Oct 30, 2:00 PM ET
American Express issued $3.0 billion of senior notes on October 30, 2026, in three tranches: $1.5 billion of 5.447% fixed-to-floating notes due 2030, $1.15 billion of 5.817% fixed-to-floating notes due 2034, and $350 million of floating rate notes due 2030. The notes were sold under a prospectus supplement dated October 26, 2026 and an existing senior indenture, so the filing reports routine debt financing rather than a change in operations. The filing does not state how the proceeds will be used.
- Total principal issued: $3.0 billion across three tranches dated October 30, 2026
- $1.5 billion of 5.447% fixed-to-floating rate notes due October 30, 2030
- $1.15 billion of 5.817% fixed-to-floating rate notes due October 27, 2034, plus $350 million of floating rate notes due October 30, 2030
Read the filing on SEC.gov ↗
Oct 23, 7:00 AM ET
American Express reported third-quarter 2026 net income of $3.7 billion, up from $2.9 billion a year earlier, and diluted EPS of $5.42, up 31%. Excluding a $982 million pre-tax gain from the sale of its GBTG stake and a $336 million pre-tax restructuring charge, adjusted EPS was $4.68, up 13%. The company raised its full-year 2026 EPS guidance to $18.30 to $18.60 ($17.60 to $17.90 adjusted), which signals higher expected earnings for shareholders.
- Total revenues net of interest expense were $20.1 billion, up 9% year over year, with billed business up 8% to $454.0 billion in the quarter.
- Diluted EPS was $5.42 versus $4.14 a year ago; adjusted EPS was $4.68 versus $4.14.
- Full-year 2026 EPS guidance was raised to $18.30 to $18.60, or $17.60 to $17.90 adjusted.
- Provisions for credit losses fell to $1.0 billion from $1.3 billion, and the net write-off rate was 1.8% versus 1.9% a year ago.
Read the filing on SEC.gov ↗
Oct 15, 12:00 PM ET
American Express furnished preliminary delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card balances held for investment through September 30, 2026. Consumer and small business net write-off rates were lower in September than in July and August, while 30-day delinquency rates rose slightly, so the monthly credit picture is mixed for shareholders.
- U.S. Consumer Card net write-off rate (principal only) was 1.5% in September, down from 1.7% in both August and July.
- U.S. Consumer 30-day past due rate was 1.2% in September, up from 1.1% in August and July.
- U.S. Small Business 30-day past due rate was 1.4% in September, up from 1.3% in August and July; its net write-off rate was 2.1%, down from 2.2% in August and 2.6% in July.
- Total Card balances held for investment were $160.9 billion at September 30, 2026, up from $160.3 billion at August 31, 2026.
Read the filing on SEC.gov ↗
Oct 8, 4:38 PM ET
American Express and its bank subsidiary consented to orders from the Federal Reserve and the Office of the Comptroller of the Currency to resolve regulatory reviews of parts of its financial crimes compliance program. The bank unit also agreed to pay a $350 million civil money penalty, part of which was already reserved for in prior periods. The company says the penalty does not affect its 2026 guidance, and the orders impose no asset cap and are not expected to affect 2027 guidance.
- Consent orders issued October 8, 2026 by the Federal Reserve and the OCC resolve previously disclosed reviews of financial crimes compliance.
- American Express National Bank agreed to pay a $350 million civil money penalty to the OCC.
- A portion of the penalty was reserved for in prior periods; the company says it does not affect full-year 2026 guidance.
- The orders do not impose an asset cap, and remediation costs are not anticipated to affect 2027 guidance.
Read the filing on SEC.gov ↗
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.
