For the year ending 2025-12-31, AXP has $300,052M in assets. $266,578M in debts.
| Balance Sheets | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and due from banks (includes restricted cash of consolidated variable interest entities 2025, nil 2024, 6) | 3,559 | 3,413 | 7,118 | 5,510 |
| Interest-bearing deposits in other banks | 43,491 | 37,006 | 39,312 | 28,097 |
| Short-term investment securities (includes restricted investments of consolidated variable interest entities 2025, 84 2024, 82) | 742 | 221 | 166 | 307 |
| Total cash and cash equivalents (includes restricted cash 2025, 169 2024, 427) | 47,792 | 40,640 | 46,596 | 33,914 |
| Consumer Borrower | 26,605 | 25,431 | 25,578 | 22,885 |
| Small Business Borrower | 19,558 | 18,619 | 19,286 | 19,629 |
| Corporate Borrower | 15,868 | 15,361 | 15,547 | 15,099 |
| Financing receivables, gross | 62,031 | 59,411 | 60,411 | 57,613 |
| Financing receivables, reserves for credit losses | 180 | 171 | 174 | 229 |
| Financing receivables, net-Card Member Receivables | 61,851 | 59,240 | 60,237 | 57,384 |
| Financing receivables, net-Cardmember Loans | 145,923 | 133,995 | 120,877 | 104,217 |
| Financing receivables held for sale-Cardmember Loans | 2,457 | 758 | - | - |
| Financing receivables, net-Other Loans | 10,605 | 9,038 | 6,960 | 5,357 |
| Estimated fair value-USStates And Political Subdivisions | 48 | 49 | 55 | 54 |
| Estimated fair value-USGovernment Agencies Debt Securities | 3 | 4 | 4 | 5 |
| Estimated fair value-USTreasury Securities | 138 | 287 | 1,206 | 3,786 |
| Estimated fair value-Mortgage Backed Securities Issued By USGovernment Sponsored Enterprises | 9 | 10 | 11 | 13 |
| Estimated fair value-Foreign Government Debt Securities | 717 | 765 | 770 | 632 |
| Estimated fair value-Debt Securities Other | 81 | 77 | 74 | 47 |
| Estimated fair value | 46 | 48 | 66 | 41 |
| Investment securities | 1,043 | 1,240 | 2,186 | 4,578 |
| Premises and equipment, less accumulated depreciation and amortization 2025, 12,039 2024, 10,739 | 6,118 | 5,371 | 5,138 | 5,215 |
| Goodwill | 4,872 | 4,187 | 3,851 | 3,786 |
| Right-of-use lease assets | 998 | 804 | - | - |
| Other intangible assets, at amortized cost | 90 | 123 | 98 | 146 |
| Other | 18,302 | 16,065 | 15,165 | 13,757 |
| Other assets, less reserves for credit losses 2025, 86 2024, 27 | 24,263 | 21,179 | 19,114 | 17,689 |
| Total assets | 300,052 | 271,461 | 261,108 | 228,354 |
| Customer deposits | 152,488 | 139,413 | 129,144 | 110,239 |
| Accounts payable | 14,700 | 13,884 | 13,109 | 12,133 |
| Short-term borrowings | 1,371 | 1,374 | 1,293 | 1,348 |
| Total | 56,626 | 50,271 | 48,411 | 43,415 |
| Unamortized underwriting fees | 135 | 96 | 93 | 84 |
| Unamortized discount and premium | 470 | 487 | 505 | 522 |
| Impacts due to fair value hedge accounting | 366 | 27 | 53 | -236 |
| Long-term debt (includes debt issued by consolidated variable interest entities 2025, 13,022 2024, 13,880) | 56,387 | 49,715 | 47,866 | 42,573 |
| Membership rewards liability | 16,520 | 14,752 | 13,742 | 12,789 |
| Deferred card and other fees, net | 4,655 | 4,042 | 3,442 | 3,027 |
| Book overdraft balances | 4,054 | 3,461 | 9,897 | - |
| Employee-related liabilities | 3,091 | 2,676 | 2,567 | 2,530 |
| Card member rebate and reward accruals | 2,247 | 2,121 | 2,061 | 2,126 |
| Income tax liability | 1,401 | 1,386 | 1,275 | 1,651 |
| Other | 9,664 | 8,373 | 8,655 | 15,227 |
| Other liabilities | 41,632 | 36,811 | 41,639 | 37,350 |
| Total liabilities | 266,578 | 241,197 | 233,051 | 203,643 |
| Preferred shares, 1.662/3 par value, authorized 20 million shares issued and outstanding 1,600 shares as of december 31, 2025 and 2024 (note 15) | 0 | 0 | 0 | 0 |
| Common shares, 0.20 par value, authorized 3.6 billion shares issued and outstanding 686 million shares as of december 31, 2025 and 702 million shares as of december 31, 2024 | 138 | 141 | 145 | 149 |
| Additional paid-in capital | 11,126 | 11,370 | 11,372 | 11,493 |
| Retained earnings | 25,487 | 22,148 | 19,612 | 16,279 |
| Accumulated other comprehensive income (loss) | -3,277 | -3,395 | -3,072 | -3,210 |
| Total shareholders equity | 33,474 | 30,264 | 28,057 | 24,711 |
| Total liabilities and shareholders equity | 300,052 | 271,461 | 261,108 | 228,354 |
AMERICAN EXPRESS CO (AXP)
AMERICAN EXPRESS CO (AXP)