Welcome to our dedicated page for American Express Co SEC filings (Ticker: AXP), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
American Express Company (NYSE: AXP) files a range of reports with the U.S. Securities and Exchange Commission that provide detailed information about its operations, credit performance and capital markets activity. As a New York–incorporated financial services company, American Express reports under Commission File Number 1-7657 and discloses its principal executive office in New York in its current reports.
On this SEC filings page, users can access American Express current reports on Form 8-K, which have recently included monthly delinquency and net write-off statistics for U.S. consumer and U.S. small business card member loans held for investment. These filings present data on total loans, delinquency percentages and net write-off rates based on principal only, as well as performance metrics for the American Express Credit Account Master Trust. The company explains that trust-level performance can differ from overall portfolio performance due to differences in mix, vintage, aging and calculation methods.
American Express also uses Form 8-K to report other events, such as the issuance of fixed-to-floating rate notes and floating rate notes under its shelf registration statement, and to furnish earnings releases and additional financial information for specific quarters. Certain filings discuss leadership changes and other corporate developments.
Through Stock Titan, these filings are available with AI-powered summaries that highlight key points from lengthy documents, helping users quickly understand items such as credit trends, new debt issuances and notable corporate events. Investors interested in AXP can review annual reports on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K and, where applicable, insider transaction reports on Form 4 to gain a more complete view of American Express’s regulatory disclosures and governance.
American Express (AXP) reported insider transactions by its Chairman and CEO on 10/21/2025 via Form 4. The filing notes a transfer of 17,300 shares from a Grantor Retained Annuity Trust as an annuity payment (exempt under Rule 16a-13) and an acquisition of 11,000 shares in connection with a debt previously contracted (exempt from Section 16(b)). Two GRAT positions of 21,450 and 6,665 shares were transferred out at $0. Following these transactions, the reporting person held 173,980 shares directly, plus 129.38 shares through a 401(k) plan.
American Express (AXP) filed a Form 144 notice indicating a holder plans to sell up to 5,000 shares of common stock, with an aggregate market value of $1,753,650. The planned sales would be executed through Morgan Stanley Smith Barney LLC on or about 10/22/2025 on the NYSE.
The shares were acquired on 01/29/2023 via restricted stock vesting under a registered plan. Shares outstanding were 688,851,653 as of the filing; this is a baseline figure, not the amount being sold.
American Express Company reported solid Q3 results, highlighted by higher spending and stable credit. Total revenues net of interest expense were $18,426 million, up 11% year over year, while net income rose to $2,902 million (diluted EPS $4.14, up 19%). Network volumes reached $479.2 billion and billed business was $421.0 billion, both up 9%, driven by strong retail and restaurant spend and improved airline activity.
Credit metrics remained steady: net write-offs (principal, interest and fees) held at 2.2% and 30+ day delinquencies for consumer and small business were 1.3%. Provisions for credit losses declined 5% to $1,287 million. The company added 3.2 million proprietary new cards and refreshed U.S. Consumer and Business Platinum Cards with expanded benefits, alongside an increased annual fee applied at renewal and recognized over the membership period. Liquidity and capital stayed strong with cash and equivalents of $54,706 million, customer deposits of $149,883 million, and CET1 of 10.5%. The company returned $2.9 billion to shareholders through repurchases and dividends. Shares outstanding were 688,851,653 as of October 14, 2025.
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.
Christopher David Young, a director of American Express Company (AXP), reported acquisition of 119.275 share equivalent units under the company's Directors' Deferred Compensation Plan on 09/30/2025. The units are valued in the filing with a reference price of $335.36 and a reported total of $19,741.46. The units reflect the economic value of common shares, are convertible to cash upon termination of service as a director, have no expiration date, and include amounts from a dividend reinvestment feature and/or the 2003 Share Equivalent Unit Plan for Directors.
Lisa W. Wardell, a Director of American Express Company (AXP), reported acquiring 9,276.072 Share Equivalent Units on 09/30/2025 under the company’s Directors' Deferred Compensation Plan.
Each Share Equivalent Unit reflects the value of one common share and the reported units will be settled in cash following termination of Ms. Wardell’s service as a Director. The units are convertible immediately upon termination and have no expiration date. The reported total includes units acquired through a dividend reinvestment feature of the Directors' Deferred Compensation Plan and/or the 2003 Share Equivalent Unit Plan for Directors.
Daniel Vasella, a director of American Express Company (AXP), reported a transaction dated 09/30/2025 on Form 4. The filing shows acquisition of 104.365 share equivalent units under the Directors' Deferred Compensation Plan; each unit reflects the value of one common share. The filing reports 45,660.053 shares (or share equivalents) beneficially owned following the transaction. The share equivalent units are payable in cash after termination of service, are convertible immediately upon termination, have no expiration date, and include amounts from a dividend reinvestment feature. The form was signed by attorney-in-fact on 10/02/2025.
Charles E. Phillips Jr., a director of American Express Company (AXP), reported a transaction dated 09/30/2025 on Form 4. The filing shows acquisition of 9,469.474 Share Equivalent Units under the company's Directors' Deferred Compensation Plan. Each Share Equivalent Unit represents the value of one common share and the units were acquired under the directors' deferred compensation arrangement and/or a dividend reinvestment feature.
The units are payable in cash after termination of the reporting person’s service as a director; they are convertible to an equivalent share value immediately upon termination and have no expiration date. The filing was submitted by one reporting person and signed by an attorney-in-fact on 10/02/2025.
Director Deborah P. Majoras reported a transaction in American Express Company (AXP) showing acquisition of 54.046 share equivalent units on 09/30/2025 under the company’s Directors' Deferred Compensation Plan. Each share equivalent unit represents the value of one common share and the units are payable in cash following termination of her board service. The filing shows 4,189.521 share equivalent units beneficially owned after the transaction. The units are convertible immediately upon termination of service and have no expiration date. The Form 4 was signed by an attorney-in-fact on 10/02/2025.