ICS — Provisions
Business Segments · ProvisionsAmerican Express ICS — Provisions remained flat by 0.0% to $207.75M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 14.5%, from $181.50M to $207.75M. Over 3 years (FY 2022 to FY 2025), ICS — Provisions shows an upward trend with a 12.5% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ1 2022
Last reportedQ4 2025
How to read this metric
An increase suggests rising credit risk or portfolio growth, while a decrease may indicate improved credit quality or more conservative lending.
Detailed definition
This represents the expense recognized to maintain an adequate allowance for credit losses on loans and receivables with...
Peer comparison
Comparable to 'Provision for Credit Losses' in other global credit card issuers and banking institutions.
Metric ID:
axp_segment_ics_provisionsHistorical Data
4 years
| FY'22 | FY'23 | FY'24 | FY'25 | |
|---|---|---|---|---|
| Value | $584.00M | $727.00M | $726.00M | $831.00M |
| YoY Change | — | +24.5% | -0.1% | +14.5% |
Range$584.00M – $831.00M
CAGR+12.5%
Avg YoY Growth+12.9%
Median YoY Growth+14.5%
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Frequently Asked Questions
- What is American Express's ics — provisions?
- American Express (AXP) reported ics — provisions of $207.75M in Q4 2025.
- How has American Express's ics — provisions changed year-over-year?
- American Express's ics — provisions increased by 14.5% year-over-year, from $181.50M to $207.75M.
- What is the long-term trend for American Express's ics — provisions?
- Over 3 years (2022 to 2025), American Express's ics — provisions has grown at a 12.5% compound annual growth rate (CAGR), from $584.00M to $831.00M.
- What does ics — provisions mean?
- The amount set aside to cover expected losses from unpaid customer credit card balances.