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American Express AXP Q2 2025 earnings

Reported July 18, 2025 · Before market open

Revenue$17.9BBeat by $141.3M
EPS$4.08Beat by $0.19
Revenue estimate$17.7B
EPS estimate$3.89

Next report

Oct 23, 2026 (In 2 weeks)
Revenue estimate$20.1B
EPS estimate$4.53

Financials

Q2 2025

Income statement

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Revenue$17.9B+9.3%
Net income$2.9B-4.3%
EPS (diluted)$4.08-1.7%

Balance sheet

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Cash & equivalents$57.9B+9.5%
Total debt$59.7B+12.3%
Total equity$32.3B+9.4%
Total assets$295.56B+8.6%

Cash flow

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Operating cash flow$4.4B-3.7%
CapEx$619.0M+9.6%
Free cash flow$3.7B-5.6%

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$216.05B+29.7%
Enterprise value$217.81B+30.6%
P/E21.3×+4.4×
P/S3.1×+0.5×

Profitability

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Net margin14.8%-0.8pp

Returns & leverage

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Return on equity32.8%-2.2pp
Debt / equity1.8×0.0×

Segments

By segment

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USCS$3.9B+5.6%
CS$3.0B+1.8%
ICS$1.9B+12.4%
GMNS$1.6B+3.8%

By geography

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EMEA$1.8B+13.8%
APAC Geographic Region$1.3B+11.1%
Lacc Geographic Region$1.0B+9.1%
Other Unallocated-$67.8M+3.6%

FAQ

When did American Express report Q2 2025 earnings?
American Express (AXP) reported Q2 2025 earnings on July 18, 2025 before market open.
What were American Express's Q2 2025 revenue and EPS?
American Express reported revenue of $17.9B and eps of $4.08 for Q2 2025.
Did American Express beat estimates in Q2 2025?
Revenue beat the consensus estimate of $17.7B by $141.3M. EPS beat the consensus estimate of $3.89 by $0.19.
How did American Express's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 9.3% from $16.3B a year earlier and eps grew 16.9% from $3.49.
Where can I find American Express's Q2 2025 SEC filings?
You can read the 8-K earnings release (0000004962-25-000078) and the 10-Q periodic report (0000004962-25-000083) directly on SEC EDGAR. The filing index links above go to sec.gov.