ICS — Interest Income (Expense), Operating
Business Segments · Interest Income (Expense), OperatingAmerican Express ICS — Interest Income (Expense), Operating remained flat by 0.0% to $295.25M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 8.2%, from $273.00M to $295.25M. Over 3 years (FY 2022 to FY 2025), ICS — Interest Income (Expense), Operating shows an upward trend with a 13.9% 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 a wider net interest margin or growth in the net interest-earning asset base.
Detailed definition
Calculated as the net difference between interest income earned and interest expense incurred by the International Card...
Peer comparison
Equivalent to Net Interest Income (NII) for banks and credit card issuers.
Metric ID:
axp_segment_ics_interest_income_expense_operatingHistorical Data
4 years
| FY'22 | FY'23 | FY'24 | FY'25 | |
|---|---|---|---|---|
| Value | $799.00M | $958.00M | $1.09B | $1.18B |
| YoY Change | — | +19.9% | +14.0% | +8.2% |
Range$799.00M – $1.18B
CAGR+13.9%
Avg YoY Growth+14.0%
Median YoY Growth+14.0%
Current Streak3+ years growth
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Frequently Asked Questions
- What is American Express's ics — interest income (expense), operating?
- American Express (AXP) reported ics — interest income (expense), operating of $295.25M in Q4 2025.
- How has American Express's ics — interest income (expense), operating changed year-over-year?
- American Express's ics — interest income (expense), operating increased by 8.2% year-over-year, from $273.00M to $295.25M.
- What is the long-term trend for American Express's ics — interest income (expense), operating?
- Over 3 years (2022 to 2025), American Express's ics — interest income (expense), operating has grown at a 13.9% compound annual growth rate (CAGR), from $799.00M to $1.18B.
- What does ics — interest income (expense), operating mean?
- The net profit earned from lending activities after accounting for the cost of borrowing.