American Express Company (AXP) Q3 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:04.315 listen-only mode. Later, we will conduct a question and answer session. 00:00:04.315 -- 00:00:09.119 If you wish to ask a question, please press star, then one on your touchtone phone. 00:00:09.119 -- 00:00:12.522 You will hear a tone indicating you have been placed in queue. 00:00:12.522 -- 00:00:16.386 You may remove yourself from the queue at any time by pressing star, then two. 00:00:16.386 -- 00:00:21.511 If you're using a speakerphone, please pick up the handset before pressing the numbers. 00:00:21.511 -- 00:00:25.935 Should you require assistance during the call, please press star, then zero. 00:00:25.935 -- 00:00:28.735 As a reminder, today's call is being recorded. 00:00:28.735 -- 00:00:32.799 I would now like to turn the conference over to our host, Head of Investor Relations, 00:00:32.799 -- 00:00:36.182 Mr. Kartik Ramachandran. Please go ahead. 00:00:36.182 -- 00:00:38.885 Thank you, Daryl, and thank you all for joining today's call. 00:00:38.885 -- 00:00:43.229 As a reminder, before we begin, today's discussion contains forward-looking statements 00:00:43.229 -- 00:00:46.752 about the company's future business and financial performance. 00:00:46.752 -- 00:00:51.877 These are based on management's current expectations and are subject to risks and uncertainties. 00:00:51.877 -- 00:00:56.282 Factors that could cause actual results to differ materially from these statements are 00:00:56.282 -- 00:01:02.229 included in today's presentation slides and in our reports on file with the SEC. 00:01:02.229 -- 00:01:06.173 The discussion today also contains non-GAAP financial measures. 00:01:06.173 -- 00:01:11.158 The comparable GAAP financial measures are included in this quarter's earnings materials, 00:01:11.158 -- 00:01:15.243...