Overview
- Q4 net income rose to $2.46 billion with earnings of $3.53 per share as revenue climbed 10% to $18.98 billion.
- The company guided 2026 earnings to $17.30–$17.90 per share and projected revenue growth of about 9%–10%.
- American Express raised its quarterly dividend 16% to $0.95 per share.
- Card spending increased about 9% year over year, with Gen‑Z and Millennials now outspending Gen‑X, and executives said credit quality remains strong.
- A proposed one‑year, 10% cap on credit‑card rates from President Trump is in focus for investors, with industry groups pushing back and analysts noting such a move would likely require legislation.