Short-Term Borrowings
American Express Short-Term Borrowings increased by 23.4% to $1.69B in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 8.5%, from $1.56B to $1.69B. Over 5 years (FY 2020 to FY 2025), Short-Term Borrowings shows a downward trend with a -6.1% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
How to read this metric
An increase may indicate a greater reliance on short-term funding to manage working capital or liquidity needs, while a decrease suggests a shift toward long-term financing or reduced borrowing requirements.
Detailed definition
This represents the total principal amount of debt obligations that are due for repayment within one year or the normal...
Peer comparison
Peers in the financial services sector typically manage this based on their overall funding mix and access to commercial paper markets.
short_term_borrowingsHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $1.86B | $2.25B | $2.24B | $2.12B | $1.98B | $1.52B | $1.35B | $1.72B | $1.58B | $1.61B | $1.29B | $1.74B | $1.64B | $1.46B | $1.37B | $1.56B | $1.49B | $1.45B | $1.37B | $1.69B |
| QoQ Change | — | +20.9% | -0.4% | -5.4% | -6.5% | -23.6% | -11.0% | +27.9% | -8.2% | +1.9% | -19.8% | +34.7% | -5.9% | -11.1% | -5.7% | +13.5% | -4.2% | -3.1% | -5.2% | +23.4% |
| YoY Change | — | — | — | — | +6.4% | -32.8% | -39.9% | -18.8% | -20.2% | +6.5% | -4.1% | +1.0% | +3.5% | -9.7% | +6.3% | -10.5% | -8.9% | -0.8% | -0.2% | +8.5% |
Short-Term Borrowings at Other Companies
Frequently Asked Questions
- What is American Express's short-term borrowings?
- American Express (AXP) reported short-term borrowings of $1.69B in Q1 2026.
- How has American Express's short-term borrowings changed year-over-year?
- American Express's short-term borrowings increased by 8.5% year-over-year, from $1.56B to $1.69B.
- What is the long-term trend for American Express's short-term borrowings?
- Over 5 years (2020 to 2025), American Express's short-term borrowings has grown at a -6.1% compound annual growth rate (CAGR), from $1.88B to $1.37B.
- What does short-term borrowings mean?
- The total amount of debt the company must repay within the next twelve months.