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American Express | 10-Q: Q3 2024 Earnings Report

American Express | 10-Q: Q3 2024 Earnings Report

美國運通 | 10-Q：2024財年三季報
美股SEC公告 ·  10/19 03:14

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American Express reported a 2% increase in Q3 net income to $2.51 billion, or $3.49 per share, compared to $2.45 billion, or $3.30 per share, a year ago. Total revenues net of interest expense grew 8% to $16.64 billion, driven by a 6% rise in billed business and 18% growth in net card fees. Discount revenue, the company's largest revenue line, increased 4%.Card Member loans and receivables rose 10% year-over-year, with growth moderating sequentially. Provisions for credit losses increased to $1.36 billion from $1.23 billion last year, primarily due to higher net write-offs. However, net write-off and delinquency rates remained best-in-class, supported by American Express's premium global customer base and risk management.Marketing expenses rose 19% as the company continued investing in customer acquisition and growth initiatives. American Express maintained its capital ratios within the 10-11% target range and returned $2.4 billion to shareholders through share repurchases and dividends. The company expressed confidence in its business model despite macroeconomic uncertainties.
American Express reported a 2% increase in Q3 net income to $2.51 billion, or $3.49 per share, compared to $2.45 billion, or $3.30 per share, a year ago. Total revenues net of interest expense grew 8% to $16.64 billion, driven by a 6% rise in billed business and 18% growth in net card fees. Discount revenue, the company's largest revenue line, increased 4%.Card Member loans and receivables rose 10% year-over-year, with growth moderating sequentially. Provisions for credit losses increased to $1.36 billion from $1.23 billion last year, primarily due to higher net write-offs. However, net write-off and delinquency rates remained best-in-class, supported by American Express's premium global customer base and risk management.Marketing expenses rose 19% as the company continued investing in customer acquisition and growth initiatives. American Express maintained its capital ratios within the 10-11% target range and returned $2.4 billion to shareholders through share repurchases and dividends. The company expressed confidence in its business model despite macroeconomic uncertainties.
美國運通公司報告稱，第三季度凈利潤同比增長2%，達25.1億美金，或每股3.49美金，去年爲24.5億美金，或每股3.30美金。扣除利息支出後的總營業收入增長了8%，達到166.4億美金，這主要得益於賬單業務增長6%和淨卡費增長18%。折扣收入是公司最大的收入項目，增長了4%。信用卡會員貸款和應收賬款較上年同期增長10%，但增長速度有所放緩。由於淨註銷金額增加，信用損失準備從去年的12.3億美金上升至13.6億美金。然而，淨註銷率和逾期率仍然是行業最佳，這得益於美國運通的優質全球客戶基礎和風險管理。由於公司繼續投資於客戶獲取和增長計劃，市場營銷費用增長了19%。美國運通保持其資本比率在10-11%的區間內，並通過回購股票和分紅派息向股東返還了24億美金。儘管存在宏觀經濟的不確定性，公司對其業務模式表示信心。
美國運通公司報告稱，第三季度凈利潤同比增長2%，達25.1億美金，或每股3.49美金，去年爲24.5億美金，或每股3.30美金。扣除利息支出後的總營業收入增長了8%，達到166.4億美金，這主要得益於賬單業務增長6%和淨卡費增長18%。折扣收入是公司最大的收入項目，增長了4%。信用卡會員貸款和應收賬款較上年同期增長10%，但增長速度有所放緩。由於淨註銷金額增加，信用損失準備從去年的12.3億美金上升至13.6億美金。然而，淨註銷率和逾期率仍然是行業最佳，這得益於美國運通的優質全球客戶基礎和風險管理。由於公司繼續投資於客戶獲取和增長計劃，市場營銷費用增長了19%。美國運通保持其資本比率在10-11%的區間內，並通過回購股票和分紅派息向股東返還了24億美金。儘管存在宏觀經濟的不確定性，公司對其業務模式表示信心。
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