Revenue
Cost
Profit
| Item | Category | Value | YoY |
|---|---|---|---|
| Total revenues net of interest expense | revenue | 18.91B | 11.43% |
| Total revenues net of interest expense after provisions for credit losses | revenue | 17.66B | 11.63% |
| Total provisions for credit losses | cost | 1.25B | 8.78% |
| Pretax income | profit | 3.78B | 13.45% |
| Total expenses | cost | 13.88B | 11.14% |
| Net income | profit | 2.97B | 14.98% |
| Income tax provision | cost | 807.00M | 8.18% |
| Card member rewards | cost | 4.89B | 11.72% |
| Labor and related expense | cost | 2.48B | 17.08% |
| Card member services | cost | 1.98B | 48.72% |
| Business development | cost | 1.59B | 4.05% |
| Marketing | cost | 1.48B | -0.40% |
| Other, net | cost | 1.46B | -11.36% |
| Segment | Value | YoY |
|---|---|---|
| U.S. Consumer Services | 9.12B | 10.60% |
| Commercial Services | 4.32B | 7.09% |
| International Card Services | 3.53B | 20.30% |
| Global Merchant and Network Services | 2.00B | 10.41% |
| Item | Category | Value | YoY |
|---|---|---|---|
| Interest-bearing deposits in banks and other financial institutions | assets | 50.28B | |
| Cash and due from banks | assets | 3.19B | |
| Short-term investment securities (includes restricted investments of consolidated variable interest entities: 2026, $85; 2025, $84) | assets | 290.00M | |
| Total cash and cash equivalents (includes restricted cash: 2026, $199; 2025, $169) | assets | 53.76B | |
| Financing receivables, net | assets | 207.25B | |
| Other assets | assets | 25.01B | |
| Property, plant and equipment, net | assets | 7.24B | |
| Total estimated fair value | assets | 2.62B | |
| Financing receivables held for sale | assets | 2.48B | |
| Total assets | assets | 308.89B | |
| Total liabilities | liabilities | 274.90B | |
| Total shareholders’ equity | equity | 33.99B | |
| Accumulated other comprehensive income (loss) | equity | 3.31B | |
| Total customer deposits | liabilities | 157.95B | |
| Long-term debt | liabilities | 58.75B | |
| Other liabilities | liabilities | 41.87B | |
| Accounts payable | liabilities | 14.63B | |
| Short-term debt | liabilities | 1.69B | |
| Aggregate | equity | 37.31B | |
| Retained earnings (accumulated deficit) | equity | 26.09B | |
| Additional paid in capital | equity | 11.08B | |
| Common stock, value, issued | equity | 137.00M |
| Item | Value |
|---|---|
| Net income | 2.97B |
| Total provisions for credit losses | 1.25B |
| Increase (decrease) in accounts payable and other operating liabilities | 476.00M |
| Depreciation, amortization and accretion, net | 468.00M |
| Share-based payment arrangement, noncash expense | 203.00M |
| Deferred taxes | 145.00M |
| Payment for origination and purchase, loan, held-for-sale | -42.00M |
| Other noncash income (expense) | -282.00M |
| Increase (decrease) in other operating assets | -1.39B |
| Item | Value |
|---|---|
| Payments for (proceeds from) loans receivable | 512.00M |
| Proceeds from maturities, prepayments and calls of debt securities, available-for-sale | 233.00M |
| Sale of investments | 8.00M |
| Payments to acquire businesses, net of cash acquired | -498.00M |
| Payments to acquire property, plant, and equipment | -1.15B |
| Payments to acquire investments | -1.98B |
| Item | Value |
|---|---|
| Increase (decrease) in deposits | 5.38B |
| Proceeds from long-term debt | 3.50B |
| Proceeds from (repayments of) short-term debt | 110.00M |
| Proceeds from issuance of common stock | 7.00M |
| Payments of dividends | -583.00M |
| Repayments of long-term debt | -1.52B |
| Payments for repurchase of common stock | -1.91B |
| Item | Value |
|---|---|
| Cash and cash equivalents, beginning of period | 47.79B |
| Cash and cash equivalents, end of period | 53.76B |
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