Shares of American Specific Firm (NYSE: AXP) stayed pink on Wednesday. The inventory has gained 9% year-to-date. The bank card big is scheduled to report its earnings outcomes for the third quarter of 2025 on Friday, October 17, earlier than market open. Right here’s a take a look at what to anticipate from the earnings report:
Income
Analysts are projecting income of $18.05 billion for American Specific in Q3 2025. This suggests a progress of over 8% from the identical interval final 12 months. Within the second quarter of 2025, complete revenues elevated 9% year-over-year to $17.9 billion.
Earnings
The consensus goal for Q3 2025 earnings per share is $4.00, which signifies a rise of round 15% from the prior-year quarter. In Q2 2025, adjusted EPS grew 17% YoY to $4.08.
Factors to notice
American Specific could be anticipated to learn from its membership-focused enterprise mannequin and its distinctive vary of belongings. Its continued concentrate on the premium house and its efforts in boosting its merchandise and providing newer advantages to prospects are anticipated to drive momentum within the enterprise.
Final quarter, American Specific’ high line outcomes benefited from larger Card Member spending and internet curiosity revenue, in addition to sturdy card charge progress. It noticed sturdy demand for its premium merchandise. In opposition to the backdrop of a dynamic macroeconomic surroundings and cautious shopper sentiment, the corporate’s buyer base stays resilient.
AXP continues to see sturdy demand for its merchandise together with sturdy buyer engagement. It acquired 3.1 million new playing cards in Q2 with transaction progress of 9%. Card charge revenues rose a minimum of 60% whereas spend retention stood at 98% in Q2.
The corporate is seeing progress in spend amongst millennials and Gen Z prospects within the US in addition to double-digit progress in its worldwide enterprise. The expansion in premium merchandise has boosted its credit score efficiency, with delinquency and write-off charges remaining low. These traits are more likely to profit its efficiency within the to-be-reported quarter as nicely.
