American Express (AXP): FY25 Q3 earnings call, Oct 17, 2025

On its Oct 17, 2025 earnings call (FY25 Q3), American Express said 5 of the 11 words Kalshi listed; Parrot’s count agreed with all 11 settlements. Quotes below are at most 25 words each.

Updated

Markets

11 words · 5 settled yes · our count agreed on 11 of 11

backtest The probabilities on settled rows are a walk-forward backtest: the model as of before each event, computed after Parrot went live; they were not published at the time.

Listed words: result, our count under the market rule, the count over every speaker, whether they agree, and the probability (a walk-forward backtest on settled rows)
WordResultOur countAll speakersAgreesProbabilityMarket
Digital Yes55✓83%transcripts from the transcript model–
Millennial Yes33✓91%transcripts from the transcript model–
NII / Net Interest Income Yes22✓85%transcripts from the transcript model–
Lounge Yes11✓74%transcripts from the transcript model–
Dunkin Yes11✓26%transcripts from the transcript model–
Currency No00✓72%transcripts from the transcript model–
Stablecoin No00✓58%transcripts from the transcript model–
Coinbase No00✓44%transcripts from the transcript model–
Regulation No00✓44%transcripts from the transcript model–
Spending Trend No00✓37%transcripts from the transcript model–
Blockchain No00✓16%transcripts from the transcript model–

Market prices are mid quotes from Kalshi and Polymarket, shown for context, may be delayed by several minutes and are not a signal. Quotes as of Oct 20, 2026 15:46 UTC.

Transcript

quotes of at most 25 words

Speaker-labelled transcript · Source and credits · Used to count words; quotes of at most 25 words.

Where the listed words were said

Stephen Squericompany“Digital” · prepared

…particularly the younger cohorts, love the benefits we've added in categories like digital entertainment, wellness delivery services, in addition to our travel offerings, which we…

Stephen Squericompany“Millennial” · prepared

…wider range of benefits and experiences that appeal broadly across generations, including Millennial and Gen Z consumers who are very comfortable paying for its exceptional…

Christophe Le Cailleccompany“NII / Net Interest Income” · prepared

…retention, and the full suite and cadence of product refreshes globally. Net interest income was up 12% again this quarter. We continue to grow balances…

Stephen Squericompany“Dunkin” · qa

…And, you know, we've talked about the success that we had with Dunkin and the engagement that our card base has, and that's worked out…

Agents: this page as TSV at /api/v1/appearances/american-express:2025-10-17:earnings_call · words: /api/v1/brief?appearance=american-express:2025-10-17:earnings_call · columnar JSON in #parrot-data · llms.txt · MCP