[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  LongYield [@LongYield](/creator/twitter/LongYield) on x 4489 followers Created: 2025-07-18 21:53:20 UTC $AXP American Express Company Earnings Call Key Highlights: (1/2) 📈 Revenue and Earnings Performance Q2 2025 revenues reached a record $XXXX billion, up X% year-over-year, driven by consistent Card Member spending and continued momentum across premium products. EPS stood at $4.08, up XX% year-over-year, excluding the prior-year gain from the Accertify sale, reflecting strong margin management and disciplined execution. Based on H1 performance, American Express reaffirmed full-year guidance of 8%–10% revenue growth and EPS in the range of $XX to $XXXXX. Net card fees grew XX% year-over-year on an FX-adjusted basis, reaching record levels as the company continued to expand its fee-paying customer base and product refresh strategy. 💳 Card Member Spend & Acquisition Trends Total Card Member spending increased X% YoY, consistent with Q1 trends, despite softness in airline and lodging categories; restaurant spending remained robust, up X% FX-adjusted. XXX million new cards were acquired in Q2, with XXX million in the U.S. consumer segment, supported by strong demand for premium offerings. Millennial spending rose XX% while Gen Z spending grew nearly 40%, albeit from a smaller base; international billed business increased XX% FX-adjusted. Transaction volumes rose 9%, a continuation of steady customer engagement trends across quarters. 🏦 Credit Quality & Lending Growth Loans and Card Member receivables increased X% year-over-year FX-adjusted, with premium products, especially Pay Over Time and co-brand portfolios, driving XX% of growth. Delinquency and net write-off rates remained low; delinquency rates for millennials and Gen Z were nearly XX% better than industry averages for older demographics. The quarter included a $XXX billion provision for credit losses, including a $XXX million reserve build tied to loan growth and a weaker macro outlook. Fed CCAR results highlighted AXP’s superior credit metrics, with the lowest projected credit card loss rate and highest return on assets (ROA) among peers. 🏗️ Product Strategy & Platinum Card Refresh A major refresh of U.S. Consumer and Business Platinum Cards is scheduled for fall 2025, continuing the playbook of adding differentiated value well above any fee adjustments. Past refreshes of the U.S. Gold, Delta, and Hilton cards resulted in over XX% revenue growth and a 60%+ increase in card fee revenues, with XX% spend retention post-refresh. The upcoming Platinum refresh aims to deepen value through expanded partner offers, simplified benefit utilization, and customer-centric pricing. Expected financial impact includes an immediate step-up in Card Member Services expense in Q4, with fee-related revenue recognized gradually over the following 12–24 months. 🤝 Partner Ecosystem & Customer Experience Strengthened by premier partnerships and exclusive experiences, including Resy, Tock, Centurion lounges, Delta lounges, luxury hotels, and curated entertainment and dining access. Continued expansion of lounge access includes innovative formats (e.g., Sidecar concept in Las Vegas) and larger venues to address growing Card Member demand. The differentiated service model and lifestyle-oriented brand remain core pillars of customer loyalty, especially among premium and younger demographics. Co-brand partnerships with Delta, Marriott, and Hilton continue to support customer acquisition and spending engagement despite modest slowdowns in travel.  XXX engagements  **Related Topics** [momentum](/topic/momentum) [quarterly earnings](/topic/quarterly-earnings) [$axp](/topic/$axp) [stocks financial services](/topic/stocks-financial-services) [Post Link](https://x.com/LongYield/status/1946327451614736535)
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LongYield @LongYield on x 4489 followers
Created: 2025-07-18 21:53:20 UTC
$AXP American Express Company Earnings Call Key Highlights: (1/2)
📈 Revenue and Earnings Performance
Q2 2025 revenues reached a record $XXXX billion, up X% year-over-year, driven by consistent Card Member spending and continued momentum across premium products.
EPS stood at $4.08, up XX% year-over-year, excluding the prior-year gain from the Accertify sale, reflecting strong margin management and disciplined execution.
Based on H1 performance, American Express reaffirmed full-year guidance of 8%–10% revenue growth and EPS in the range of $XX to $XXXXX.
Net card fees grew XX% year-over-year on an FX-adjusted basis, reaching record levels as the company continued to expand its fee-paying customer base and product refresh strategy.
💳 Card Member Spend & Acquisition Trends
Total Card Member spending increased X% YoY, consistent with Q1 trends, despite softness in airline and lodging categories; restaurant spending remained robust, up X% FX-adjusted.
XXX million new cards were acquired in Q2, with XXX million in the U.S. consumer segment, supported by strong demand for premium offerings.
Millennial spending rose XX% while Gen Z spending grew nearly 40%, albeit from a smaller base; international billed business increased XX% FX-adjusted.
Transaction volumes rose 9%, a continuation of steady customer engagement trends across quarters.
🏦 Credit Quality & Lending Growth
Loans and Card Member receivables increased X% year-over-year FX-adjusted, with premium products, especially Pay Over Time and co-brand portfolios, driving XX% of growth.
Delinquency and net write-off rates remained low; delinquency rates for millennials and Gen Z were nearly XX% better than industry averages for older demographics.
The quarter included a $XXX billion provision for credit losses, including a $XXX million reserve build tied to loan growth and a weaker macro outlook.
Fed CCAR results highlighted AXP’s superior credit metrics, with the lowest projected credit card loss rate and highest return on assets (ROA) among peers.
🏗️ Product Strategy & Platinum Card Refresh
A major refresh of U.S. Consumer and Business Platinum Cards is scheduled for fall 2025, continuing the playbook of adding differentiated value well above any fee adjustments.
Past refreshes of the U.S. Gold, Delta, and Hilton cards resulted in over XX% revenue growth and a 60%+ increase in card fee revenues, with XX% spend retention post-refresh.
The upcoming Platinum refresh aims to deepen value through expanded partner offers, simplified benefit utilization, and customer-centric pricing.
Expected financial impact includes an immediate step-up in Card Member Services expense in Q4, with fee-related revenue recognized gradually over the following 12–24 months.
🤝 Partner Ecosystem & Customer Experience
Strengthened by premier partnerships and exclusive experiences, including Resy, Tock, Centurion lounges, Delta lounges, luxury hotels, and curated entertainment and dining access.
Continued expansion of lounge access includes innovative formats (e.g., Sidecar concept in Las Vegas) and larger venues to address growing Card Member demand.
The differentiated service model and lifestyle-oriented brand remain core pillars of customer loyalty, especially among premium and younger demographics.
Co-brand partnerships with Delta, Marriott, and Hilton continue to support customer acquisition and spending engagement despite modest slowdowns in travel.
XXX engagements
Related Topics momentum quarterly earnings $axp stocks financial services