American Express : April Fixed Income Presentation

Published: 2025-04-25 19:47:17 ET AXP

American Express Company

Fixed Income Investor Presentation

APRIL 2025

Company Overview

Our differentiated business model provides competitive advantages

Lifestyle

Premium

Brand

Service

Membership

& Business-

Customer

Strength

Excellence

Model

Centric Assets

Base at Scale

Talented & Dedicated Colleagues

Card Members

Merchants

Data

Technology

Analytics

3

We continued to see strong momentum in Q1 2025

Q1 2025 Financial Performance

$17.0B

TOTAL REVENUE

YoY Growth: 7% / 8%

Reported / FX-Adjusted*

$2.6B

NET INCOME

148M

CARDS-IN-FORCE

$1.3B

TOTAL CAPITAL RETURNED TO SHAREHOLDERS

$387B

WORLDWIDE

BILLED BUSINESS

YoY Growth: 6%

$3.64

EPS**

YoY Growth: 9%

shareholders. Represents net income less earnings allocated to participating share awards and dividends on preferred shares.

Billed business (Card Member spending) represents transaction volumes (including cash advances) on payment products issued by American Express.

4

Financial Performance

Disclaimer

American Express Company published this content on April 25, 2025, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on April 25, 2025 at 23:46 UTC.