CS — Interest Income (Expense), Operating
Business Segments · Interest Income (Expense), OperatingAmerican Express CS — Interest Income (Expense), Operating remained flat by 0.0% to $818.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 23.9%, from $660.00M to $818.00M. Over 3 years (FY 2022 to FY 2025), CS — Interest Income (Expense), Operating shows an upward trend with a 33.6% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
StatementSegment
CategoryProfitability
SignalHigher is better
VolatilityModerate
First reportedQ1 2022
Last reportedQ4 2025
How to read this metric
An increase indicates improved net interest margins or more efficient funding of the loan portfolio.
Detailed definition
The net interest margin generated by the commercial services segment, calculated as interest income minus interest expen...
Peer comparison
Equivalent to Net Interest Income (NII) in traditional banking.
Metric ID:
axp_segment_cs_interest_income_expense_operatingHistorical Data
4 years
| FY'22 | FY'23 | FY'24 | FY'25 | |
|---|---|---|---|---|
| Value | $1.37B | $1.85B | $2.64B | $3.27B |
| YoY Change | — | +34.4% | +43.1% | +23.9% |
Range$1.37B – $3.27B
CAGR+33.6%
Avg YoY Growth+33.8%
Median YoY Growth+34.4%
Current Streak3+ years growth
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Frequently Asked Questions
- What is American Express's cs — interest income (expense), operating?
- American Express (AXP) reported cs — interest income (expense), operating of $818.00M in Q4 2025.
- How has American Express's cs — interest income (expense), operating changed year-over-year?
- American Express's cs — interest income (expense), operating increased by 23.9% year-over-year, from $660.00M to $818.00M.
- What is the long-term trend for American Express's cs — interest income (expense), operating?
- Over 3 years (2022 to 2025), American Express's cs — interest income (expense), operating has grown at a 33.6% compound annual growth rate (CAGR), from $1.37B to $3.27B.
- What does cs — interest income (expense), operating mean?
- The net profit earned from lending activities after accounting for borrowing costs.