Every material Form 8-K American Express filed with the SEC in 2025, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
American Express filed monthly delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card Member loans held for investment for the months ended November, October and September 2025. Consumer net write-off rates eased in November, while Small Business rates rose slightly, and total held-for-investment loans reached $129.1 billion.
U.S. Consumer net write-off rate was 2.1% in November 2025, versus 2.2% in October and 1.9% in September.
U.S. Small Business net write-off rate was 2.7% in November 2025, versus 2.6% in October and 2.5% in September.
Consumer and Small Business loans held for investment totaled $129.1 billion at November 30, 2025, up from $126.4 billion at October 31, 2025.
American Express disclosed monthly credit statistics for its U.S. Consumer and U.S. Small Business Card Member loans held for investment for October, September and August 2025. The U.S. Consumer net write-off rate rose to 2.2% in October from 1.9% in September, while its 30-day delinquency rate held at 1.4%, and total held-for-investment card loans rose to $126.4 billion from $124.8 billion.
U.S. Consumer net write-off rate (principal only) was 2.2% in October 2025, up from 1.9% in September and 2.0% in August.
U.S. Consumer 30-days-past-due loans were 1.4% of total loans in October, unchanged from September and up from 1.3% in August.
U.S. Small Business net write-off rate was 2.6% in October, up from 2.5% in September and down from 2.7% in August.
Total Card Member loans held for investment were $126.4 billion at October 31, 2025, compared with $124.8 billion at September 30, 2025.
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