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.
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From American Express's 10-Q and 10-K filings (SEC XBRL). YoY compares each quarter with the same quarter a year earlier; it is blank when the year-ago figure is missing or negative.
Annual results
Fiscal year
Revenue
Growth
EPS (diluted)
Growth
Net margin
FY2025
$41.30B
+6.4%
$15.38
+9.8%
26.2%
FY2024
$38.83B
+4.3%
$14.01
+25.0%
26.1%
FY2023
$37.22B
+8.8%
$11.21
+13.8%
22.5%
FY2022
$34.22B
+23.5%
$9.85
-1.7%
22.0%
FY2021
$27.72B
+26.1%
$10.02
+165.8%
29.1%
Frequently asked questions
When is American Express's next earnings date?
American Express has not announced a report date within the next three weeks. US companies usually report three to six weeks after each quarter ends; this page updates as soon as the date is on the calendar.
What did American Express earn last quarter?
For the quarter ended Sep 2026, American Express reported diluted EPS of $5.42 (+30.9% year over year) on revenue of $11.23B (+7.8%).
Where do these numbers come from?
Reported revenue, net income and EPS come from the company's own 10-Q and 10-K filings with the SEC (XBRL data). The report date and consensus estimate come from the Nasdaq earnings calendar.
Not investment advice. Figures can be restated by the company in later filings.