American Express (AXP): FY26 Q1 earnings call, Apr 23, 2026
On its Apr 23, 2026 earnings call (FY26 Q1), American Express said 4 of the 12 words Kalshi listed; Parrot’s count agreed with all 12 settlements. Quotes below are at most 25 words each, with timed clips.
UpdatedMarkets
12 words · 4 settled yes · our count agreed on 12 of 12- 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 | Clip | Market |
|---|---|---|---|---|---|---|---|
| Millennial | Yes | 12 | 12 | ✓ | 91%n=2+tx from settlement history blended with transcripts | Hear it 2:26, Millennial | – |
| NII / Net Interest Income | Yes | 7 | 7 | ✓ | 87%n=2+tx from settlement history blended with transcripts | Hear it 14:15, NII / Net Interest Income | – |
| Lounge | Yes | 1 | 1 | ✓ | 81%n=2+tx from settlement history blended with transcripts | Hear it 5:13, Lounge | – |
| Regulation / Regulatory | Yes | 1 | 1 | ✓ | 60%n=1+tx from settlement history blended with transcripts | Hear it 17:38, Regulation / Regulatory | – |
| Currency | No | 0 | 0 | ✓ | 47%n=2+tx from settlement history blended with transcripts | – | |
| Stablecoin | No | 0 | 0 | ✓ | 38%n=2+tx from settlement history blended with transcripts | – | |
| Dunkin | No | 0 | 0 | ✓ | 32%n=2+tx from settlement history blended with transcripts | – | |
| Coinbase | No | 0 | 0 | ✓ | 25%n=2+tx from settlement history blended with transcripts | – | |
| Spending Trend | No | 0 | 0 | ✓ | 22%n=2+tx from settlement history blended with transcripts | – | |
| Rate Cap / 10% Cap | No | 0 | 0 | ✓ | 11%n=1+tx from settlement history blended with transcripts | – | |
| Trump | No | 0 | 0 | ✓ | 11%n=1+tx from settlement history blended with transcripts | – | |
| Blockchain | No | 0 | 0 | ✓ | 10%n=2+tx from settlement history blended with transcripts | – |
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.
13 matches for “Expense”; 5 quoted, at least 25 words apart.
…enhanced products, benefits and capabilities including a corporate cash back card and expense management software, making this the most significant 1-year commercial product expansion in…
…with our expectations for generally stable credit metrics throughout 2026. Overall provision expense of $1.3 billion included a reserve release of $24 million. The reserve…
…to continue to outpace growth in balances for the year. Turning to expenses. The VC to revenue ratio was 44.7% this quarter, in line with…
…increase our marketing investments to support long-term growth. We now expect marketing expenses to grow in the mid-single digits for the full year. Moving on…
…the P&L, there were also a few unexpected items either on operating expenses. I'll mention 2 that went in our favor. One is a core…
Where the listed words were said
…while maintaining high retention rates after the fee increase went into effect. Millennial and Gen Z spending growth continues to be robust and globally over…
…up 11%. We saw momentum across revenue lines with net card fees, NII and service fees and other revenue, all growing at double-digit rates again…
…Amex's membership with recent openings and plans for new or expanded airport lounges in Las Vegas, Boston, Charlotte, Dallas Fort Worth and New Delhi. And…
…modestly positive. As we evaluate the proposal in the CapEx or other regulatory considerations, we are encouraged by the first discussion of modernizing the tailoring…
Agents: this page as TSV at /api/v1/appearances/american-express:2026-04-23:earnings_call · words: /api/v1/brief?appearance=american-express:2026-04-23:earnings_call · columnar JSON in #parrot-data · llms.txt · MCP