American Express Company · AXP · Next earnings

American Express Company reports Friday, Jan 29, 2027

AXP reports before market open with consensus EPS at $4.30 and revenue at $20.81B. Last quarter: American Express raises EPS outlook as premium growth and AI expand

Reports Before market open86 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $4.30 Calendar consensus
Consensus revenue $20.81B Calendar consensus
Report date Jan 29, 2027 Friday, date estimated
Session Before market open 86 days away

Where AXP left off: FY2026 Q3

Full report

American Express raises EPS outlook as premium growth and AI expand

EPS surprise +4.0% Reported $4.68 vs $4.50
Revenue surprise -0.3% Reported $20.06B vs $20.12B
Stock move -3.7% Event window
Subsequent drift 0.0% Up to 20 sessions

Guidance sentiment was raised; the analysis states full-year EPS guidance increased to $18.30-$18.60 while the 10% revenue-growth target was reaffirmed.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Competitive pressure from Capital One, Citi, Chase and other issuers.
  • Credit quality, allowance coverage and economic stress.
  • OCC penalty, consent-order obligations and regulatory changes related to the Visa/Mastercard settlement.
  • Execution and adoption risks around AI, agentic commerce and restructuring.

Questions analysts left open

  • Whether mid-teens EPS growth can remain durable as value creation expenses moderate.
  • Credit quality and allowance coverage under economic stress.
  • Competitive intensity in premium cards and the implications of the Visa/Mastercard settlement.

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Recent AXP quarters

All AXP earnings
-3.7%FY2026 Q3-4.3%FY2026 Q2-4.3%FY2026 Q1+7.3%FY2025 Q3

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.