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Compared to Estimates, American Express (AXP) Q2 Earnings: A Look at Key Metrics
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American Express (AXP - Free Report) reported $17.86 billion in revenue for the quarter ended June 2025, representing a year-over-year increase of 9.3%. EPS of $4.08 for the same period compares to $3.49 a year ago.
The reported revenue represents a surprise of +0.95% over the Zacks Consensus Estimate of $17.69 billion. With the consensus EPS estimate being $3.86, the EPS surprise was +5.7%.
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: $44.16 versus $44.84 estimated by three analysts on average.
Risk-Based Capital Ratios - Basel III - Common Equity Tier 1/Risk Weighted Assets: 10.6% versus 10.5% estimated by two analysts on average.
Commercial Services - Card Member loans - Total loans: $30.14 billion versus $32.53 billion estimated by two analysts on average.
Commercial Services - Card Member loans - Average loans: $31.25 billion compared to the $31.83 billion average estimate based on two analysts.
International Card Services - Card Member loans - consumer and small business - Average loans: $18.82 billion compared to the $17.98 billion average estimate based on two analysts.
International Card Services - Card Member loans - consumer and small business - Total loans: $19.51 billion versus the two-analyst average estimate of $18.50 billion.
U.S. Consumer Services - Card Member loans - Total loans: $92.62 billion versus $92.66 billion estimated by two analysts on average.
Network volumes: $472.00 billion versus $465.80 billion estimated by two analysts on average.
Card Member loans - Average loans: $141.41 billion versus $141.10 billion estimated by two analysts on average.
Total Card Member loans: $142.28 billion compared to the $143.69 billion average estimate based on two analysts.
U.S. Consumer Services - Card Member loans - Average loans: $91.34 billion versus $91.30 billion estimated by two analysts on average.
Total non-interest revenues: $13.67 billion versus $13.4 billion estimated by six analysts on average.
Shares of American Express have returned +6.4% over the past month versus the Zacks S&P 500 composite's +5.4% 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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Compared to Estimates, American Express (AXP) Q2 Earnings: A Look at Key Metrics
American Express (AXP - Free Report) reported $17.86 billion in revenue for the quarter ended June 2025, representing a year-over-year increase of 9.3%. EPS of $4.08 for the same period compares to $3.49 a year ago.
The reported revenue represents a surprise of +0.95% over the Zacks Consensus Estimate of $17.69 billion. With the consensus EPS estimate being $3.86, the EPS surprise was +5.7%.
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:View all Key Company Metrics for American Express here>>>
Shares of American Express have returned +6.4% over the past month versus the Zacks S&P 500 composite's +5.4% 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.