AmEx Set to Report Q4 Earnings: Key Metrics Investors Should Track

American Express Company AXP is set to report fourth-quarter 2025 results on Jan. 30, 2026, before the opening bell. The Zacks Consensus Estimate for the to-be-reported quarter’s earnings is currently pegged at $3.55 per share, and the same for revenues is pinned at $18.82 billion.The fourth-quarter earnings estimate witnessed one upward revision over the past month against two downward movements. Nevertheless, the bottom-line prediction indicates a year-over-year increase of 16.8%. The Zacks Consensus Estimate for quarterly revenues implies year-over-year growth of 9.6%. Image Source: Zacks Investment ResearchFor the full-year 2025, the Zacks Consensus Estimate for AmEx’s revenues is pegged at $72.06 billion, implying a rise of 9.3% year over year. Meanwhile, the consensus mark for the full year EPS is pegged at $15.40, implying growth of 15.4% on a year-over-year basis.AmExbeat the consensus estimate in each of the last four quarters, with the average surprise being 4%.American Express Company Price and EPS Surprise American Express Company price-eps-surprise | American Express Company QuoteQ4 Earnings Whispers for AmExHowever, our proven model does not conclusively predict an earnings beat for the company this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the odds of an earnings beat. That is not the case here.AXP has an Earnings ESP of -0.97% and a Zacks Rank #3. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.What Is Shaping AmEx’s Q4 Results?American Express is expected to have witnessed a rise in network volumes during the fourth quarter, continuing the trend. This uptick is likely attributable to the resilient consumer spending of AXP’s premium customer base, which is less impacted by economic volatilities. The Zacks Consensus Estimate for fourth-quarter total network volumes indicates 8.3% year-over-year growth from $464 billion.Discount revenues, a key source of revenues for AmEx, are likely to have benefited from rising network volumes. The Zacks Consensus Estimate for fourth-quarter Discount revenues indicates 7.1% year-over-year growth. Billed businesses in U.S. Consumer Services and Commercial Services are expected to witness growth of 7.4% and 3% year over year, respectively.Cards-in-force are likely to have witnessed an uptick in the quarter under review due to expanding product offerings and enhancing mobile platforms, which improve the customer experience. The Zacks Consensus Estimate for fourth-quarter total cards-in-force indicates 4.7% year-over-year growth. The consensus estimate for Average Card Member loans also implies an 8% year-over-year increase.AmEx’s interest income, another major revenue contributor, is likely to have risen on higher loan receivables. The Zacks Consensus Estimate for AXP’s net interest income implies an upside of 11.7% from the year-ago reported figure.The factors mentioned above are expected to have positioned American Express for year-over-year growth in the fourth quarter. However, an increase in customer engagement and operating costsis likely to have partially offset the positive impacts.Fourth-quarter client engagement costs are likely to have increased due to expanding Card Member spending and higher usage of travel and lifestyle-related benefits. Also, the Zacks Consensus Estimate for pre-tax income from Commercial Services indicates a 6.9% decline from a year ago.Stocks That Warrant a LookWhile an earnings beat looks uncertain for AmEx, here are some companies from the broader Finance space that you may want to consider, as our model shows that these have the right combination of elements to post an earnings beat this time around:Credicorp Ltd. BAP has an Earnings ESP of +3.41% and a Zacks Rank #2. You can see the complete list of today’s Zacks #1 Rank stocks here.The Zacks Consensus Estimate for Credicorp’s bottom line for the to-be-reported quarter is pegged at $6.55 per share, which remained stable over the past week and indicates 74.2% year-over-year growth. The consensus estimate for Credicorp’s revenues is pegged at $1.79 billion, a 26.7% increase from a year ago.Cboe Global Markets, Inc. CBOE has an Earnings ESP of +9.25% and a Zacks Rank of 2.The Zacks Consensus Estimate for Cboe Global’s bottom line for the to-be-reported quarter is pegged at $2.69 per share, a 28.1% jump from a year ago. The consensus estimate for Cboe Global’s revenues is pegged at $621.63 million, an 18.5% year-over-year jump.Ameriprise Financial, Inc. AMP has an Earnings ESP of +1.87% and a Zacks Rank of 3.The Zacks Consensus Estimate for Ameriprise Financial’s bottom line for the to-be-reported quarter is pegged at $10.29 per share, which indicates 9.9% year-over-year growth. The consensus estimate for Ameriprise Financial’s revenues is pegged at $4.71 billion, a 5.5% increase from a year ago.Quantum Computing Stocks Set To SoarArtificial intelligence has already reshaped the investment landscape, and its convergence with quantum computing could lead to the most significant wealth-building opportunities of our time.Today, you have a chance to position your portfolio at the forefront of this technological revolution. In our urgent special report, Beyond AI: The Quantum Leap in Computing Power, you'll discover the little-known stocks we believe will win the quantum computing race and deliver massive gains to early investors.Access the Report Free Now >>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 Report Ameriprise Financial, Inc. (AMP): Free Stock Analysis Report Cboe Global Markets, Inc. (CBOE): Free Stock Analysis Report Credicorp Ltd. (BAP): 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