American Express (AXP): FY26 Q3 earnings call, Oct 23, 2026
On its Oct 23, 2026 earnings call (FY26 Q3), American Express said 7 of the 14 words Kalshi listed; Parrot’s count agreed with all 14 settlements. Quotes below are at most 25 words each.
UpdatedMarkets
14 words · 7 settled yes · our count agreed on 14 of 14- Kalshi: company speakers + operator
Kalshi
| Word | Result | Our count | All speakers | Agrees | Probability | Market |
|---|---|---|---|---|---|---|
| Platinum 3+ times | Yes | 7 | 7 | ✓ | 87%transcripts from the transcript model | – |
| OpenAI / ChatGPT | Yes | 6 | 6 | ✓ | 52%n=1+tx from settlement history blended with transcripts | – |
| NII / Net Interest Income | Yes | 5 | 6 | ✓ | 92%n=4+tx from settlement history blended with transcripts | – |
| Amazon | Yes | 4 | 4 | ✓ | 50%n=1+tx from settlement history blended with transcripts | – |
| NFL | Yes | 2 | 3 | ✓ | 68%n=1+tx from settlement history blended with transcripts | – |
| Millennial | Yes | 1 | 1 | ✓ | 92%n=4+tx from settlement history blended with transcripts | – |
| Lounge | Yes | 1 | 1 | ✓ | 80%n=4+tx from settlement history blended with transcripts | – |
| Regulation / Regulatory | No | 0 | 0 | ✓ | 38%n=3+tx from settlement history blended with transcripts | – |
| Basel | No | 0 | 0 | ✓ | 19%n=1+tx from settlement history blended with transcripts | – |
| Currency | No | 0 | 0 | ✓ | 14%n=4+tx from settlement history blended with transcripts | – |
| Coinbase | No | 0 | 0 | ✓ | 12%n=4+tx from settlement history blended with transcripts | – |
| Spending Trend | No | 0 | 0 | ✓ | 12%n=4+tx from settlement history blended with transcripts | – |
| Stablecoin | No | 0 | 0 | ✓ | 12%n=4+tx from settlement history blended with transcripts | – |
| Blockchain | No | 0 | 0 | ✓ | 9%n=4+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 23, 2026 13:51 UTC.
Transcript
quotes of at most 25 wordsSpeaker-labelled transcript · Source and credits · Used to count words; quotes of at most 25 words.
7 matches for “Refresh”; 5 quoted, at least 25 words apart.
…growth rate in three years. One year after the U.S. Consumer Platinum refresh, spend retention remains at 99% for the portfolio. Turning to commercial, spend…
…by the very strong results we have seen on the U.S. Platinum refresh. Turning now to expenses. The VCE to revenue ratio was 44.3% this…
…growth to moderate significantly in Q4 as we fully lap the Platinum refresh, returning to growth rates more consistent with what we saw before the…
…this quarter is the quarter we are going to lap the Platinum refresh, which is the event that created this step-up in the VCE ratio.…
…moderate significantly and either to be more consistent with what we saw pre-refresh. We are not going to get into guidance for 2027 at this…
Where the listed words were said
…have levers within our model, and we have shown this with the Platinum card, where we can get to spend thresholds that require those benefits…
…Let me give you a few examples. We're deepening our partnership with OpenAI to continue bringing Amex card membership into ChatGPT. Earlier this year, we…
…this quarter is a good illustration of this dynamic. Balances grew 8%, NII grew at a faster rate at 10%, and write-off dollars only grew…
…year-over-year impact from the co-brand exits that I previously discussed, with the Amazon co-brand portfolio sale happening midway through the quarter. Sequentially, spend growth also…
…of value. I think with Bread Financial, the synergy there between our NFL deal and their NFL partnership, it just made all the sense in…
…a card acquisition perspective, which still continues to be strong, is predominantly millennials and Gen Z. As far as the competitive frame, look, the competitive…
…exclusive partnership with Airbnb, which follows the recent announcements of new and expanded Centurion Lounges and our next-generation Corporate Cashback Card and expense management program.
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