bars in $ billions; per-share figures as reported.

CAPITALIZATION 12/31/25

($ millions)	Amount	%
Total debt	57,758	63.3
Stockholders' equity	33,474	36.7
Total capitalization	91,232	100.0

675,309,833 shares outstanding at 14 July 2026 (cover page of the 10-Q filed 24 July 2026).

LONG-TERM DEBT 12/31/25

($ millions)	Amount
Long-term debt, incl. current maturities	56,387
Short-term borrowings / commercial paper	1,371

CAPITAL STOCK 12/31/25

Common shares authorized	3,600,000,000
Common shares issued	686,000,000
Treasury shares	2,100,000
Par or stated value per share ($)	0.2
Preferred stock ($ millions)	0
Outstanding at 7/14/26	675,309,833

DIVIDENDS DECLARED/PAID

Fiscal year	Per share $	Payout %
2025	3.28	21.3
2024	2.80	20.0
2023	2.40	21.4
2022	2.08	21.1
2021	1.72	17.2

HISTORY AND BUSINESS

HISTORY: Incorporated in New York.

BUSINESS: Classified by the SEC under Standard Industrial Classification 6199, Finance Services. Large accelerated filer. Principal executive office: 200 Vesey Street, 50Th Floor, New York, NY 10285. Fiscal year ends December 31. Deposits at 12/31/25: $152,488 million. For a description of the business, see Item 1 of the latest 10-K.

CONSOLIDATED INCOME ACCOUNT, YEARS ENDED

($ millions)	12/31/25	12/31/24	12/31/23
Total interest income	25,598	23,795	19,983
Total interest expense	8,234	8,252	6,849
Net interest income	17,364	15,543	13,134
Provision for credit losses	5,256	5,185	4,923
Noninterest income	54,865	50,406	47,381
Noninterest expense	53,178	47,869	45,079
Total net revenue	72,229	65,949	60,515
Income before income taxes	13,795	12,895	10,513
Income taxes	2,962	2,766	2,139
Net income	10,833	10,129	8,374
Earned per share, diluted ($)	15.38	14.01	11.21
Dividends per share ($)	3.28	2.80	2.40

CONSOLIDATED STATEMENT OF CONDITION

($ millions)	12/31/25	12/31/24
Cash and due from banks	3,559	3,413
Interest-bearing deposits with banks	43,491	37,006
Total assets	300,052	271,461
Deposits	152,488	139,413
Short-term borrowings	1,371	1,374
Long-term debt	56,387	49,715
Total liabilities	266,578	241,197
Stockholders' equity	33,474	30,264

TEN-YEAR STATISTICS: FISCAL YEARS ($ millions except per share)

Fiscal year ended	Revenues	Oper. income	Net income	Net margin %	EPS diluted $	Div. per share $	Oper. cash flow	Total assets	Total liabilities	Total debt	Deposits	Stockholders' equity	ROE %	Debt / equity
12/31/25	72,229	–	10,833	15.0	15.38	3.28	18,428	300,052	266,578	57,758	152,488	33,474	32.4	1.73
12/31/24	65,949	–	10,129	15.4	14.01	2.80	14,050	271,461	241,197	51,089	139,413	30,264	33.5	1.69
12/31/23	60,515	–	8,374	13.8	11.21	2.40	18,559	261,108	233,051	49,159	129,144	28,057	29.8	1.75
12/31/22	52,862	–	7,514	14.2	9.85	2.08	21,079	228,354	203,643	43,921	110,239	24,711	30.4	1.78
12/31/21	42,380	–	8,060	19.0	10.02	1.72	14,645	189,000	166,371	40,918	84,382	22,177	36.3	1.85
12/31/20	36,087	–	3,135	8.7	3.77	1.72	5,591	191,000	168,383	44,830	86,875	22,984	13.6	1.95
12/31/19	43,556	–	6,759	15.5	7.99	1.64	13,632	198,000	175,250	64,277	73,287	23,071	29.3	2.79
12/31/18	40,338	–	6,921	17.2	7.91	1.48	8,930	189,000	166,312	61,523	69,960	22,290	31.0	2.76
12/31/17	36,878	–	2,748	7.5	2.99	1.34	13,540	181,000	162,935	59,082	64,452	18,261	15.0	3.24
12/31/16	35,438	–	5,375	15.2	5.61	1.22	8,291	159,000	138,392	52,571	53,042	20,523	26.2	2.56

Net margin = net income ÷ revenues; ROE = net income ÷ year-end stockholders’ equity; total debt = long-term debt including current maturities plus short-term borrowings/commercial paper, as tagged in XBRL; capital expenditure and free cash flow are not shown for banks and insurers, where they are not meaningful; d = derived as total assets − total equity where the filing does not tag total liabilities; – = not reported in XBRL for that year.

REGISTRANT:

AMERICAN EXPRESS CO
CIK 4962 · EIN 13-4922250

PRINCIPAL OFFICE:

200 Vesey Street, 50Th Floor, New York, NY 10285
Tel.: 2126402000

INCORPORATED:

New York

INDUSTRY (SEC SIC CODE):

6199 · Finance Services

FILER STATUS:

Large accelerated filer

LATEST ANNUAL REPORT:

10-K for period ended 12/31/25, filed 6 February 2026

RECENT FILINGS (ANNUAL REPORT REFERENCES BELOW):

10/8/26	8-K	period 10/8/26
9/15/26	8-K	period 9/15/26
8/17/26	8-K	period 8/17/26
8/12/26	8-K	period 8/12/26
8/5/26	8-K	period 8/5/26
7/24/26	10-Q	period 6/30/26
7/24/26	8-K	period 7/24/26
7/15/26	8-K	period 7/15/26

Sources: SEC XBRL company facts (all financial figures) · SEC submissions (registrant, address, SIC, filings) · annual reports: 10-K FY2025 (filed 2/6/26) · 10-K FY2024 (filed 2/7/25) · 10-K FY2023 (filed 2/9/24) · 10-K FY2022 (filed 2/10/23) · 10-K FY2021 (filed 2/11/22) · 10-K FY2020 (filed 2/12/21) · 10-K FY2019 (filed 2/13/20) · 10-K FY2018 (filed 2/13/19). Values are the latest figures filed for each fiscal year (restated where a later 10-K restated them). Ratios and free cash flow are Pathos calculations from those figures. Retrieved 31 October 2026.