American Express Company (AXP) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:01.128 -- 00:00:03.552 Ladies and gentlemen, thank you for standing by. 00:00:03.552 -- 00:00:07.637 Welcome to the American Express Q4 2025 earnings 00:00:07.637 -- 00:00:12.204 call. At this time, all participants are on a listen only mode. 00:00:12.204 -- 00:00:15.369 Later, we will conduct a question and answer session. 00:00:15.369 -- 00:00:20.256 If you wish to ask a question, please press star then one on your touchtone phone. 00:00:20.256 -- 00:00:23.581 You will hear a tone indicating you have been placed in queue. 00:00:23.581 -- 00:00:28.533 You may remove yourself from the queue at any time by pressing star then two. 00:00:28.533 -- 00:00:33.220 If you're using a speakerphone, please pick up the handset before pressing the numbers. 00:00:33.220 -- 00:00:37.706 Should you require assistance during the call, please press star, then zero. 00:00:37.706 -- 00:00:40.750 As a reminder, today's call is being recorded. 00:00:40.750 -- 00:00:44.435 I would now like to turn the conference over to our host, Head of Investor Relations, 00:00:44.435 -- 00:00:47.560 Mr. Kartik Ramachandran. Thank you. Please go ahead. 00:00:47.560 -- 00:00:51.726 Thank you, Donna, and thank you all for joining today's call. 00:00:51.726 -- 00:00:56.377 As a reminder, before we begin, Today's discussion contains forward-looking statements 00:00:56.377 -- 00:00:59.622 about the company's future business and financial performance. 00:00:59.622 -- 00:01:04.909 These are based on management's current expectations and are subject to risks and uncertainties. 00:01:04.909 -- 00:01:08.815 Factors that could cause actual results to differ materially from these statements are 00:01:08.815 -- 00:01:14.724 included in today's presentation slides and in our reports on file with the SEC. ...