USCS — Provisions
Business Segments · ProvisionsAmerican Express USCS — Provisions remained flat by 0.0% to $741.75M in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 2.0%, from $757.25M to $741.75M. Over 3 years (FY 2022 to FY 2025), USCS — Provisions shows an upward trend with a 42.7% 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 deteriorating credit quality or portfolio growth, while a decrease may indicate improved borrower health or tighter underwriting.
Detailed definition
This represents the expense recognized by the segment to account for expected credit losses on its lending portfolio. It...
Peer comparison
Comparable to 'Provision for Credit Losses' at other major credit card issuers and consumer banks.
Metric ID:
axp_segment_uscs_provisionsHistorical Data
4 years
| FY'22 | FY'23 | FY'24 | FY'25 | |
|---|---|---|---|---|
| Value | $1.02B | $2.86B | $3.03B | $2.97B |
| YoY Change | — | +179.6% | +6.1% | -2.0% |
Range$1.02B – $3.03B
CAGR+42.7%
Avg YoY Growth+61.2%
Median YoY Growth+6.1%
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Frequently Asked Questions
- What is American Express's uscs — provisions?
- American Express (AXP) reported uscs — provisions of $741.75M in Q4 2025.
- How has American Express's uscs — provisions changed year-over-year?
- American Express's uscs — provisions decreased by 2.0% year-over-year, from $757.25M to $741.75M.
- What is the long-term trend for American Express's uscs — provisions?
- Over 3 years (2022 to 2025), American Express's uscs — provisions has grown at a 42.7% compound annual growth rate (CAGR), from $1.02B to $2.97B.
- What does uscs — provisions mean?
- The amount of money set aside to cover potential losses from unpaid customer credit card balances.