KPIs & Operating Metrics(New)

American Express (AXP) Change in Net Loans (2016 - 2025)

American Express (AXP) has disclosed Change in Net Loans for 16 consecutive years, with $9.4 billion as the latest value for Q4 2025.

  • Quarterly Change in Net Loans fell 17.26% to $9.4 billion in Q4 2025 from the year-ago period, while the trailing twelve-month figure was $19.6 billion through Dec 2025, down 15.85% year-over-year, with the annual reading at $19.6 billion for FY2025, 15.85% down from the prior year.
  • Change in Net Loans hit $9.4 billion in Q4 2025 for American Express, up from $5.7 billion in the prior quarter.
  • In the past five years, Change in Net Loans ranged from a high of $17.8 billion in Q4 2021 to a low of -$4.9 billion in Q1 2021.
  • Historically, Change in Net Loans has averaged $6.3 billion across 5 years, with a median of $6.4 billion in 2023.
  • Biggest five-year swings in Change in Net Loans: surged 231.72% in 2021 and later plummeted 131.81% in 2025.
  • Year by year, Change in Net Loans stood at $17.8 billion in 2021, then plummeted by 42.98% to $10.1 billion in 2022, then decreased by 4.63% to $9.7 billion in 2023, then rose by 17.1% to $11.3 billion in 2024, then dropped by 17.26% to $9.4 billion in 2025.
  • Business Quant data shows Change in Net Loans for AXP at $9.4 billion in Q4 2025, $5.7 billion in Q3 2025, and $5.3 billion in Q2 2025.