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 Company is offering $1,750,000,000 principal amount of 4.444% fixed-to-floating rate notes due May 3, 2030. Interest is fixed at 4.444% through May 3, 2029, then resets to Compounded SOFR + 0.811% for the remaining year. Delivery is expected on May 4, 2026. Net proceeds are estimated at approximately $1.74 billion and will be used for general corporate purposes. The notes are senior unsecured, rank equal to other senior unsecured debt, are not listed on an exchange and will be issued in book-entry form through DTC.
American Express Company reported solid growth for the quarter ended March 31, 2026, driven by higher card spending and lending. Total revenues net of interest expense rose to $18.9 billion from $17.0 billion, an 11% increase, while net income increased to $3.0 billion, with diluted EPS of $4.28 versus $3.64 a year earlier.
Network volumes reached $486.3 billion, up 11%, and billed business grew 10%, supported by strong U.S. consumer and international spending. Credit metrics remained stable, with Card balances net write-off rate at 2.3% and 30+ day delinquencies for consumer and small business at 1.3%. Return on average equity was 35.2%.
The company maintained a Common Equity Tier 1 ratio of 10.5% and returned $2.3 billion to shareholders through $1.7 billion of share repurchases and $652 million of common dividends. Customer deposits grew to $157.9 billion, and cash and cash equivalents totaled $53.8 billion, supporting a strong liquidity profile.
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.
Wallace Noel R. reported acquisition or exercise transactions in this Form 4 filing.
American Express director Wallace Noel R. reported receiving 121.185 Share Equivalent Units tied to the value of American Express common stock at a reference price of $299.13 per unit. These units were granted under the Directors' Deferred Compensation Plan as non-cash compensation.
Each Share Equivalent Unit mirrors one common share in value but will be settled in cash after his service as a director ends. The units are described as convertible immediately upon termination of service and have no expiration date, highlighting that this is a deferred, cash-settled award rather than an open-market stock purchase or sale.
Young Christopher David reported acquisition or exercise transactions in this Form 4 filing.
AMERICAN EXPRESS CO director Christopher David Young received an award of 133.721 Share Equivalent Units on the company’s deferred compensation plan, reflecting the value of common shares at $299.13 per unit. These units are cash-settled after his service as a director ends and have no expiration date.
Each Share Equivalent Unit mirrors the value of one share of common stock but does not represent actual stock ownership. Following this grant and prior accruals, including dividend reinvestments, Young holds a total of 20,069.728 Share Equivalent Units under the plan.
American Express director Lisa W. Wardell received a grant of share equivalent units tied to the company’s common stock as part of director compensation. She acquired 125.364 share equivalent units on March 31, 2026 at a reference value of $299.13 per unit, bringing her total direct holdings in these units to 9,542.359.
Each share equivalent unit reflects the value of one common share but will be settled in cash, not stock, after her service as a director ends. The units are issued under the company’s Directors’ Deferred Compensation Plan and related director plans and are immediately convertible upon termination of service with no expiration date.
VASELLA DANIEL reported acquisition or exercise transactions in this Form 4 filing.
AMERICAN EXPRESS CO director Daniel Vasella received a grant of 108.926 Share Equivalent Units on March 31, 2026 under the Directors' Deferred Compensation Plan at a reference value of $299.13 per unit. Each unit reflects the value of one common share and will be settled in cash after his board service ends.
The Share Equivalent Units are convertible upon termination of service with no expiration date. Following this award, Vasella holds a total of 46,066.711 Share Equivalent Units linked to American Express common stock value, including units accumulated through a dividend reinvestment feature.
Director Charles E. Phillips Jr. acquired 62.682 Share Equivalent Units of American Express under the Directors' Deferred Compensation Plan. Each unit reflects the value of one common share but will be settled in cash after his service as a director ends. Following this grant, he holds 9,673.947 Share Equivalent Units, which are convertible upon termination of service and have no expiration date.