AMERICAN EXPRESS CO 8-K

What Happened
American Express Company (AXP) reported its financial results for the full year and fourth quarter of 2025 in an 8‑K filed January 30, 2026. The company attached its earnings release (Exhibit 99.1) and additional supplemental financial information (Exhibit 99.2). Management also provided 2026 guidance and a long‑term growth aspiration; the filing includes a standard cautionary note that these forward‑looking statements are subject to risks and uncertainties.

Key Details

• Filing date: January 30, 2026; reported results cover full year and Q4 2025.
• Exhibits: Earnings release (Exhibit 99.1) and supplemental financial information (Exhibit 99.2) are included with the 8‑K.
• Management commentary: Includes 2026 EPS and revenue guidance and long‑term growth aspirations (no specific financials were provided in the 8‑K text itself).
• Forward‑looking risks: The filing reiterates many risk factors that could affect outcomes, including macroeconomic and geopolitical conditions, credit performance, interest rates, regulatory and legal developments, competition, technology/cybersecurity and operational risks.

Why It Matters
This 8‑K is the company’s official release of its quarterly and annual results and the vehicle for management’s 2026 guidance — information that investors and analysts use to update earnings models, valuation and expectations for dividends or buybacks. The attached exhibits contain the detailed numbers and supplemental data; the filing’s broad forward‑looking disclosure warns that guidance is subject to many material risks (economic conditions, credit trends, regulation, competition, cyber incidents, etc.), so investors should review the exhibits and company disclosures before making decisions.