← Research LibraryThe BriefFY2025 10-K · headline figures audited against SEC data
American Express grew revenue and cash flow, while credit and partner concentration remain the real watch items.
The read at a glance✓ Audited against SEC data
- Growth — Revenue +6.4% to $41.30BOK
- Profitability — Net income +7.0% to $10.83BOK
- Cash quality — FCF +31.8% to $16.00BOK
- Margins — FCF margin +747 bpsOK
- Capital — Debt +13.4%; buybacks -3.4%Watch
- Insiders — 0 open-market buys / 21 sellsWatch
Business
American Express is a global payments and premium lifestyle company. It issues cards, acquires merchants, runs a card network, lends to customers, takes deposits, and builds rewards, travel, dining, expense management, and partner benefits around that closed-loop payments platform.
Where the revenue comes from
Fiscal 2025, as AMERICAN EXPRESS CO reports it. History and quarterly detail are in the app.
- USCS$34.8B
- CS$16.9B
- ICS$13.0B
- GMNS$7.8B
Leadership changes
From AMERICAN EXPRESS CO's own filings, the day they're filed.
- Douglas E. Buckminster · Chairman · departureeff. 2025-09-29
- American Express · President · departureeff. 2025-02-03
- Jeffrey C. Campbell · Chief Financial Officer · departureeff. 2023-06-27
Latest filings
- 8-K · Company announcement2026-08-17
- 8-K · Company announcement2026-08-12
- 8-K · Company announcement2026-08-05
- 10-Q · Quarterly report2026-07-24
- 8-K · Company announcement2026-07-24
In the full recordFree for 14 days
- What changed🔒
- Insider signal🔒
- Growth quality🔒
- Margins & accounting🔒
- Capital allocation🔒
- Real risks🔒
- The long arc🔒
- Company history🔒
- The filings, readable — with what changed vs the prior year highlighted🔒
- Full financial statements, industry-aware, sources cited throughout🔒
- Forensic score history & components — the trend, not one year🔒
- Ownership: insider buys/sells, clusters, activist stakes🔒
- Ana — ask about AMERICAN EXPRESS CO, every answer cited to the official filings🔒
Every figure comes from the company's filings, and analysis whose figures don't match SEC data is rejected before publication.
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