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.
UpdatedMarkets
11 words · 5 settled yes · our count agreed on 11 of 11- Kalshi: company speakers + operator
Kalshi
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.
| Word | Result | Our count | All speakers | Agrees | Probability | Market |
|---|---|---|---|---|---|---|
| Digital | Yes | 5 | 5 | ✓ | 83%transcripts from the transcript model | – |
| Millennial | Yes | 3 | 3 | ✓ | 91%transcripts from the transcript model | – |
| NII / Net Interest Income | Yes | 2 | 2 | ✓ | 85%transcripts from the transcript model | – |
| Lounge | Yes | 1 | 1 | ✓ | 74%transcripts from the transcript model | – |
| Dunkin | Yes | 1 | 1 | ✓ | 26%transcripts from the transcript model | – |
| Currency | No | 0 | 0 | ✓ | 72%transcripts from the transcript model | – |
| Stablecoin | No | 0 | 0 | ✓ | 58%transcripts from the transcript model | – |
| Coinbase | No | 0 | 0 | ✓ | 44%transcripts from the transcript model | – |
| Regulation | No | 0 | 0 | ✓ | 44%transcripts from the transcript model | – |
| Spending Trend | No | 0 | 0 | ✓ | 37%transcripts from the transcript model | – |
| Blockchain | No | 0 | 0 | ✓ | 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 wordsSpeaker-labelled transcript · Source and credits · Used to count words; quotes of at most 25 words.
10 matches for “Expense”; 5 quoted, at least 25 words apart.
…strong returns for our shareholders, including higher revenue growth, excellent credit quality, expense leverage, and increased profit across our product portfolios. There's no better example…
…digital capabilities for consumers and businesses, including the upcoming integration of centers, expense management, solution for commercial customers, and will focus on continuing to grow…
…business delinquency rates still below 2019 levels. And we've driven leverage from expenses and provision even as we have invested in our premium value propositions,…
…15 points contributing to two times the number of acquisitions. Overall provision expense of $1.3 billion this quarter included a reserve build of $125 million,…
…on track for full-year revenue growth of 9 to 10%. Turning to expense performance, VCE was up 14% in the quarter with the VCE to…
Where the listed words were said
…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…
…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…
…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…
…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