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American Express Company
American Express Company (AXP) investor relations material
American Express Company UBS Financial Services Conference 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.UBS Financial Services Conference 2026 summary10 Feb, 2026
Consumer trends and spend performance
Global spend grew consistently at 7–8% with an uptick in the second half of 2025, driven by strong travel and entertainment spending, especially in premium segments like front-of-cabin travel and luxury lodging.
Holiday shopping season spend rose 9%, with Platinum Card member spend up 12% during the same period.
Customer credit quality remains robust, with low write-off and delinquency rates, supporting financial performance.
Product strategy and card acquisition
Focus shifted from maximizing new card acquisitions to prioritizing high-fee, high-engagement card members, especially Platinum, which spends about 10 times more than entry-level cards.
Q4 saw a sequential decline in new cards acquired, with new card acquisitions at 1.3 million in Q4'25, but a significant increase in average fee per account, peaking at $282 in Q4'25 due to strong demand for premium products.
Platinum Card refresh outperformed previous Gold and Delta refreshes, with high acquisition, efficiency, and retention rates (99% for consumer, 98% for small business).
New accounts acquired metric excludes supplemental cards, focusing on primary cardholder growth.
Financial outcomes and premiumization
Card fee revenue has grown at a 17% CAGR since 2018, with guidance for high-teens growth by end of 2025, driven by premium product focus.
Credit metrics remain best-in-class, with delinquency rates at 1.2–1.3% over the past two years.
Premiumization is raising the VCE (variable card member engagement) ratio, especially as premium and co-branded cards have higher VCE ratios.
Q4'25 acquisition fee drivers
Strategy for consistent 1.5M new card acquisitions
Profitability impact of 10x Platinum spend
VCE ratio: long-term trend beyond refreshes?
International growth drivers: how long sustainable?
Center acquisition: impact on commercial card growth
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Next American Express Company earnings date
Q1 202624 Apr, 2026
American Express Company
Next American Express Company earnings date
Q1 202624 Apr, 2026
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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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