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Here's What Key Metrics Tell Us About American Express (AXP) Q4 Earnings
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For the quarter ended December 2024, American Express (AXP - Free Report) reported revenue of $17.18 billion, up 8.7% over the same period last year. EPS came in at $3.04, compared to $2.62 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $17.18 billion, representing a surprise of +0.01%. The company delivered an EPS surprise of +0.33%, with the consensus EPS estimate being $3.03.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how American Express performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Book value per common share: $40.88 compared to the $41.49 average estimate based on three analysts.
Commercial Services - Card Member Loans - Total loans: $29.65 billion versus $30.48 billion estimated by two analysts on average.
U.S. Consumer Services - Card Member loans - Total loans: $92.63 billion versus the two-analyst average estimate of $91 billion.
International Card Services - Card Member loans - consumer and small business - Total loans: $17.4 billion compared to the $18.56 billion average estimate based on two analysts.
Average Card Member loans: $136.97 billion versus $136.84 billion estimated by two analysts on average.
Total Card Member loans: $139.67 billion versus the two-analyst average estimate of $140.03 billion.
Card billed business (Network volumes): $464 billion versus the two-analyst average estimate of $458.67 billion.
Total Interest Income: $6.08 billion compared to the $6.19 billion average estimate based on five analysts.
Total non-interest revenues: $13.14 billion versus the five-analyst average estimate of $13.07 billion.
Net Interest Income: $4.04 billion compared to the $4.12 billion average estimate based on five analysts.
Discount revenue: $9.18 billion compared to the $9.11 billion average estimate based on four analysts.
Net card fees: $2.25 billion versus the four-analyst average estimate of $2.26 billion.
Shares of American Express have returned +7.2% over the past month versus the Zacks S&P 500 composite's +2.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Here's What Key Metrics Tell Us About American Express (AXP) Q4 Earnings
For the quarter ended December 2024, American Express (AXP - Free Report) reported revenue of $17.18 billion, up 8.7% over the same period last year. EPS came in at $3.04, compared to $2.62 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $17.18 billion, representing a surprise of +0.01%. The company delivered an EPS surprise of +0.33%, with the consensus EPS estimate being $3.03.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how American Express performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Book value per common share: $40.88 compared to the $41.49 average estimate based on three analysts.
- Commercial Services - Card Member Loans - Total loans: $29.65 billion versus $30.48 billion estimated by two analysts on average.
- U.S. Consumer Services - Card Member loans - Total loans: $92.63 billion versus the two-analyst average estimate of $91 billion.
- International Card Services - Card Member loans - consumer and small business - Total loans: $17.4 billion compared to the $18.56 billion average estimate based on two analysts.
- Average Card Member loans: $136.97 billion versus $136.84 billion estimated by two analysts on average.
- Total Card Member loans: $139.67 billion versus the two-analyst average estimate of $140.03 billion.
- Card billed business (Network volumes): $464 billion versus the two-analyst average estimate of $458.67 billion.
- Total Interest Income: $6.08 billion compared to the $6.19 billion average estimate based on five analysts.
- Total non-interest revenues: $13.14 billion versus the five-analyst average estimate of $13.07 billion.
- Net Interest Income: $4.04 billion compared to the $4.12 billion average estimate based on five analysts.
- Discount revenue: $9.18 billion compared to the $9.11 billion average estimate based on four analysts.
- Net card fees: $2.25 billion versus the four-analyst average estimate of $2.26 billion.
View all Key Company Metrics for American Express here>>>Shares of American Express have returned +7.2% over the past month versus the Zacks S&P 500 composite's +2.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.