Valued at a market cap of $237.8 billion, American Express Company (AXP) is a financial services company known for its charge cards, credit cards, and traveller’s cheques. The New York-based company offers payments and travel services to consumers, small businesses, and corporations. It is scheduled to announce its fiscal Q3 earnings for 2025 before the market opens on Friday, Oct. 17. Ahead of this event, analysts expect this credit services giant to report a profit of $3.93 per share, up 12.6% from $3.4 ...

公司业绩表现 - 过去五年总回报率达233% 显著超越标普500指数表现[1] 商业模式特点 - 主要面向高收入客户群体提供签账卡 要求持卡人每月全额还款[3] - 收入来源较少依赖利息支付 与同业模式存在差异[3] 收入结构分析 - 折扣收入来自全球1.6亿商户网点 第二季度达94亿美元[4] - 年费收入贡献显著 白金卡年费695美元 金卡年费325美元[5] - 第二季度仅信用卡年费收入就达25亿美元[5] - 折扣收入和年费收入合计占总收入比重达66%[5] 竞争优势 - 品牌定位高端 提供优质权益和奖励吸引高净值客户[4] - 直接受益于持卡人消费金额增长[4][6] - 高收入客户群体具备较强还款能力[6]