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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Revenue
$19,637M
Net Income
$3,110M
Net Profit Margin
15.84%
EPS
$4.53
Unit: Million (M) dollars
Revenue Breakdown
USConsumer Services Segment
Commercial Services Segment
International Card Services Segm...
Global Merchant And Network Serv...
Revenue Breakdown
Credit Card Merchant Discount
Interest on card balances and ot...
Credit Card
Others
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Total revenues net of interest expense
19,637
18,907
18,980
18,426
Card Member Receivables
-
-
189
190
Cardmember Loans
-
-
1,042
1,030
Card Balances
1,017
1,187
-
-
Other Loans And Other Receivables
67
64
183
67
Total provisions for credit losses
1,084
1,251
1,414
1,287
Total revenues net of interest expense after provisions for credit losses
18,553
17,656
17,566
17,139
Card member rewards
5,051
4,891
4,805
4,608
Business development
1,755
1,591
1,728
1,611
Card member services
1,949
1,975
1,951
1,477
Marketing
1,650
1,480
1,612
1,599
Salaries and employee benefits
2,344
2,482
2,505
2,239
Other, net
1,733
1,459
1,875
1,780
Total expenses
14,482
13,878
14,476
13,314
Pretax income
4,071
3,778
3,090
3,825
Income tax provision
961
807
628
923
Net income
3,110
2,971
2,462
2,902
Basic EPS
4.54
4.29
3.573
4.14
Diluted EPS
4.53
4.28
3.568
4.14
Basic Average Shares
678,000,000
685,000,000
689,000,000
692,000,000
Diluted Average Shares
679,000,000
686,000,000
690,000,000
693,000,000
Page 1
Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
1
2
USConsumer Services
Segment
$9,524M
(11.35%↑ Y/Y)
Commercial Services
Segment
$4,503M
(6.91%↑ Y/Y)
International Card Services
Segment
$3,619M
(11.97%↑ Y/Y)
Global Merchant And
Network Services...
$2,096M
(8.43%↑ Y/Y)
Operating Segments
$19,742M
Total revenues net of
interest expense
$19,637M
(9.97%↑ Y/Y)
Corporate And
Eliminations
-$104M
(-40.54%↓ Y/Y)
Total revenues net of
interest expense after...
$18,553M
(12.78%↑ Y/Y)
Total provisions for
credit losses
$1,084M
(-22.85%↓ Y/Y)
Pretax income
$4,071M
(14.68%↑ Y/Y)
Total expenses
$14,482M
(12.25%↑ Y/Y)
Card Balances
$1,017M
Other Loans And Other
Receivables
$67M
(-21.18%↓ Y/Y)
Net income
$3,110M
(7.80%↑ Y/Y)
Income tax provision
$961M
(44.51%↑ Y/Y)
Card member rewards
$5,051M
(9.38%↑ Y/Y)
Salaries and employee
benefits
$2,344M
(8.92%↑ Y/Y)
Card member services
$1,949M
(49.81%↑ Y/Y)
Business development
$1,755M
(10.45%↑ Y/Y)
Other, net
$1,733M
(2.79%↑ Y/Y)
Marketing
$1,650M
(6.11%↑ Y/Y)
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