American Express Company filings document the regulatory record of a global payments company with consumer, small-business, commercial, and merchant-network activities. Current reports and Regulation FD disclosures cover operating results, supplemental financial data, Card Member loan delinquency and write-off statistics for U.S. Consumer and U.S. Small Business portfolios, and risk disclosures tied to spending volumes, partnerships, regulation, litigation, competition, and reputation.
Its filings also address capital structure and governance, including fixed-to-floating rate note issuances under shelf registration materials, common-share dividend actions, annual meeting voting results, director elections, auditor ratification, executive compensation votes, shareholder proposals, and related proxy disclosures.
American Express Company officer Anna Marrs reported a proposed sale of 44,910 common shares, with an approximate market value of $14,694,839.42. The notice lists November 2, 2026, as the approximate sale date and Morgan Stanley Smith Barney LLC as broker. The shares were acquired from the issuer through exercise of options under a registered plan.
American Express Company officer Laureen Ellen Seeger reported a proposed sale of 69,860 common shares on November 2, 2026, with an aggregate market value of $22,925,704.70. The securities are described as acquired through exercise of options under a registered plan.
American Express Company (AXP) issued three tranches of notes on October 30, 2026: $1,500,000,000 of 5.447% Fixed-to-Floating Rate Notes due October 30, 2030; $1,150,000,000 of 5.817% Fixed-to-Floating Rate Notes due October 27, 2034; and $350,000,000 of Floating Rate Notes due October 30, 2030. The notes were issued under a prospectus supplement dated October 26, 2026, to a prospectus dated February 9, 2024. They are governed by a senior indenture dated August 1, 2007, between American Express and The Bank of New York Mellon, as trustee, as supplemented by indentures dated February 12, 2021, and May 1, 2023.
American Express Company is offering $1,500,000,000 principal amount of 5.447% fixed-to-floating rate notes due October 30, 2030, $1,150,000,000 principal amount of 5.817% fixed-to-floating rate notes due October 27, 2034, and $350,000,000 principal amount of floating rate notes due October 30, 2030. The notes are senior unsecured obligations, ranking equally with the company’s other senior unsecured debt and ahead of its subordinated debt. They will not be listed on an exchange.
The fixed-to-floating notes switch to Compounded SOFR plus 0.846% on October 30, 2029, for the 2030 notes, and plus 1.231% on October 27, 2033, for the 2034 notes. The floating rate notes pay Compounded SOFR plus 0.850%. Interest is paid semi-annually during fixed-rate periods and quarterly during floating-rate periods. American Express estimates net proceeds of approximately $2.99 billion, after underwriting discounts and estimated offering expenses, for general corporate purposes. The notes are new issues with no established trading market, and underwriters are not obligated to make a market.
American Express Company reported third-quarter 2026 revenue net of interest expense of $20.062 billion, up 9% year over year, and net income of $3.712 billion, versus $2.902 billion. Diluted EPS was $5.42, compared with $4.14. At September 30, 2026, total Card balances and Other loans were $233.153 billion, up 8% year over year.
A sale of its equity interest in Global Business Travel Group, Inc. generated a $982 million gain ($751 million after tax); the company also recorded a $336 million restructuring charge ($253 million after tax) tied to efficiency initiatives. Credit-loss provisions fell 23% to $985 million, reflecting reserve releases partly offset by higher net write-offs. American Express returned $2.240 billion through share repurchases and common dividends. Its Common Equity Tier 1 capital ratio was 10.9% as of September 30, 2026, within its 10% to 11% target range.
After quarter-end, on October 8, 2026, American Express Company and American Express Travel Related Services Company, Inc. consented to a Federal Reserve order resolving reviews of certain aspects of the financial crimes compliance program. American Express National Bank consented to an OCC order and agreed to a $350 million civil money penalty.
American Express reported third-quarter 2026 total revenues net of interest expense of $20.1 billion, up 9% year over year. Net income was $3.7 billion, up 28%, while diluted EPS rose 31% to $5.42. Adjusted EPS was $4.68, up 13%, excluding the impact of the Global Business Travel Group equity-sale gain, net of restructuring charges.
American Express raised its 2026 outlook to adjusted diluted EPS of $17.60-$17.90 per share, representing 14%-16% growth, and GAAP diluted EPS of $18.30-$18.60, representing 19%-21% growth. Q3 credit-loss provisions were $985 million, versus $1.287 billion a year earlier; the quarter included a reserve release compared with a reserve build in the prior year. The net write-off rate for consumer and small business balances, based on principal losses only, was 1.8%, versus 1.9%. Consolidated expenses were $14.5 billion, up 9%, primarily from higher variable customer engagement costs tied to spending and the U.S. Platinum Card refresh, partly offset by lower operating expenses.
American Express Company (AXP) reported preliminary September 2026 delinquency and net write-off statistics for U.S. Consumer and U.S. Small Business Card balances held for investment. The portfolios had total balances of $160.9 billion as of September 30; the consumer balance was $114.3 billion and the small-business balance was $46.6 billion. Balances classified as held for sale are excluded.
For September, 30-day delinquency was 1.2% for consumer and 1.4% for small business. Principal-only net write-off rates were 1.5% and 2.1%, respectively; preliminary rates for the three months ended September 30 were 1.6% and 2.3%. The separate Lending Trust reported an ending principal balance of $24.7 billion and a 1.0% annualized default rate, net of recoveries, for September. Principal-only net write-off rates exclude interest and/or fees.
American Express Company (AXP) and American Express Travel Related Services Company, Inc. consented to an order from the Federal Reserve to resolve previously disclosed reviews of certain aspects of the company’s financial crimes compliance program. American Express National Bank (AENB) consented to an order from the OCC and agreed to pay a $350 million civil money penalty.
A portion of the penalty was reserved in prior periods, and the penalty does not affect the company’s previously provided full-year 2026 guidance. The orders impose no asset cap on the company; costs to address their requirements are not anticipated to affect 2027 guidance.
American Express (AXP) director Christopher David Young acquired 128.1020 Share Equivalent Units on September 30, 2026, under the Directors' Deferred Compensation Plan. Each unit reflects the value of one common share. The units are convertible immediately upon termination of service as a Director and will be settled in cash following termination. Young held 21,178.8740 Share Equivalent Units afterward; the balance includes units acquired through a dividend reinvestment feature of the Directors' Deferred Compensation Plan and/or the 2003 Share Equivalent Unit Plan for Directors.
American Express Co. director Lisa W. Wardell acquired 120.096 Share Equivalent Units on September 30, 2026, under the Directors' Deferred Compensation Plan. The reported price per share was $312.25. Each unit reflects the value of one common share; the units are convertible immediately upon termination of her service as a director and will be settled in cash following termination. Her reported balance after the acquisition was 10,574.744 units, including units acquired through a dividend reinvestment feature and/or the 2003 Share Equivalent Unit Plan for Directors.