American Express Company (AXP) Q2 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.034 indicating that you have been placed in queue. 00:00:03.034 -- 00:00:07.018 You may remove yourself from the queue at any time by pressing star, then two. 00:00:07.018 -- 00:00:12.183 If you are using a speakerphone, please pick up the handset before pressing the numbers. 00:00:12.183 -- 00:00:16.947 Should you require assistance during the call, please press star, then zero. 00:00:16.947 -- 00:00:19.930 As a reminder, today's call is being recorded. 00:00:19.930 -- 00:00:23.534 I would now like to turn the conference over to our host, Head of Investor Relations, 00:00:23.534 -- 00:00:27.418 Mr. Kartik Ramachandran. Thank you. Please go ahead. 00:00:27.418 -- 00:00:30.372 Thank you, Donna. And thank you all for joining today's call. 00:00:30.372 -- 00:00:34.838 As a reminder before we begin, today's discussion contains forward-looking statements 00:00:34.838 -- 00:00:38.764 about the company's future business and financial performance. 00:00:38.764 -- 00:00:43.711 These are based on management's current expectations and are subject to risks and uncertainties. 00:00:43.711 -- 00:00:47.557 Factors that could cause actual results to differ materially from these statements are 00:00:47.557 -- 00:00:53.345 included in today's presentation slides and in our reports on file with the SEC. 00:00:53.345 -- 00:00:57.068 The discussion today also contains non-GAAP financial measures. 00:00:57.068 -- 00:01:02.194 The comparable GAAP financial measures are included in this quarter's earnings materials, 00:01:02.194 -- 00:01:06.219 as well as the earnings materials for the prior periods we discuss. 00:01:06.219 -- 00:01:11.002 All of these are posted on our website at ir.americanexpress.com. 00:01:11.965 -- 00:01:16.470 We'll begin today with Ste...