American Express Company (NYSE:AXP) Q4 2024 Earnings Conference Call January 24, 2025 8:30 AM ET
Company Participants
Kartik Ramachandran – Head of Investor Relations
Stephen Squeri – Chairman and Chief Executive Officer
Christophe Le Caillec – Chief Financial Officer
Conference Call Participants
Ryan Nash – Goldman Sachs
Sanjay Sakhrani – KBW
Erika Najarian – UBS
Mark DeVries – Deutsche Bank
Craig Maurer – FT Partners
Donald Fandetti – Wells Fargo
Richard Shane – JPMorgan
Jeffrey Adelson – Morgan Stanley
Cristopher Kennedy – William Blair
Moshe Orenbuch – TD Cowen
Brian Foran – Truist
Saul Martinez – HSBC
Terry Ma – Barclays
Mihir Bhatia – Bank of America
Operator
Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q4 2024 Earnings Call. At this time all participants are in a listen-only mode. Later we will conduct a question-and-answer session. [Operator Instructions] As a reminder, today’s call is being recorded.
I would now like to turn the conference over to our host, Head of Investor Relations, Mr. Kartik Ramachandran. Please go ahead.
Kartik Ramachandran
Thank you, Daryl, and thank you all for joining today’s call. As a reminder, before we begin, today’s discussion contains forward-looking statements about the company’s future business and financial performance. These are based on management’s current expectations and are subject to risks and uncertainties.
Factors that could cause actual results to differ materially from these statements are included in today’s presentation slides and in our reports on file with the SEC. The discussion today also contains non-GAAP financial measures. The comparable GAAP financial measures are included in this quarter’s earnings materials, as well as the earnings materials for the prior periods we discussed.
All of these are posted on our website at ir.americanexpress.com. We will begin today with Steve Squeri, Chairman and CEO, who will start with
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