American Express recently released its Q4 2026 earnings report, highlighting notable developments for the renowned financial services company. Despite a slight miss on earnings per share (EPS), the revenue growth showcased resilience, attracting investor attention.
American Express Q4 2026 Highlights
For the fourth quarter of 2026, American Express reported an EPS of $3.53, narrowly missing analyst estimates of $3.54 per share. However, the company’s revenue grew 10% year-over-year, reaching $18.98 billion, surpassing Wall Street expectations of $18.92 billion.
Card member spending increased by 9% in Q4, accompanied by double-digit growth in net card fee revenues, driven by strong demand for premium Platinum and Gold card offerings. Revenue net of interest expenses rose, fueled by higher card spending, increased card fees, and elevated net interest income from revolving loan balances.
2026 Financial Outlook and Dividend Boost
Looking ahead, American Express projects revenue growth of 9-10% for 2026, in line with its performance in 2025. The company forecasts EPS for 2026 to land between $17.30 and $17.90, slightly surpassing analyst estimates at the midpoint forecast.
Additionally, starting Q1 2026, American Express announced a 16% dividend increase, raising their quarterly payout to $0.95 per share. This move reinforces the company’s commitment to delivering value to its shareholders.
The Market Reaction
Following the announcement, American Express shares experienced a dip, with a 2.8% drop in premarket trading. This reaction reflects investor concerns surrounding the slight underperformance in EPS and market uncertainties, including proposed regulatory changes to cap interest rates at 10% under President Donald Trump’s policy discussions.
Despite these challenges, American Express remains steadfast in its strategy, targeting high-income consumers willing to pay premium fees for its robust perks and rewards. It continuously emphasizes customer value through enhancements in card benefits and services.
Want Premium Benefits? Try the Platinum Card
If you’re looking to enjoy luxury travel perks, exclusive event access, and rewards tailored to your lifestyle, consider the American Express Platinum Card. Designed for high-spending individuals, it offers a world-class experience for its members.
Final Thoughts
American Express faces a competitive financial landscape but continues to demonstrate robust growth and adaptability. With its focus on premium offerings and customer engagement, it’s positioning itself for long-term success. Investors and customers alike can expect the company to maintain its pursuit of growth opportunities while delivering value in the years to come.
