美国运通三季度营收201亿美元创纪录富裕客群刷卡不手软、全年指引上调
纽约——美国运通（American Express）10 月 23 日公布 2026 年第三季度财报：营收 201 亿美元，同比增长 9%，创单季纪录；净利润 37 亿美元，同比大增 28%。财报显示，公司当季稀释后每股收益（GAAP）5.42 美元，同比跃升 31%；调整后每股收益 4.68 美元，同比增长 13%，高于去年同期的 4.14 美元。衡量全部运通卡消费总额的"总刷卡额"（billed business）同比增长 8%，达到 4,540 亿美元。
信用质量保持稳健：当季信用损失拨备 10 亿美元，低于去年同期的 13 亿美元。首席执行官施恺睿（Stephen Squeri）在声明中表示："业务动能持续，刷卡额、新获客与持卡人留存表现强劲，信用质量优异。"公司同时上调 2026 年全年盈利指引：GAAP 每股收益预期区间上调至 18.30–18.60美元，此前为 17.30–17.90 美元。
路透社指出，运通专注于高信用评分、高可支配收入客群，使其在整体经济不确定性中构筑起护城河；本月早些时候公布财报的美国大行高管们同样强调了各收入阶层消费的韧性。财报公布后，运通股价盘前略跌。（GSM 据公司官方新闻稿、路透社综合）
来源：GSM·美国
American Express Posts Record Q3 Revenue of $20.1 Billion, Raises Full-Year Profit Forecast as Affluent Spending Holds Up
NEW YORK — American Express reported third-quarter 2026 results on October 23: revenue of $20.1 billion, up 9% year on year and a quarterly record, with net income jumping 28% to $3.7 billion. Diluted earnings per share (GAAP) surged 31% to $5.42, while adjusted EPS climbed 13% to $4.68 from $4.14 a year earlier. Billed business — total spending across all AmEx-issued cards — rose 8% to $454 billion.
Credit quality stayed solid, with consolidated provisions for credit losses of $1 billion, down from $1.3 billion in the year-ago quarter. "Business momentum continues, with strength in billings, new acquisitions and Card Member retention, and excellent credit quality," CEO Stephen Squeri said in a statement. The company raised its full-year 2026 profit forecast to GAAP EPS of $18.30–$18.60, up from $17.30–$17.90 previously.
Reuters noted that AmEx's focus on affluent customers with high credit scores has built a moat against broader economic uncertainty; executives at major U.S. banks reporting earlier this month likewise highlighted consumer resilience across income brackets. AmEx shares edged lower in premarket trading after the release.
(GSM, from the company's official release and Reuters)
Source: GSM · America
来源：GSM·美国（原文链接）
图片来源：美国运通总部所在的纽约世贸中心三号楼（资料图）。照片：Aude，CC BY-SA 2.5，经 Wikimedia Commons。 / File photo. Photo: Aude, CC BY-SA 2.5, via Wikimedia Commons.
