American Express Company Financial Statements FY2024-FY2026Q3

American Express Company (AXP) Financial Statements in Beancount — Open Ledger

American Express' income statement and balance sheet, FY2024 through FY2026Q3, as a public, auditable plain-text Beancount ledger — reconstructed line by line from the company's own Form 10-K and 10-Q filings and version-controlled in git. Part of the Open Ledger project on beancount.io.

Browse it live: beancount.io/ledger/open_ledger/american-express

Latest analysis: American Express Q3 2026 Earnings: Record $20.1B Revenue and the $982M GBTG Gain

Key Figures

Amounts in MUSD (millions of US dollars), exactly as the ledger records them.

What's Inside

Fiscal years end December 31. All figures sourced from American Express Company SEC filings (Form 10-K annual reports and the Q3 2026 Form 10-Q, EDGAR CIK 4962), reported in $ millions. The filing presents an unclassified balance sheet, so Current / NonCurrent here are the house hierarchy; from Q1 2026 Card Member receivables and Card Member loans are presented combined as Card balances, which is why FY2026Q3 asserts no separate receivables line. The company reports no noncontrolling interests, so net income needs no attribution split.

Quick Start

uvx --from beancount bean-check main.bean
uvx --from beanquery bean-query main.bean \
  "SELECT year, sum(position) WHERE account ~ '^Income:Revenue' GROUP BY year ORDER BY year"

Zero output from bean-check means the ledger is internally consistent: every
income statement sums to zero and every balance-sheet snapshot reconciles to
the filed totals. The query prints revenue by calendar year; income is a
credit, so it shows as a negative number. Open main.bean in Fava
or import it into beancount.io to explore it visually.

Methodology

• Balance sheet — pad / balance directives assert each period-end
  figure against the filing named in that period file's source banner.
• Income statement — one zero-sum transaction per period: Income
  negative (credit), Expenses positive (debit), with the arithmetic check in
  a comment directly above it.
• Unit — MUSD; 20,062 MUSD means 20,062 million US dollars.
• Additional accounts — Assets:Current:HeldForSale,
  Assets:NonCurrent:InvestmentSecurities, Assets:NonCurrent:Loans,
  Liabilities:Current:Deposits, Expenses:OperatingExpenses, opened beyond
  the standard chart (see each account's open line in main.bean).
• Revenue is total revenues net of interest expense — non-interest
  revenues plus net interest income in a single Income:Revenue posting, with
  the split in each period's comments; interest expense is already netted, so
  no separate interest-expense line is posted.
• Provisions for credit losses sit on Expenses:CostOfRevenue;
  total operating expenses sit on Expenses:OperatingExpenses, with the
  quantified one-offs isolated as their own postings: the FY2024 Accertify
  sale gain ($531M), and in FY2026Q3 the GBTG sale gain ($982M) paired with
  the $336M restructuring charge the earnings release adjusts for.
• Residual buckets — Assets:NonCurrent:Other holds Other loans plus
  Other assets, with both components named in each period's comments.

Analysis

• American Express Q3 2026 Earnings: Record $20.1B Revenue and the $982M GBTG Gain — FY2026Q3

Corrections

Found a figure that does not match the filing? Email
[email protected] with the period, the account
and the filing page. Corrections are committed with the source cited.

About Open Ledger

Open Ledger is a growing library of public-company financial statements
published as plain-text accounting at
beancount.io/ledger — git-versioned, diffable
across companies, and auditable against primary filings. Read the analysis
behind the numbers on the beancount.io blog.

Disclaimer

This ledger is an independent reconstruction of American Express Company's publicly filed
financial statements, provided for educational and informational purposes
only. It is not investment, financial, legal, tax, or accounting advice, and
is not an offer or recommendation to buy or sell any security. Beancount.io is
not affiliated with, endorsed by, or sponsored by American Express Company; all trademarks
belong to their respective owners. Figures may contain errors, omissions, or
simplifications and may lag the latest filings — the company's own regulatory
filings are the authoritative source. Provided "as is" without warranty of any
kind; use at your own risk.