For the quarter ended September 2025, American Express (AXP) reported revenue of $18.43 billion, up 10.8% over the same period last year. EPS came in at $4.14, compared to $3.49 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $17.99 billion, representing a surprise of +2.42%. The company delivered an EPS surprise of +4.55%, with the consensus EPS estimate being $3.96.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how American Express performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Total Card Member loans: $144.81 billion versus $145.06 billion estimated by two analysts on average.
- Risk-Based Capital Ratios - Basel III - Common Equity Tier 1/Risk Weighted Assets: 10.5% versus 10.8% estimated by two analysts on average.
- Commercial Services - Card Member loans - Total loans: $30.69 billion versus $30.84 billion estimated by two analysts on average.
- Commercial Services - Card Member loans - Average loans: $30.55 billion versus the two-analyst average estimate of $30.54 billion.
- International Card Services - Card Member loans - consumer and small business - Average loans: $19.65 billion compared to the $19.43 billion average estimate based on two analysts.
- International Card Services - Card Member loans - consumer and small business - Total loans: $19.98 billion compared to the $19.99 billion average estimate based on two analysts.
- U.S. Consumer Services - Card Member loans - Total loans: $94.14 billion versus the two-analyst average estimate of $94.23 billion.
- Network volumes: $479.20 billion versus the two-analyst average estimate of $473.77 billion.
- Book value per common share: $44.76 versus $45.73 estimated by two analysts on average.
- Card Member loans - Average loans: $143.97 billion compared to the $143.83 billion average estimate based on two analysts.
- U.S. Consumer Services - Card Member loans - Average loans: $93.78 billion compared to the $93.87 billion average estimate based on two analysts.
- Total non-interest revenues: $13.94 billion versus $13.71 billion estimated by five analysts on average.
View all Key Company Metrics for American Express here>>>
Shares of American Express have returned -5.4% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
American Express Company (AXP): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
