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Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Jeff Adelson | Morgan Stanley | 7 | 0% |
| Craig Maurer | FT Partners | 7 | 29% |
| Rick Shane | JPMorgan | 6 | 0% |
| Sanjay Sakhrani | KBW | 6 | 0% |
| Mark DeVries | Deutsche Bank | 6 | 0% |
| Don Fandetti | Wells Fargo | 6 | 0% |
| Erika Najarian | UBS | 6 | 50% |
| Mihir Bhatia | Bank of America | 6 | 17% |
| Chris Kennedy | William Blair | 5 | 0% |
| Ryan Nash | Goldman Sachs | 5 | 0% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Morgan Stanley | 1 | 7 | 0% |
| FT Partners | 1 | 7 | 29% |
| Wells Fargo | 1 | 6 | 0% |
| Deutsche Bank | 1 |
| 6 |
| 0% |
| KBW | 1 | 6 | 0% |
| Bank of America | 1 | 6 | 17% |
| JPMorgan | 1 | 6 | 0% |
| UBS | 1 | 6 | 50% |
American Express started FY2026 with Q1 EPS of $4.28 up 18%, delivering a +7.3pp EPS spread on 10.3% revenue growth. Record card member spending growth was driven by the U.S. Platinum refresh, premium customer acquisition momentum, and net card fee/NII strength. Management reaffirmed FY2026 guidance at 9-10% revenue growth and $17.30-$17.90 EPS, investing the Q1 upside back into marketing and technology. The most significant commercial product expansion ever was announced alongside advancing agentic commerce and AI capabilities.
Demand | Competitive Dynamics | Product Launch | Pricing | Subscriber Growth | Guidance Reliability | Innovation & R&D | Credit | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 6 | 6 | 2 | 3 | 2 | 3 | 1 | 1 |
| 2025Q1 | 2 | 1 | 3 | 1 | 1 | 1 | 2 | 2 |
| 2025Q2 | 2 | 7 | 5 | 3 | 1 | 2 | 1 | |
| 2025Q3 | 4 | 4 | 4 | 2 | 3 | 1 | 1 | |
| 2025Q4 | 3 | 3 | 3 | 1 | 1 | 1 | 2 | 2 |
| 2026Q1 | 6 | 1 | 3 | 1 | 2 | 1 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Demand | 6 | 2 | 2 | 4 | 3 | 6 |
| Competitive Dynamics | 6 | 1 | 7 | 4 | 3 | 1 |
| Product Launch | 2 | 3 | 5 | 4 | 3 | 3 |
| Pricing | 3 | 1 | 3 | 2 | 1 | |
| Subscriber Growth | 2 | 1 | 1 | 3 | 1 | 1 |
| Guidance Reliability | 3 | 1 | 2 | 1 | 1 | |
| Innovation & R&D | 1 | 2 | 1 | 2 | 2 | |
| Credit | 1 | 2 | 1 | 2 | 1 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
AXP American Express Company | 8 | +10.3% | |
| COF Capital One | 6 | +44.2% | |
| MA Mastercard | 8 | +15.8% | |
| PYPL PayPal | 5 | +7.2% | |
| SYF Synchrony Financial | 7 | +16.6% | |
| V Visa Inc. | 9 | +17.1% |