Presentation Operator A great ladies and gentlemen thank you for standing-by. Welcome to the American Express Q4 2024 Earnings Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session.

The credit card lender and network introduced guidance for 2025 EPS of $15.00-$15.50 (midpoint $15.25), compared with the consensus estimate of $15.22 and $13.35 reported in 2024 (excluding notable items). It expects 2025 revenue growth of 8%-10% from 2024's $65.9B, implying $71.2B-$72.5B ($71.6B consensus).

American Express (NYSE: AXP) stock blew past the S&P 500 in 2024, ending the year up 58%. American Express has a differentiated credit card network. It's actually the smallest of the three, by far, in card members,

American Express shares fell about 3% Friday after the company reported earnings and gave an outlook that disappointed some investors. The credit card company logged net income of $2.17 billion, or $3.

American Express Company (NYSE:AXP) shares soared to an all-time high this week, reaching a remarkable price level of $324.17. With a robust market capitalization of $227 billion and an overall "GREAT" financial health score according to InvestingPro,