American Express shares fell Friday after the financial services firm reported fourth-quarter results mostly in line with analysts' expectations.

A Business Overview and Contemporary Focus. Founded in 1850, American Express operates as a global services company focused on providing card payment and travel

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AXP is likely to have witnessed a rise in network volumes during the fourth quarter, continuing the trend seen in the past quarters.

The credit card lender and network introduced guidance for 2025 EPS of $15.00-$15.50 (midpoint $15.25), compared with the consensus estimate of $15.22 and $13.35 reported in 2024 (excluding notable items). It expects 2025 revenue growth of 8%-10% from 2024's $65.9B, implying $71.2B-$72.5B ($71.6B consensus).

The company posted fourth-quarter revenue (net of interest expense) growth of 9% year-on-year to $17.18 billion, topping the analyst consensus estimate of $17.16 billion. The increase was primarily driven by strong Card Member spending, higher net interest income supported by growth in revolving loan balances, and accelerated card fee growth.

American Express saw a 15% increase in Q4 international corporate spending, leading to a 9% rise in overall revenue to $17.2 billion and a 12% rise in net income to $2.2 billion.