American Express Raises Full-Year Earnings Per Share Guidance
American Express Raises Full-Year Earnings Per Share Guidance
NEW YORK--(BUSINESS WIRE)-- American Express Company (NYSE: AXP) today reported second-quarter net income of $3.0 billion, or $4.15 per share, compared with net income of $2.2 billion, or $2.89 per share, a year ago. Second-quarter earnings per share included a $0.66 gain from the sale of Accertify, which closed during the quarter. Excluding the transaction gain, adjusted EPS was $3.49, up 21 percent from the prior year.
美国运通公司(NYSE:AXP)今天发布了第二季度净利润达30亿美元或每股收益4.15美元,而去年同期则是22亿美元或每股收益2.89美元。第二季度每股收益包括从Accertify的出售中获得的0.66美元的收益,并在本季度关闭。除去交易获利,调整后的每股收益为3.49美元,比去年同期增长了21%。
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Financial Highlight
财务亮点
Second-quarter consolidated total revenues net of interest expense were $16.3 billion, up 8 percent from $15.1 billion a year ago. The increase was primarily driven by higher net interest income, increased Card Member spending, and continued strong card fee growth.
Consolidated provisions for credit losses were $1.3 billion, compared with $1.2 billion a year ago. The increase reflected higher net write-offs, partially offset by a lower reserve build year-over-year.
Consolidated expenses were $11.3 billion, up 1 percent from $11.1 billion a year ago. The increase primarily reflected higher variable customer engagement costs driven by higher Card Member spending and usage of travel-related benefits, and increased marketing investments, offset by lower operating expenses primarily due to the previously-mentioned gain from the sale of Accertify.
The consolidated effective tax rate was 20.4 percent, compared to 20.5 percent a year ago, reflecting discrete tax benefits in both periods.
该公司第二季度经利息费用抵消后的总营收为163亿美元,比去年同期的151亿美元增加了8%。增长主要由于净利息收入增加、持卡会员的支出增加和持续强劲的卡费增长。
合并信用损失准备金为13亿美元,而去年同期为12亿美元。增加的反映了较高的净核销,部分抵消了逐年降低的储备金建立。
综合费用为113亿美元,比去年同期的111亿美元增加了1%。增长主要由于由持卡会员支出和旅行相关福利的使用导致的可变客户参与成本上升以及营销投资增加,但由于出售Accertify所获得的收益,经营费用低于了之前的水平。
合并实际税率为20.4%,而去年同期为20.5%,反映出两个时期的离散税收益。
2024 Guidance
2024年度指导原则
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