USCS — Interest Income (Expense), Operating
Business Segments · Interest Income (Expense), OperatingAmerican Express USCS — Interest Income (Expense), Operating remained flat by 0.0% to $3.13B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 10.8%, from $2.82B to $3.13B. Over 3 years (FY 2022 to FY 2025), USCS — Interest Income (Expense), Operating shows an upward trend with a 18.7% 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
Higher values indicate a more profitable lending operation and effective management of funding costs.
Detailed definition
The net result of interest income earned minus interest expense incurred by the U.S. Consumer Services segment. This rep...
Peer comparison
Equivalent to Net Interest Income (NII) in the banking and credit card industry.
Metric ID:
axp_segment_uscs_interest_income_expense_operatingHistorical Data
4 years
| FY'22 | FY'23 | FY'24 | FY'25 | |
|---|---|---|---|---|
| Value | $7.47B | $9.65B | $11.29B | $12.51B |
| YoY Change | — | +29.1% | +17.0% | +10.8% |
Range$7.47B – $12.51B
CAGR+18.7%
Avg YoY Growth+19.0%
Median YoY Growth+17.0%
Current Streak3+ years growth
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Frequently Asked Questions
- What is American Express's uscs — interest income (expense), operating?
- American Express (AXP) reported uscs — interest income (expense), operating of $3.13B in Q4 2025.
- How has American Express's uscs — interest income (expense), operating changed year-over-year?
- American Express's uscs — interest income (expense), operating increased by 10.8% year-over-year, from $2.82B to $3.13B.
- What is the long-term trend for American Express's uscs — interest income (expense), operating?
- Over 3 years (2022 to 2025), American Express's uscs — interest income (expense), operating has grown at a 18.7% compound annual growth rate (CAGR), from $7.47B to $12.51B.
- What does uscs — interest income (expense), operating mean?
- The net profit or loss from interest activities within the U.S. Consumer Services segment.