American Express Company 8-K Filings

American Express Company reported monthly credit performance statistics for its U.S. Consumer and U.S. Small Business Card balances held for investment as of and for the months ended May 31, June 30, and July 31, 2026. U.S. Consumer total card balances were $113.1 billion at July 31, 2026, with 1.1% of balances 30 days past due and a net write-off rate on principal of 1.7%. U.S. Small Business total card balances were $46.1 billion, with 1.3% 30 days past due and a net principal write-off rate of 2.6%.

Total U.S. Consumer and U.S. Small Business card balances held for investment were $159.2 billion at July 31, 2026. American Express also provided recent performance data for the American Express Credit Account Master Trust, which had an ending total principal balance of $24.9 billion for the period July 1–31, 2026, an annualized default rate net of recoveries of 1.1%, and $0.2 billion of balances 30+ days delinquent.

American Express Company reported issuing 1,600 shares of 6.450% Fixed Rate Reset Noncumulative Preferred Shares, Series E, $1.66 ⅔ par value per share, which were deposited against delivery of depositary receipts representing 1,600,000 Depositary Shares, each equal to a 1/1,000th interest in a Series E Preferred Share.

The company filed a Certificate of Amendment on August 11, 2026 to fix the designations, preferences, limitations and relative rights of the Series E Preferred Shares, which carry a liquidation preference of $1,000,000 per share. The sale of the Depositary Shares was closed on August 12, 2026 under an underwriting agreement dated August 5, 2026.

Under the Series E terms, if full dividends are not declared and paid (or set aside) on the Series E Preferred Shares, the company’s ability to pay dividends, make distributions, or redeem, purchase or make liquidation payments on its common shares and certain parity preferred shares, including Series D Preferred Shares, will be restricted. The company plans to send a redemption notice for depositary shares representing 1/1,000th interests in Series D Preferred Shares, which would result in full redemption on September 15, 2026 at an aggregate redemption price of $1,000,000 per Series D Preferred Share (equivalent to $1,000 per Series D Depositary Share), plus any declared and unpaid dividends.

American Express Company announced the launch of a proposed public offering of depositary shares, each representing a 1/1,000th interest in a new series of Fixed Rate Reset Noncumulative Preferred Shares, Series E, with $1.662/3 par value per share.

The company intends to use net proceeds for general corporate purposes, including potentially redeeming outstanding 3.550% Fixed Rate Reset Noncumulative Preferred Shares, Series D, with $1.662/3 par value per share. Whether the offering prices or closes, and whether any Series D shares are redeemed, is subject to market conditions and other factors, and there is no assurance these actions will occur.

American Express Company reported strong second-quarter 2026 results and raised its full-year 2026 revenue growth guidance to 10%. Q2 total revenues net of interest expense were $19.6 billion, up 10% year-over-year, driven by higher Card Member spending, increased net interest income and strong card fee growth. Net income was $3.1 billion, with diluted EPS of $4.53, up 11% from $4.08 a year earlier.

Provisions for credit losses fell to $1.1 billion from $1.4 billion, reflecting a reserve release, while the net write-off rate on consumer and small business principal balances held at 2.0%. Consolidated expenses rose 12% to $14.5 billion, mainly from higher rewards, benefits usage and operating costs, and the effective tax rate increased to 23.6% from 18.7%. Billed business reached $455.8 billion, network volumes were $516.8 billion, and return on average equity was a high 36.4%. The company also highlighted strategic initiatives, including the proposed acquisition of TheFork, new partnerships with Fanatics and Accor, expanded travel and Membership Rewards benefits, and the pilot of a new expense management platform.

American Express Company provides updated credit metrics for its U.S. Consumer and U.S. Small Business card portfolios for the months ended April 30, May 31 and June 30, 2026 and the three months ended June 30, 2026. Card balances classified as held for sale are excluded. U.S. Consumer total card balances held for investment were $113.8 billion at June 30, 2026, with 30‑days‑past‑due loans at 1.1% of balances and a principal‑only net write‑off rate of 1.4% for June and 1.8% for the three‑month period.

U.S. Small Business card balances totaled $45.9 billion at June 30, 2026, with 30‑days‑past‑due loans at 1.4% and a June net write‑off rate of 2.3%. Combined U.S. Consumer and U.S. Small Business card balances held for investment were $159.7 billion at June 30, 2026. The American Express Credit Account Master Trust reported an ending principal balance of $25.2 billion, an annualized default rate, net of recoveries, of 0.7%, and $0.2 billion of 30+‑days‑delinquent balances for the period June 1–30, 2026. A June 2026 sale of certain previously written‑off card balances to a third party reduced reported June net write‑off rates by approximately 0.3% for U.S. Consumer and 0.1% for U.S. Small Business, and the Trust’s June default rate reflects proceeds from that sale.

American Express Company reported the results of its company-run 2026 Dodd-Frank Act Stress Test and confirmed it will continue to operate with a Stress Capital Buffer of 2.5 percent, the minimum level, through September 30, 2027.

The company highlighted its capital return strategy, noting a previously announced 16 percent increase in its quarterly common dividend to $0.95 per share starting with the first-quarter 2026 declaration, and that it returned $8.7 billion to shareholders via buybacks and dividends over the 12 months ended March 31, 2026.

American Express Company issued €750,000,000 of 3.835% Fixed-to-Floating Rate Notes due June 16, 2034. The notes were issued on June 17, 2026 under an existing shelf registration on Form S-3, using a prospectus dated February 9, 2024 and a June 10, 2026 prospectus supplement.

The notes are senior debt securities issued under a senior indenture dated August 1, 2007 with The Bank of New York Mellon as trustee, as amended by supplemental indentures from 2021 and 2023. The filing also includes a legal opinion from Cleary Gottlieb Steen & Hamilton LLP and related counsel consents as exhibits.

American Express Company filed an 8-K under Regulation FD to share updated credit quality statistics for its U.S. Consumer and U.S. Small Business card portfolios for March, April, and May 2026.

As of May 31, 2026, U.S. Consumer total card balances were $113.8 billion, with 30-day-plus delinquencies at 1.1% of balances and a net write-off rate on principal of 2.0%. U.S. Small Business total balances were $46.7 billion, with 30-day-plus delinquencies at 1.4% and a 2.6% net write-off rate on principal. Combined U.S. Consumer and Small Business card balances held for investment totaled $160.5 billion.

The company also provided data for the American Express Credit Account Master Trust, which securitizes revolve-eligible balances. For the period from May 1 through May 31, 2026, the trust reported an ending total principal balance of $25.4 billion, an annualized default rate net of recoveries of 1.2%, and $0.2 billion of balances 30 or more days delinquent.

American Express Company provides an update on credit performance for its U.S. Consumer and U.S. Small Business Card portfolios and related securitized balances. The company now reports Card Member loans and receivables together as combined Card balances, covering both revolve-eligible and pay-in-full amounts.

As of April 30, 2026, U.S. Consumer total Card balances were $111.4 billion with 30 days past due at 1.2% of total and a net write-off rate on principal of 2.1%. U.S. Small Business Card balances were $45.8 billion, with 30 days past due at 1.5% and a net principal write-off rate of 2.4%. Combined U.S. Consumer and Small Business Card balances held for investment totaled $157.2 billion.

The filing also summarizes recent performance of the American Express Credit Account Master Trust, which securitizes certain revolve-eligible balances. For the period April 1–30, 2026, the trust reported an ending total principal balance of $25.0 billion, an annualized default rate net of recoveries of 1.3% and total balances 30+ days delinquent of $0.2 billion.

American Express Company held its Annual Meeting of Shareholders on May 5, 2026, where a quorum was present. All 13 director nominees, including Stephen J. Squeri and Michael J. Angelakis, received a majority of votes cast and were elected.

Shareholders strongly approved the ratification of PricewaterhouseCoopers LLP as independent auditor for 2026, with 575,150,553 votes for, or 94.96% of votes cast. An advisory resolution on executive compensation also passed with 514,533,900 votes for, representing 93.32% of votes cast.

Two shareholder proposals received minimal support and did not pass. A proposal requesting a report on coverage of transgender healthcare treatments for minors received 0.42% of votes cast in favor, and a proposal on political bias risk oversight received 0.86% of votes cast in favor.

American Express Company issued $1,750,000,000 aggregate principal amount of 4.444% Fixed-to-Floating Rate Notes due May 3, 2030. The notes were issued on May 4, 2026 under an existing shelf registration on Form S‑3.

The notes are governed by a senior indenture dated August 1, 2007 with The Bank of New York Mellon as trustee, as supplemented by first and second supplemental indentures from 2021 and 2023. Related legal opinions and consents from counsel are filed as exhibits.

American Express Company announced it will sell its approximately 30% equity interest in Global Business Travel Group, Inc. in connection with Long Lake and General Catalyst’s agreement to acquire GBTG.

Upon closing, American Express expects to receive about $1.5 billion in proceeds and recognize an estimated $975 million pre-tax gain. This gain was not included in its previously provided FY 2026 earnings guidance. The company plans to invest part of the gain to support its business and return part to shareholders, while existing brand licensing and commercial agreements with GBTG remain in place.

American Express Company reported strong Q1 2026 results. Total revenues net of interest expense were $18.9 billion, up 11% year-over-year, or 10% on an FX-adjusted basis, driven by higher Card Member spending, increased net interest income and strong card fee growth.

Net income was $2.97 billion, up 15%, and diluted EPS was $4.28, up 18% from $3.64. Billed business reached $428.0 billion, up 10%. Provisions for credit losses were $1.25 billion, up 9%, while the principal-only net write-off rate for consumer and small business card balances was 2.0%.

Total expenses rose 11% to $13.9 billion, largely from higher variable customer engagement costs and operating expenses. The effective tax rate declined to 21.4%. Return on average common equity was 36.6%, and the company reaffirmed its full-year 2026 revenue and EPS guidance.

American Express Company furnished updated credit quality statistics for its U.S. Consumer and U.S. Small Business Card Member loans for the months ended January, February and March 31, 2026, and for the three months ended March 31, 2026.

For U.S. Consumer Card Member loans, total loans were $97.5 billion at March 31, 2026, with 30‑day‑plus delinquencies at 1.4% of total loans and a preliminary net write‑off rate of 2.2% based on principal only. U.S. Small Business Card Member loans totaled $32.2 billion, with 30‑day‑plus delinquencies at 1.7% and a net write‑off rate of 2.9%.

The company also provided data for the American Express Credit Account Master Trust, which securitizes a portion of these loans. For March 2026, the trust reported an ending total principal balance of $25.1 billion, an annualized default rate net of recoveries of 1.2%, and total 30‑plus‑days‑delinquent balances of $0.2 billion. The company noted that trust performance can differ from the broader portfolios due to differences in loan mix, aging, calculation methods and normal monthly variability.

American Express Company furnished updated credit quality statistics for its U.S. Consumer and U.S. Small Business card loans for the months ended February 28, 2026, January 31, 2026 and December 31, 2025.

U.S. Consumer card loans totaled $95.1 billion at February 28, 2026, with 1.4% 30‑day-plus delinquencies and a net write‑off rate on principal of 2.0%. U.S. Small Business card loans totaled $31.3 billion, with 30‑day-plus delinquencies of 1.7% and a net write‑off rate of 2.8%.

Total U.S. Consumer and Small Business card loans held for investment were $126.4 billion at February 28, 2026. For the American Express Credit Account Master Trust, the ending principal balance was $24.4 billion for the period February 1–28, 2026, with an annualized default rate, net of recoveries, of 1.3% and $0.2 billion of loans 30‑plus days delinquent.

American Express Company announced that its board has approved a higher quarterly dividend on its common shares. The dividend was raised to $0.95 per share from $0.82, a 16 percent increase.

The new dividend will be payable on May 8, 2026, to shareholders of record on April 3, 2026. The company noted that this increase is consistent with the planned dividend change previously discussed in its fourth-quarter 2025 earnings release.

American Express Company has outlined plans to build a new headquarters of approximately 1.95 million square feet at 200 Greenwich Street, the 2 World Trade Center site in New York City. Construction is planned to start in the spring of 2026 and is expected to be completed in 2031.

The company states that the project is not expected to have a material impact on its financial results. It also highlights typical real estate development risks, including potential construction delays, cost overruns, required approvals, environmental and insurance issues, economic and supply chain conditions, severe weather or catastrophic events, and changes in certification standards.

American Express Company furnished updated credit-quality statistics for its U.S. Consumer and U.S. Small Business card loans as of January 31, 2026. U.S. consumer card loans totaled $97.2 billion, with 30‑day delinquencies at 1.4% and a net write‑off rate of 1.9%. U.S. small business card loans totaled $31.4 billion, with 30‑day delinquencies of 1.7% and a net write‑off rate of 2.8%. Combined U.S. consumer and small business loans held for investment were $128.6 billion. The American Express Credit Account Master Trust reported an ending principal balance of $25.2 billion, defaulted amounts of $0.04 billion, an annualized default rate of 1.1% and total 30+ days delinquent of $0.2 billion for the January 2026 period.

American Express Company issued multiple new debt securities on February 10, 2026. The company sold $1,350,000,000 of 4.009% Fixed-to-Floating Rate Notes due February 9, 2029, $1,000,000,000 of 4.456% Fixed-to-Floating Rate Notes due February 10, 2032, and $650,000,000 of Floating Rate Notes due February 9, 2029 under its senior indenture.

The company also issued $500,000,000 of 5.412% Fixed-to-Fixed Rate Subordinated Notes due February 8, 2041 under its subordinated indenture. These issuances were made off an existing shelf registration statement using a Prospectus Supplement dated February 3, 2026.

American Express Company furnished its financial results for the full year and fourth quarter of 2025, with an earnings release and additional data provided in attached exhibits. The company also included extensive forward-looking statements covering its 2026 earnings and revenue guidance and long-term growth goals.

Management outlines numerous risks that could affect future performance, including macroeconomic conditions, consumer spending, credit losses, regulation, competition, technology investments, operating expenses, taxes and capital return plans. These factors are presented as potential drivers of variance between current expectations and actual results.

American Express Company furnished updated credit quality statistics for its U.S. Consumer and U.S. Small Business card loans for October through December 2025. U.S. Consumer Card Member loans totaled $100.2 billion at December 31, 2025, with 30‑day‑plus delinquencies at 1.3% of loans and a net write‑off rate of 2.1%. U.S. Small Business Card Member loans totaled $30.8 billion with 30‑day‑plus delinquencies of 1.7% and a net write‑off rate of 2.7%. The American Express Credit Account Master Trust, which securitizes a portion of these loans, reported an ending principal balance of $26.4 billion, an annualized default rate net of recoveries of 1.2%, and $0.2 billion of loans 30‑plus days delinquent for the period from December 1 to December 31, 2025.

American Express Company furnished updated credit performance statistics for its U.S. Consumer and U.S. Small Business card member loans for September through November 2025. Total U.S. card loans held for investment reached $129.1 billion in November, compared with $126.4 billion in October and $124.8 billion in September.

For November 2025, U.S. consumer card loans were $97.7 billion with 30‑day delinquent loans at 1.4% of total and a net write‑off rate on principal of 2.1%. U.S. small business card loans were $31.4 billion, with 30‑day delinquencies at 1.6% and a net write‑off rate of 2.7%. The American Express Credit Account Master Trust, which securitizes a portion of these loans, reported an ending principal balance of $25.7 billion, an annualized default rate net of recoveries of 1.2%, and $0.2 billion of 30‑plus‑day delinquencies for November.

American Express Company furnished updated credit-quality statistics for its U.S. Consumer and U.S. Small Business Card Member loans and for the American Express Credit Account Master Trust for the three months ended October 31, 2025.

Total U.S. Consumer and Small Business Card Member loans held for investment were $126.4 billion as of October 31, 2025. For U.S. Consumer loans, 30-day-plus delinquencies were 1.4% of total loans and the net write-off rate (principal only) was 2.2%. For U.S. Small Business loans, 30-day-plus delinquencies were 1.6% and the net write-off rate was 2.6%.

The Lending Trust reported an ending principal balance of $25.2 billion for October 2025, an annualized default rate net of recoveries of 1.3%, and $0.2 billion of loans 30 or more days delinquent, illustrating the performance of securitized receivables alongside the broader portfolios.

American Express Company reported the issuance of $2,000,000,000 aggregate principal amount of 4.804% Fixed-to-Floating Rate Notes due October 24, 2036. The notes were issued on October 24, 2025 under the company’s shelf registration, pursuant to a Prospectus Supplement dated October 20, 2025 to a Prospectus dated February 9, 2024.

The Notes were issued under the senior indenture dated August 1, 2007, as supplemented on February 12, 2021 and May 1, 2023, with The Bank of New York Mellon serving as trustee. This filing also includes related legal opinions and consents as exhibits.

American Express Company furnished an 8-K announcing that it reported financial results for the third quarter of 2025. The company furnished its earnings release as Exhibit 99.1 and additional financial information as Exhibit 99.2 under Items 2.02 (Results of Operations and Financial Condition) and 7.01 (Regulation FD Disclosure).

The filing includes an extensive cautionary note on forward-looking statements tied to 2025 guidance, outlining factors that could affect performance such as consumer and business spending trends, interest rates, credit metrics, reward and marketing costs, operating expenses, competition, regulation, and broader macroeconomic and geopolitical conditions.

Securities listed as registered under Section 12(b) include Common Shares (AXP) and 3.433% Fixed‑to‑Floating Rate Notes due May 20, 2032 (AXP32), both on the New York Stock Exchange.

American Express furnished monthly and quarterly credit metrics for U.S. Consumer and U.S. Small Business Card Member loans. As of September 30, 2025, total loans were $124.8 billion, with U.S. Consumer at $94.1 billion and U.S. Small Business at $30.7 billion. Consumer 30+ days past due were 1.4% and Small Business were 1.6%. For the three months ended September 30, 2025, the Consumer net write-off rate (principal only) was 2.0%, and Small Business was 2.6%.

The filing also summarized the American Express Credit Account Master Trust. For September 2025, the Lending Trust reported an ending total principal balance of $25.0 billion, an annualized default rate net of recoveries of 1.3%, and total 30+ days delinquent of $0.2 billion. These trust figures reflect securitized loans and may differ from portfolio statistics due to mix, vintage, aging, calculation mechanics, and month-to-month factors.

American Express Company filed a current report to disclose a planned leadership change. Douglas E. Buckminster, the company’s Vice Chairman, will retire from American Express after a long career with the company. He will continue serving as Vice Chairman until his retirement in March 2026, providing for an orderly transition. The company has also made available a newsroom post announcing his retirement, which is included as an exhibit to this report.

American Express Company reports stable credit trends for its U.S. Consumer and U.S. Small Business card loans for June through August 2025. U.S. consumer card loans totaled $94.6 billion at August 31, 2025, with 30-day delinquencies steady at 1.3% for all three months and a net write-off rate of 2.0% in July and August, slightly below June’s 2.1%. U.S. small business card loans were $30.9 billion at August 31, 2025, with 30-day delinquencies at 1.6% and net write-off rates of 2.7% in July and August versus 2.6% in June.

The combined U.S. consumer and small business loan portfolio reached $125.5 billion at August 31, 2025. For the American Express Credit Account Master Trust, ending principal balances were $25.4 billion in both July and August 2025, with defaulted amounts of $0.04 billion and annualized default rates between 1.1% and 1.3%, while 30+ day delinquencies remained at $0.2 billion across the three months.

American Express Company filed updated credit metrics for its U.S. Consumer and U.S. Small Business card loans held for investment for May, June and July 2025. As of July 31, 2025, U.S. Consumer Card Member loans totaled $93.7 billion, with 30‑days‑past‑due loans at 1.3% of total and a net write‑off rate on principal of 2.0%, slightly below 2.1% in June. U.S. Small Business Card Member loans totaled $30.5 billion, with 30‑days‑past‑due loans at 1.6% and a net write‑off rate of 2.7%, higher than 2.4% in May.

For the American Express Credit Account Master Trust, the ending total principal balance for the July 1–31, 2025 period was $25.4 billion, with a defaulted amount of $0.04 billion, an annualized default rate net of recoveries of 1.1% and total 30+ days delinquent of $0.2 billion. The company notes that trust performance can differ from overall portfolio metrics due to differences in loan mix, vintages, aging, calculation mechanics and normal month‑to‑month variability.

American Express Company ("AXP") filed an 8-K to report the issuance of three senior debt tranches totalling $4.0 billion on 25 Jul 2025.

• $1.5 billion 4.351% fixed-to-floating notes due 20 Jul 2029
• $1.75 billion 4.918% fixed-to-floating notes due 20 Jul 2033
• $0.75 billion floating-rate notes due 20 Jul 2029

The securities were issued under the 2007 senior indenture (as amended in 2021 and 2023) and registered under shelf statement No. 333-276975 using a prospectus supplement dated 21 Jul 2025.

No earnings figures, covenant details, or use-of-proceeds disclosure accompanied the filing; it serves primarily to place the notes and file related legal opinions.