American Express (AXP) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

American Express (AXP) reported $18.98 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 10.5%. EPS of $3.53 for the same period compares to $3.04 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $18.82 billion, representing a surprise of +0.84%. The company delivered an EPS surprise of -0.28%, with the consensus EPS estimate being $3.54.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.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:Total Card Member loans: $151.83 billion versus $151.12 billion estimated by two analysts on average.Risk-Based Capital Ratios - Basel III - Common Equity Tier 1/Risk Weighted Assets: 10.5% versus the two-analyst average estimate of 10.4%.Commercial Services - Card Member loans - Total loans: $30.83 billion compared to the $30.60 billion average estimate based on two analysts.International Card Services - Card Member loans - consumer and small business - Total loans: $20.83 billion compared to the $19.79 billion average estimate based on two analysts.Network volumes: $506.20 billion versus the two-analyst average estimate of $502.57 billion.Book value per common share: $46.45 compared to the $46.17 average estimate based on two analysts.U.S. Consumer Services - Card Member loans - Total loans: $100.17 billion versus the two-analyst average estimate of $100.73 billion.Total non-interest revenues: $14.46 billion versus $14.33 billion estimated by five analysts on average.Net Interest Income: $4.52 billion versus the five-analyst average estimate of $4.51 billion.Non-interest revenues- Discount revenue: $9.88 billion versus $9.83 billion estimated by three analysts on average.Non-interest revenues- Net card fees: $2.63 billion compared to the $2.63 billion average estimate based on three analysts.Non-interest revenues- Service fees and other revenue: $1.95 billion compared to the $1.89 billion average estimate based on three analysts.View all Key Company Metrics for American Express here>>>Shares of American Express have returned -3.1% over the past month versus the Zacks S&P 500 composite's +0.9% 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.5 Stocks Set to DoubleEach was handpicked by a Zacks expert as the favorite stock to gain +100% or more in the months ahead. They includeStock #1: A Disruptive Force with Notable Growth and ResilienceStock #2: Bullish Signs Signaling to Buy the DipStock #3: One of the Most Compelling Investments in the MarketStock #4: Leader In a Red-Hot Industry Poised for GrowthStock #5: Modern Omni-Channel Platform Coiled to SpringMost of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor. While not all picks can be winners, previous recommendations have soared +171%, +209% and +232%.See Our Newest 5 Stocks Set to Double Picks >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report American Express Company (AXP): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks